Texas Renters Insurance

Shopping for renters insurance doesn’t need to be confusing. Compare rates from Texas by city and carrier below.

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Get cheap renters insurance in Texas


Renters insurance is an affordable way to keep your belongings safe in the event your apartment suffers major damage. A renters policy covers personal items from fire or smoke damage, a wind storm, theft, vandalism, and an array of other situations.

Unlike car insurance, renters policies aren’t priced specifically by state. That said, there are relatively large differences in insurance pricing by state. Renters insurance prices by state may vary based on the number and value of renters insurance claims filed across the state, and depend on the value of the belongings covered by the policy.

Renters insurance in Texas is pricier than the nationwide average. The average annual cost of renters insurance in Texas is $253, $68 more expensive than the average across America.

The easiest way to find affordable renters insurance in Texas is to view prices from as many companies as possible. Learn more about renters insurance rates in Texas by reviewing the below data. Remember: your rates may differ, depending on your coverage limits and the valuation of your belongings.


Renters insurance in Texas:
  1. By company
  2. Rates by city
  3. Bundling discounts
  4. Frequently asked questions


Renters insurance rates in Texas by insurance company

Rates for renters insurance in Texas will vary depending on the insurance company you choose. Safeco offers the most affordable renters insurance in Texas, at just $188 per year. This is less than the state average cost of $253, providing a 26% discount on average statewide renters insurance costs.

Begin the hunt for affordable coverage by viewing average rates from top Texas renters insurance carriers, listed below.


InsurerAverage Yearly Rate in Texas
State Farm$249.47
ASI Lloyds$270.89


Texas renters insurance by city

Not all Texas cities have equal renters insurance rates. Policy pricing depends on locally specific variables such as the number of claims filed nearby, giving your ZIP code weight in deciding how much you pay.

The best renters insurance rates in Texas are available in McKinney. A typical renters insurance term in McKinney costs just $212 every 12 months — $40 less than the statewide average. The below table shows the best places to live in Texas if you’re looking for cheap renters insurance.


CityAverage Annual Renters Insurance Rate


Texas insurance bundling discounts: renters + auto

If you’re seeking ways to save on your insurance expenditures, consider purchasing your renters and car insurance policies from the same company. Bundling auto and renters insurance in Texas can lead to substantial savings on auto insurance. In fact, bundling policies in Texas leads to a yearly savings of $68.


Avg. 12-Month Auto Insurance Rate (No Bundle)Avg. 12-Month Auto Insurance Rate (Bundle)Annual Bundle SavingsBundle Savings %


Searching for info on renters insurance for a particular city? Take a look at our list of the biggest cities in Texas.


Texas renters insurance FAQs

Is renters insurance required in Texas?

Renters insurance is not mandatory in the state of Texas, but your landlord may require that you carry it as a part of your rental agreement.

What does renters insurance cover in Texas?

In Texas, renters insurance will replace personal belongings should they be destroyed, lost, or stolen. Most policies will also provide liability coverage, medical payments to others, and will cover temporary housing costs should your home be uninhabitable.

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