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I have known David Espinosa for three years. I have worked with David on a business as well as personal nature as far as insurance needs. I sold new home construction for Plantation Homes and handled the area of Brushy Creek in Round Rock. David called on me and discussed his ability to service my customers with homeowners insurance. I recommended David to my clients and without question; they were all satisfied with the service and product. I then decided to give David a shot at my personal home, cars, and rental for my daughter at TAM. I have been very satisfied with the level of service and I also have been very pleased with the cost savings in comparison to my last carrier, State Farm. I would recommend David Espinosa to anyone looking for good service and good product.

David B

Renters Insurance in Austin TX, Round Rock TX & Surrounding Areas

Belongings Hold Memories. Make Sure They’re Safe.

If you rent an apartment, house, condo, or even a dorm room, you may not think you need insurance. But in the event that fire, theft, or vandalism damages your property, it’s unlikely that your landlord will pay to replace your belongings.

At Espinosa Insurance Services, we know that you’ve most likely invested a lot of time and money in your personal property, and it’s up to you to take care of it. Having a Renters Insurance, or Tenants Insurance, policy can pay for the cost of replacing your belongings if they are damaged due to a covered accident, or if they’re stolen.

Depending on your policy, your insurance will pay to replace items using one of two methods: Actual Cash Value (ACV) or Replacement Cost. With ACV coverage, your belongings are insured only for the amount in which they are currently worth, while Replacement Cost will pay for the expense of replacing the items with brand new ones.

Additional Insurance Options

Also included in your Renters Insurance is Liability Coverage to safeguard yourself from injury claims that occur in your home. If someone gets hurt on your property, your insurance can pay the related medical payments and expenses, and provide for the cost of legal support if you are sued.

In the event that a fire or other damage makes your residence uninhabitable and places you in a “loss of use” situation, your Renters Insurance may temporarily reimburse you for the cost of another residence in which to live.

Representatives from Espinosa Insurance Services are committed to working with you to design a policy that ensures you get the options you want at a price you can afford.