Best & Cheapest Renters Insurance In Texas For 2025

Over 4 million people in Texas are renters. For those renters, the average cost of renters insurance in Texas is approximately $264 per year or about $22 per month.

These costs, though an affordable way to protect your personal belongings are around 17% higher than the national average. These higher-than-average rates are caused by increasing occurrences of risks of inclement weather; Texas has the highest number of billion-dollar weather disaster events, including winter weather storms, tornadoes, floods, and droughts.

Having had over 15 years of experience as a licensed property and casualty agent, I’ve helped many clients find the right renters insurance to suit their needs and budget. This deep industry knowledge allows me to provide insights that save you time and money while making sure you have the right coverage.

Cheapest Renters Insurance Companies In Texas

Progressive and USAA are the cheapest renters insurance companies in Texas. Progressive costs an average of $14 per month, while USAA costs around $15.

Best Renters Insurance Companies In Texas 2025

State Farm is the best renters insurance company in Texas, with average monthly premiums of $21.

Use the table below to view the best renters insurance companies in Texas, and their average rates.

How Much Is Renters Insurance In Texas?

The average cost of renters insurance in Texas is typically around $22 per month, or about $264 annually. However, the exact cost can vary significantly depending on several factors. These include the location of the rental property, the value of your personal belongings, the coverage limits, and any additional coverage options you may choose.

Average Texas Renters Insurance Costs – By City

Where you live in Texas can have a significant impact on the cost of renters insurance.

Here’s a table showing the average cost of renters insurance in 10 major cities in Texas:

What Factors Affect The Price Of Renters Insurance In Texas?

Several factors influence the cost of renters insurance in Texas. Understanding these can help you manage your premium:

• Location: Areas near water or in Texas’ “Tornado Alley” often have higher premiums.
• Value of Personal Belongings: The more valuable your possessions, the higher your coverage limits and premiums.
• Deductible: A higher deductible can lower your monthly premium but increase out-of-pocket costs.
• Claim History: A history of claims may increase your rates.
• Rental Property Type: Apartments may cost less to insure than houses.
• Safety Features: Smoke detectors, security systems, and deadbolts may lower premiums.

Is Renters Insurance Required In Texas?

In Texas, renters insurance is not legally required by the state, however, the Texas Department of Insurance makes it clear that some landlords might require it in the renters policy, and any policy for the property itself (owned by the landlord) won’t cover your personal belongings.

So, while not required by law, it helps safeguard personal property, which may be costly to replace out-of-pocket. Furthermore, renters insurance may provide coverage for temporary living expenses if the rental unit becomes uninhabitable due to a covered event.

While not mandatory, renters insurance can provide peace of mind and financial protection. It’s important to review the lease agreement and check with the landlord to see if it’s a requirement, as failure to comply could result in penalties or lease termination.

Common Renters Insurance Discounts In Texas

Renters insurance providers in Texas offer various discounts that can reduce your premiums:

• Bundling Policies: Combining auto and renters insurance with the same company can lead to savings.
• Security Features: Installing security systems or smoke alarms can result in discounts.
• Claim-Free Discounts: If you haven’t filed claims in several years, you may qualify for lower rates.
• Property Age: Newer, well-maintained homes may qualify for discounts.
• Loyalty Discounts: Long-term customers may receive reduced rates over time.

Common Renters Insurance Claims In Texas

The most common renters insurance claims in Texas include damage from natural disasters, such as windstorms, tornadoes, and hurricanes throughout the south of Texas along the Gulf Coast, as well as areas like Dallas-Fort Worth and Houston.

Other claims include incidents like theft and vandalism. Theft claims are frequent in urban areas or neighborhoods with higher crime rates including Houston, Dallas, and San Antonio, where personal belongings may be at risk.

Water damage, often caused by burst pipes or appliance malfunctions, is also a common claim. Fire and smoke damage, as well as vandalism, are other typical claims that renters in Texas may experience.

Does Renters Insurance In Texas Cover Hurricanes?

Aside from Florida, Texas has the second biggest impact from hurricanes across the United States.

