Renters insurance in San Antonio, Texas
Renters insurance is critical if you're renting a house or apartment. It protects your rental unit — and any personal belongings within it — against a variety of harms, including fire, theft, vandalism, or wind damage. Given the likelihood of one of these incidents, the affordability of a renters policy, and the relatively high cost of replacing your property, a renters insurance policy is a solid investment.
The cost of renters insurance relies on a number 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 extra risk.
The average annual cost of renters insurance in San Antonio is $267.
Finding reliable renters insurance in San Antonio starts with shopping around and comparing policies. Check out our breakdown of San Antonio renters insurance premiums to begin your search with as much background info as possible. Remember: rates will vary based on your coverage limits and other factors.
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Popular renters insurance companies in San Antonio
Renters insurance premiums in San Antonio depend on the insurance company providing the quote. For instance, USAA offers the most affordable renters insurance in San Antonio, at just $173 per year. This compares favorably to the city's average cost of $267, providing a $94 price break on typical rates in the city.
Begin your search for a renters insurance policy by exploring the cheapest insurers in San Antonio.
AFFORDABLE RENTERS INSURANCE COMPANIES IN SAN ANTONIO
| Company | Average Annual Rate in San Antonio |
| USAA | $173 |
| Travelers | $201 |
| State Farm | $222 |
| United | $228 |
| Texas Farmers | $229 |
San Antonio renters insurance pricing by coverage tier
The cost of your renters insurance depends on the amount of coverage you carry. Two of the most common levels of renters insurance coverage are $25,000 and $50,000 property coverage. In San Antonio, the annual cost differential between these levels is approximately $136. If you can afford to insure your personal property at this additional expense, purchasing more coverage might not be a bad idea.Coverage Level Average Annual Rate in San Antonio $25K Property $199 $50K Property $335
Tip: bundle your auto and renters insurance policies in San Antonio
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 San Antonio can result in substantial savings. In fact, bundling policies in San Antonio leads to average auto insurance savings of $71. The auto insurer offering the most affordable rate with a renters bundle is State Farm, followed by USAA and Progressive.
CAR AND RENTERS BUNDLING DISCOUNTS IN SAN ANTONIO
| Annual Bundle Savings | Bundle Savings % |
| $71 | 3.9% |