Get Renters Insurance in Place Before You Move In
Whether you’re signing a new lease, renewing your current policy, or moving into your first apartment, Luke can help you get affordable renters insurance that protects your belongings and meets your lease requirements.
Let’s Get Started
Tell me a little about yourself, and I’ll start reviewing your renters insurance options.
“He helped me find a reasonable, actually amazing price for full coverage auto insurance with roadside and renters all included. He was so patient with me as this was my first time.”
Kailey C. · Midland, TX · Google Review
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What Renters Insurance Actually Covers
A standard renters policy is built from four core pieces of coverage. Here is what each one actually does.
Personal Property
Covers your belongings, furniture, electronics, clothing, and more, against events like fire, theft, and certain water damage, wherever they are, not just inside your apartment.
Liability Protection
If someone is injured in your apartment, or you accidentally damage someone else’s property, liability coverage can protect your savings and future income.
Loss of Use
If a covered event makes your apartment temporarily unlivable, this can help pay for a hotel, temporary housing, and related extra costs while repairs happen.
Medical Payments to Others
Covers minor medical expenses if a guest is injured at your place, regardless of fault, without needing to file a liability claim for smaller incidents.
Why Renters Insurance Matters
Most renters assume they are covered by someone else’s policy. Here is what is actually true.
Why Work With Luke
We are not a lead-selling website, and we are not a call center. Here is what that means for you.
You work with a local Texas advisor
Not a remote call center, not an offshore team. Someone based in North Texas who understands what leasing offices actually require.
We move at your pace, including move-in day
If you have a lease deadline, tell us and we will work to it. If you are just comparing options, there is no pressure to decide today.
Coverage explained in plain language
No jargon, no assumptions about what you already know. We explain what each coverage does before you decide what fits.
Independent means more options
As an independent agency, we work with multiple carriers rather than being tied to one company’s products, which gives you a broader view of what is available.
You can reach us the way you prefer
Form, phone call, text message, or email. We adapt to how you communicate, not the other way around.
Luke Faulkner
Licensed Texas Insurance Agent · Gilded Oak Insurance · TX License #1853547
I started Gilded Oak because I wanted to offer the kind of insurance guidance I would want for my own family: clear, practical, and free of the pressure that comes with call centers. Renters insurance is one of the simplest policies out there, but I still walk every client through exactly what it covers, so you know what you are getting, not just what it costs. I am based in North Texas and focused on helping Texas renters get coverage in place quickly and confidently.
Three Simple Steps
Getting covered is straightforward. Here is what to expect.
Share your situation
Fill out the short form, call, or send a text. Let us know your move-in date or lease timeline, and whether you need proof of coverage for a leasing office.
Luke reviews your coverage options
We look at what your lease requires, explain personal property, liability, and loss-of-use coverage, and pull options from relevant carriers.
You decide what makes sense
We walk you through the options and answer your questions. If you are working against a move-in date, we will move at that pace. Otherwise, there is no pressure and no deadline.
Frequently Asked Questions
Many Texas leasing offices and property managers require proof of renters insurance before you can move in. Requirements vary by property, so it’s worth checking your lease, but a standard renters policy typically satisfies this requirement.
Let us know your move-in date when you submit your request, and we will work to that timeline. Renters policies are typically one of the faster policies to get in place.
Generally, no. A renters policy typically covers the policyholder and immediate family living in the unit. Roommates who aren’t related to you usually need their own separate policy, which is worth confirming when you get your quote.
A standard policy covers your personal property, personal liability, loss of use if your apartment becomes temporarily unlivable, and medical payments to others. See the Coverage Overview section above for more detail on each.
Renters insurance is one of the more affordable policies available, and cost depends on your coverage limits, deductible, and location. We can give you a clear, specific number once we understand your situation.
Yes, and it often produces meaningful savings on both policies. Just let us know when you submit your request and we can include that in your quote.
No. Gilded Oak Insurance serves renters across the state of Texas. While we are based in North Texas and have strong familiarity with the DFW market, we work with Texas renters wherever they are located.
No. Requesting a renters insurance quote does not affect your credit score. When carriers review credit as part of pricing, it is a soft inquiry, not a hard pull, and it does not appear on your credit report.
Explore More Coverage Resources
Looking for more information before requesting a quote? These resources can help you better understand your coverage options.
Gilded Oak Resources
Need Help Finding the Right Coverage?
Whether you’re reviewing an existing policy or comparing new options, we’re happy to help you understand your choices and find coverage that fits your situation.