Cheapest & Best Renters Insurance In Houston 2025
American Family offers the most affordable renters insurance in Houston, with costs averaging about $14 a month. That said, I think Lemonade provides the best range of coverage options.
We’ve saved shoppers an average of $200 per year on their renters insurance.
If you’re looking for budget-friendly renters insurance in Houston, American Family offers the lowest rates, averaging around $14 per month. Meanwhile, if you prefer a provider with strong online services and a user-friendly app, Lemonade is a great choice at approximately $21 per month.
Living in Houston comes with risks, as the city sees over 105,000 property crimes annually, impacting about 45 out of every 1,000 residents. Renters insurance is a smart investment to protect your belongings and prevent unexpected financial setbacks.
Cheapest Renters Insurance Companies In Houston
If you’re looking for the cheapest renters insurance in Houston, American Family offers the most affordable rates at an average of $14 per month. The table below highlights the five most budget-friendly providers, making it easier for you to compare your options.
| Company | Average Monthly Cost |
| Lemonade | $21 |
| American Family | $14 |
| State Farm | $22 |
| Allstate | $16 |
| Progressive | $20 |
Best Renters Insurance Companies In Houston
Although American Family is a solid choice, the lowest price doesn’t always guarantee the best option. In my opinion, Lemonade stands out as the top renters insurance provider in Houston. Along with offering competitive rates and flexible policies, Lemonade excels in providing an excellent online experience and top-notch app support, making it super convenient to buy and manage your coverage.
| Company | Average Monthly Cost |
| Nationwide | $26 |
| Progressive | $20 |
| Texas Farm Bureau | $30 |
| Lemonade | $21 |
| State Farm | $22 |
Average Cost Of Renters Insurance In Houston
In Houston, renters insurance usually costs about $25 per month or $300 per year. However, your actual rate may vary based on factors like coverage limits, location, deductible, and the insurer’s pricing structure. The table below provides a comparison of average costs from five top providers in Houston.
| Company | Average Monthly Cost |
| State Farm | $25 |
| Progressive | $22 |
| Texas Farm Bureau | $30 |
| Lemonade | $22 |
| Nationwide | $27 |
Average Cost Of Renters Insurance In Houston By Deductible
A deductible is an amount you’re responsible for paying out of pocket before your renters insurance covers the rest of a claim. Choosing a higher deductible can reduce your monthly premium, while a lower deductible typically results in higher monthly costs. The table below shows average renters insurance prices in Houston based on different deductible amounts.
| Deductible Amount | Average Monthly Cost |
| $250 | $20 |
| $500 | $17 |
| $1,000 | $16 |
| $1,500 | $15 |
| $2,000 | $13 |
Factors That Impact Renters Insurance Costs in Houston
Several factors affect the cost of renters insurance in Houston, and one major factor is location. Living in areas with high crime rates or frequent natural disasters—such as hurricanes and windstorms—can lead to higher premiums. Since Houston is prone to these risks, insurance rates may be steeper than in other cities.
Your deductible choice also impacts your premium. Opting for a lower deductible means higher monthly costs, while a higher deductible can lower your premium since you’re agreeing to pay more upfront in a claim.
Credit scores play a role as well. Many insurers consider your credit history when determining rates, and a lower score can result in higher premiums.
The amount of coverage you select affects your costs, too. Policies with higher limits for personal property and liability coverage tend to be more expensive. Adding optional coverages—such as identity theft protection or replacement cost coverage—can further increase your premium.
Your claims history matters as well. If you’ve filed multiple claims in the past, insurers may see you as a higher risk, leading to increased rates.
Lastly, safety features in your home—such as burglar alarms, smoke detectors, and sprinkler systems—can help lower your premium by reducing potential risks.
Not all renters insurance policies are the same — some exclude water damage, others limit theft coverage. With PolicyOwl, you can upload your current policy and instantly see if your coverage matches your needs.
Common Causes of Loss in Texas
In Texas, renters insurance claims are often triggered by events like hurricanes, theft, water damage, and fire.
Hurricanes and Windstorms
Texas frequently experiences hurricanes and strong winds, which can cause broken windows, roof damage, and even flooding.
Water Damage
Burst pipes, plumbing issues, and leaking roofs are common sources of water damage. While renters insurance covers internal water damage, it does not protect against flooding, which requires a separate policy.
Theft
With more than 560,000 property-related crimes reported each year in Texas, renters insurance is essential. It can help replace stolen belongings and may also offer liability coverage if someone gets injured during a break-in.
Fire
Fires, especially in multi-unit buildings, can spread quickly, damaging personal property and the structure. Renters insurance can help cover the cost of replacing or repairing affected belongings.
Other Causes of Loss
Standard renters insurance also covers incidents like vandalism, accidental damage, and certain natural disasters, offering additional protection for tenants.
Our Methodology
To evaluate renters insurance providers, we considered several important factors, including pricing, coverage options, customer service, and claims processing. We gathered quotes from multiple insurers in Houston, focusing on standard policies that provide $20,000 in personal property coverage and $100,000 in liability protection.
Our assessment also examined deductible choices, additional coverage options such as flood or earthquake insurance, and discounts for bundling renters insurance with auto or other policies. To ensure credibility, we reviewed customer satisfaction ratings from trusted sources like J.D. Power and Consumer Reports, highlighting insurers known for excellent service and efficient claims handling.
Additionally, we factored in Texas-specific risks, including theft and water damage, which can significantly impact renters insurance needs. By analyzing these elements, we created a balanced and objective guide to help renters find the best insurance options in Houston.
Quotes Analyzed
Brands Reviewed
Research Hours
Years Of Experience
About Bob Phillips
