Renters Insurance in El Paso, TX

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Renata Balasco

Senior Content Strategist

  • Licensed Insurance Agent — Property and Casualty

Renata joined The Zebra in 2020 as a Customer Experience Agent. Since 2021, she has worked as licensed insurance professional and content strategist.…

Renters insurance in El Paso, Texas

Renters insurance is important for those renting an apartment or house. It covers your rental unit — and the personal property within it — against a variety of harms, such as fire, theft, vandalism, and wind damage. Given the reasonable likelihood of a damaging incident, the affordable price of renters insurance, and the potentially high cost of replacing your belongings, a renters insurance policy is a solid investment.

How much your renters insurance policy costs will come down to a number 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 policies may be more expensive to account for the extra risk.

The average annual cost of renters insurance in El Paso is $240.

Finding cheap renters insurance in El Paso starts with comparing policies. Consult our analysis of El Paso, Texas renters insurance rates to ensure you're informed and aware heading into the insurance purchasing process. Remember: your 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 El Paso

Renters insurance rates in El Paso depend on the insurance company you choose. For instance, USAA offers the cheapest renters insurance in El Paso, at just $154 per year. This compares favorably to the city's average cost of $240, providing an $86 discount.

Start your search for a renters insurance policy by reviewing the cheapest companies in El Paso.

CompanyAverage Annual Rate in El Paso
State Farm$175

El Paso renters insurance pricing by coverage tier

The cost of your renters insurance policy will be influenced by the amount of coverage you opt to carry. Two of the most common levels of renters insurance coverage are $25,000 and $50,000 property coverage. In El Paso, the annual cost differential between these options is approximately $122. If you can afford the up-front expense, purchasing more coverage might not be a bad idea.

Coverage LevelAverage Annual Rate in El Paso
$25K Property$180
$50K Property$301

Tip: bundle your auto and renters insurance policies in El Paso

If you’re looking to cut your insurance expenditures, carry your renters and auto policies under the same insurance company. Bundling renters and auto insurance in El Paso can result in substantial savings. In fact, bundling renters and auto insurance leads to average savings of 3.9% on car insurance premiums. The car insurance company with the cheapest bundled rate is State Farm, followed by USAA and Progressive.

Annual Bundle SavingsBundle Savings %

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