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Ross Martin

Insurance Writer

  • 4+ years in the Insurance Industry

Ross joined The Zebra as a writer and researcher in 2019. He specializes in writing insurance content to help shoppers make informed decisions.

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Kristine Lee

Insurance Analyst

  • Licensed Insurance Agent — Property and Casualty
  • 4+ years of Experience in the Insurance Industry

Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer. Before joining The Zebra, she was a…

How to get affordable renters insurance in Texas

Renters insurance is an important form of insurance. It keeps your belongings safe in the event your rental property suffers damage from a common incident. A renters policy protects belongings in the event of fire, smoke damage, wind, theft or vandalism and a collection of other calamities.

Unlike auto insurance, renters policies aren’t priced specifically by state. Still, there are surprisingly large variations in the price of renters insurance by state. Renters insurance rates in US states differ depending on the number and cost renters claims filed in that particular state, and depend on the price of the belongings you're insuring.

Getting a renters policy in Texas is more expensive than the national average. The average annual cost of renters insurance in Texas is $253, $68 more expensive than the national average.

The best way to find a cheap renters insurance policy in Texas is to compare rates from as many insurance companies as possible. Find out typical renters insurance rates in Texas via the below data. Remember: your rates may differ, depending on your coverage limits and the valuation of your belongings.

Jump to:
  1. Rates by company
  2. Rates by city
  3. Rates by coverage level
  4. Bundling discounts
  5. Frequently asked questions


Renters insurance prices in Texas by company

Renters insurance prices in Texas can vary depending on the insurer you choose. Safeco offers the best deal on renters insurance in Texas, at just $188 annually. This compares favorably to the state mean rate of $253, offering a 26% price break on average policy costs statewide.

Begin your search for a renters policy by reviewing the best Texas insurance companies, listed below.


Company Average Annual Rate in Texas
Safeco $188
Amica $200
United $225
State Farm $249
ASI Lloyds $271


Texas renters insurance costs by city

Renters insurance rates in Texas differ by city. Policy pricing depends on local variables such as the number of claims filed in the immediate area, lending your ZIP code plenty of weight in deciding how much you pay.

The cheapest renters insurance rates in Texas are in McKinney. A typical renters insurance term in McKinney costs just $212 per year — $40 less than the state average. Reference the below table to see the cheapest cities in Texas for renters insurance.


City Average Yearly Renters Insurance Rate
McKinney $212
Plano $220
Waco $221
Amarillo $222
Killeen $226


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


Renters insurance in TX by coverage tier

The cost of your renters insurance depends on the amount of coverage you carry. Common renters insurance coverage tiers are $25,000 and $50,000 property coverage. In Texas, the annual cost differential between these levels is about $128. If you can afford to insure your personal property at this additional expense, it's an option worth considering.

Coverage Level Average Annual Renters Insurance Rate in Texas
$25K Property $189
$50K Property $317


Tip: bundle auto and renters insurance in Texas

To trim a few dollars from your insurance costs, consider holding your renters and auto policies with the same insurance company. Bundling renters and auto insurance in Texas can lead to substantial savings on car insurance. Purchasing bundled policies in Texas results in a yearly discount of $68.


Avg. Annual Rate (No Bundle) Avg. Annual Rate (w/ Bundle) Annual Savings ($) Annual Savings (%)
$1,827 $1,759 $68 4%


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 Texas renters insurance cover?

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 unihabitable.

Need a Renters Insurance Quote?

About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
  • The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.