Renters Insurance in Dallas, TX

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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…

Renters insurance in Dallas, Texas

It's very important to maintain renters insurance if you're renting a house or an apartment. Renters insurance covers your rental unit — and the personal property within it — against a number of perils, including wind, theft, fire, or vandalism. Given the likelihood of one of these incidents, the affordability of a renters policy, and the potentially high cost of replacing your belongings, a renters insurance policy is a solid investment.

Renters insurance rates are dictated by a variety of factors, including the age of your dwelling, the materials of which it’s made, your apartment’s geographic location, and the pricing strategies of your renters insurance company. In areas prone to hail, fire, lightning, or damaging wind, renters insurance could be more expensive to account for the extra risk.

The average yearly cost of renters insurance in Dallas is $251.

Finding reliable renters insurance in Dallas begins with shopping around and comparing policies. Consult our analysis of Dallas renters insurance premiums to commence your purchase process with as much background info as possible. Remember: renters insurance costs may vary based on your coverage limits and other factors.

Jump to:

  1. Rates by company
  2. Rates by coverage level
  3. Bundling discounts

Popular renters insurance companies in Dallas

Insurance premiums in Dallas vary based on the insurance company you choose. For instance, USAA offers the most affordable renters insurance in Dallas, at just $137 per year. That's less expensive than the city's average cost of $251, providing a $114 discount on the city's normal rates.

Begin your search for a renters insurance policy by exploring the cheapest insurers in Dallas.

CompanyAverage Annual Rate in Dallas
Texas Farmers$233

Dallas renters insurance pricing by coverage tier

The cost of your renters insurance depends on the amount of coverage you opt to carry. The most common levels of renters insurance coverage are $25,000 and $50,000 property coverage. In Dallas, the annual cost difference between these tiers is about $127. If you can afford to insure your personal property at this additional expense, it's worth considering.

Coverage LevelAverage Annual Rate in Dallas
$25K Property$187
$50K Property$315

Tip: bundle your auto and renters insurance policies in Dallas

If you’re seeking ways to save on your insurance expenditures, consider carrying your renters and auto policies with the same insurance company. Bundling renters and car insurance in Dallas can save you a substantial sum each month on your auto insurance bill. In fact, bundling renters and auto insurance leads to average savings of 3.9% on car insurance rates. The car insurer with the cheapest bundled rate is State Farm, followed by USAA and Progressive.

Annual Bundle SavingsBundle Savings %

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