Renters Insurance in Houston, TX

Author profile picture

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 Houston, Texas

It's very important to maintain renters insurance if you're renting a home. The coverage protects against a number of perils, including theft, fire, vandalism, or wind damage. Since these occurrences are fairly common, the affordable price of a renters policy, and the potentially high cost of replacing your belongings, a renters insurance policy is a solid investment.

The cost of renters insurance comes down to a variety of factors, including your building's age, the materials from which it’s made, its location, and the pricing guidelines 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 additional risk.

The average annual cost of renters insurance in Houston is $316.

Finding cheap renters insurance in Houston should start with a thorough comparison of the top renters insurance companies. Consult our analysis of Houston, Texas renters insurance premiums to commence your purchase process with as much background info as possible. 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 Houston

Renters insurance premiums in Houston depend on the insurance company providing the quote. For instance, USAA offers the cheapest renters insurance in Houston, at just $188 per year. This compares favorably to the city's average cost of $316, providing a $128 discount on the city's normal rates.

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

CompanyAverage Annual Rate in Houston
Texas Farmers$235

Houston renters insurance pricing by coverage tier

Your renters insurance rates will vary depending on your coverage levels. The most common levels of renters insurance coverage are $25,000 and $50,000 property coverage. In Houston, the average annual cost difference between these tiers is roughly $168. If you can afford the up-front expense, it's an option worth considering.

Coverage LevelAverage Annual Rate in Houston
$25K Property$232
$50K Property$400

Tip: bundle your auto and renters insurance policies in Houston

If you’re looking to cut your insurance expenditures, carry your renters and auto policies under the same insurance company. Bundling renters and car insurance in Houston can result in substantial savings. In fact, bundling renters and auto insurance leads to average savings of 3.9% on car insurance rates. The auto insurance company offering the most affordable rate with a renters bundle is State Farm, followed by USAA and Progressive.

Annual Bundle SavingsBundle Savings %

Need a Renters Insurance Quote?