You may not own the building - But you own what's on the inside. No matter where you're currently renting it's important to have the coverage that protect you. Renting a home in Dallas (or Texas) can be risky, especially if you live in a multi family home such as an apartment. You may be cautious in your home but you have no control what other families do. The homeowners or building owners carry insurance however they don't cover your personal belongings.
Renters insurance covers your clothes, electronics, furniture, appliances (that you bring with you), and any other personal belongings if they're stolen or damaged.
Renters insurance is less expensive than you might think! Depending on the limits you're seeking, it may cost less than one meal out to eat!
Personal property covers your belongings if they're damaged or stolen. Your items can include furniture, clothes, electronics, etc. Plus, your belongings are covered even if they're not in your home (your car, storage unit, etc.)
If your place is damaged and you can't stay there, loss of use coverage pays for hotel/rent and food expenses above what you'd usually pay.
If someone sues you or a family member you live with (for damage to their property or their injuries), personal liability covers you.
Medical payments coverage pays for medical bills if someone else is hurt at your place.