Renters insurance in Texas typically does cover damage from hurricanes including damage caused by hail, wind, fire, or lightning. However, it won’t extend to damage caused by floods. To protect against hurricane-related flood damage, renters can add flood insurance.

Texas residents who live in areas that are at high risk for hurricanes can purchase additional windstorm and hail insurance through the Texas Windstorm Insurance Association, which gives coverage that is not generally available through standard renters insurance policies.

This additional coverage can help with repairs to personal property and provide protection in case of significant damage due to the storm, offering peace of mind during hurricane season.

Does Renters Insurance In Texas Cover Fire?

Yes, renters insurance in Texas covers fire damage to personal property and the rental unit itself. If a fire destroys belongings or causes damage to the apartment or house you’re renting, your renters insurance policy will typically cover the cost of repairs or replacement. The Texas Department of Insurance states that renters insurance includes damage from smoke, heat, and soot.

There may be limits though, for intentionally set fires or fires caused by negligence.

Renters insurance also provides liability coverage if the fire spreads and causes damage to neighboring units. It’s important to keep an updated inventory of belongings to ensure adequate coverage.

Does Renters Insurance In Texas Cover Tornadoes?

Texas experienced 152 tornadoes in 2024, with numbers increasing annually.

As a renter, your policies should cover tornado damage, as tornadoes are typically considered wind-related incidents, and most renters insurance policies include coverage for damage caused by windstorms.

If a tornado damages personal property or the rental unit itself, renters insurance will typically cover repair or replacement costs.

However, it’s important to review your policy to ensure that the specific coverage for wind and tornado damage is included. Additional coverage may be needed for high-value items, depending on the policy.

Does Renters Insurance In Texas Cover Flooding?

Renters insurance in Texas does not cover flooding caused by heavy rains, storm surges, or rising water.

The Texas Department of Insurance encourages all renters to visit the National Flood Insurance Program for information about flood coverage or to consider private insurers.

Separate flood insurance will cover damage to personal property and the structure of the rental unit caused by rising water, ensuring comprehensive coverage in flood-prone areas.

Does Renters Insurance In Texas Cover Wind Damage?

Yes, renters insurance in Texas generally covers wind damage caused by events such as windstorms, tornadoes, and hail. Wind-related damage to personal belongings, such as furniture, electronics, and clothing, is usually covered under a standard renters policy.

However, damage caused by hurricanes may require additional windstorm coverage or a rider, as hurricanes are considered a separate risk. It’s important to review your policy to confirm that wind damage is included and to consider additional coverage if necessary for extreme weather events.

What Does Renters Insurance Cover In Texas?

Renters insurance provides essential protection for your belongings and liability, offering financial security in the event of unexpected incidents. Understanding what is covered under a renters insurance policy helps you make informed decisions about your coverage needs. Below, we break down the key components of renters insurance coverage.

Personal Property Coverage

Renters insurance typically covers personal belongings, such as furniture, clothing, electronics, and appliances, in the event of theft, fire, vandalism, or other covered disasters. It helps you replace or repair your possessions up to the policy’s coverage limit.

Liability Coverage

Liability protection is an essential part of renters insurance. It covers legal expenses and medical costs if someone is injured while on your property. For example, if a guest slips and falls in your home, liability coverage can help pay for their medical bills and any legal fees if you are sued.

Additional Living Expenses

If your rental becomes uninhabitable due to a covered incident, such as a fire or storm, renters insurance can cover additional living expenses. This includes the cost of temporary housing, meals, and other expenses while your home is being repaired or replaced.

Medical Payments To Others

This coverage provides small, no-fault medical payments if someone is injured on your property, regardless of who is at fault. It helps cover minor medical expenses without the need for a lawsuit or liability claim.

Loss Of Use Coverage

If you cannot use your rental due to a covered event, loss of use coverage can help with extra costs such as hotel stays and transportation.

Flood, Windstorm, and Hurricane Coverage

If you live in a high-risk area around the coast you can invest in separate flood insurance, as most renters policies won’t cover flood damage. You can also invest in separate windstorm and hurricane coverage in areas at high risk.

Find Renters Insurance In Other U.S. States