What types of business insurance does Wirehaired Trust offer in Texas?

Wirehaired Trust offers general liability, workers compensation, commercial auto, commercial property, cyber liability, umbrella coverage, and specialized industry programs for construction, roofing, restaurants, bars, nightclubs, multifamily investors, self-storage, car washes, and short-term rental portfolios across Texas.

Does Wirehaired Trust offer personal insurance in Florida?

Yes. Wirehaired Trust offers homeowners insurance, personal auto liability, flood insurance, renters insurance, personal umbrella. We specialize in Florida's challenging coastal insurance market.

Is workers compensation required in Texas?

Texas is the only state where workers compensation is not legally mandated statewide. However, it is almost always required by commercial contracts, general contractors, and government agencies. Non-subscribing Texas employers face unlimited personal injury liability from employees.

Personal Lines · Calculator, Comparison & Guide

Renters Insurance: Calculator, Comparison Table & Guide

Contents, liability, and loss of use. Cheaper than most people expect.

1. Calculator
2. Comparison
3. Guide
FAQ

Prong 1 · Interactive Calculator

Renters Coverage Estimator

Contents, liability, and loss of use. Cheaper than most people expect.

Contents value ($)

Liability limit

Location

Replacement cost on contents?

Dog?

Jewelry / electronics above $2,500 per item?

Results
Line	Estimate
Contents premium	—
RCV factor	—
Estimated annual premium	—
Per month	—

Illustrative math only. Rate ranges are planning bands, not quotes. Your policy wording, carrier appetite, loss history, and state decide the real number. This tool stores nothing and sends nothing.

Get the real number — Start Smart Intake

Prong 2 · Comparison Table

Renters Options

Landlord's program vs. standard HO-4 vs. enhanced.

Criterion	Landlord-Required Liability Only	Standard HO-4	HO-4 w/ RCV + Endorsements
Contents	Excluded	ACV or RCV	RCV
Liability	$100K	$100K–$300K	$300K–$500K
Loss of use	Excluded	Included	Included
Water backup	Excluded	Optional	Included
Scheduled jewelry	Excluded	Optional	Included
Identity theft	Excluded	Optional	Included
Cost	$8–$15/mo	$12–$25/mo	$20–$40/mo
Best fit	Meets lease only	Most renters	Valuables, roommates, pets

Included: covered in base form
Excluded: not available
Optional: available by endorsement
Limited: sublimited or conditional

Prong 3 · Deep-Dive Guide

Renters Insurance: What $15 a Month Actually Buys

The landlord's policy covers the building. Everything you own, and everything you might owe, is on you.

Three coverages

Contents (your stuff), liability (what you owe others), and loss of use (hotel when the apartment is uninhabitable).

Contents: inventory with photos; choose RCV
Liability: $300K, or $500K if you have a dog or entertain
Loss of use: often 20%–30% of contents limit

Sublimits and schedules

Jewelry, electronics, bikes, and cash are capped.

Schedule an engagement ring or high-end laptop
Bicycles: often $1,000 unless scheduled
Business property: $2,500 — freelancers need more

Roommates and dogs

Roommates are not covered unless named. Dogs are covered unless a restricted breed.

Frequently Asked Questions

Does my landlord's insurance cover my stuff?

No. Only the building and the landlord's liability.

Is flood included?

No. NFIP contents-only policies are available and cheap for ground-floor units.

Do I need it if I don't own much?

Liability is the reason. A kitchen fire that damages three units is your problem without it.

Related: renters insurance Houston · HO-4 · apartment renters insurance

Turn the estimate into a quote

The Smart Intake takes about two minutes. A licensed advisor reviews your renters exposure against 30+ Texas and Florida markets. Nothing from the calculator above is stored or sent.

Start Smart Intake

Or call (281) 671-0069

All numeric rates are 2026 Texas/Florida planning bands compiled by the agency for illustration; they are not filed rates and must be reviewed by a licensed agent before publication. Coverage descriptions are summaries only and are subject to the terms, conditions, and exclusions of the actual policy. Submitting a request does not bind coverage.