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The cheapest renters insurance company in Texas is Chubb, according to NerdWallet’s rate analysis.
State Farm, Travelers and USAA are a few of the best renters insurance companies in Texas.
The average cost of renters insurance in Texas is $173 per year.
The average cost of renters insurance in Texas is $173 per year, which is higher than the national average of $148. However, shopping around is often the best way to find more affordable rates. To help you narrow the options, NerdWallet compared companies across the state to find the cheapest renters insurance in Texas, plus the best options for quality coverage.
Note: Some insurance companies included in this article may have made changes in their underwriting practices and no longer issue new policies in your state.
The cheapest renters insurance in Texas
NerdWallet analyzed rates across the state from a variety of companies to find the ones offering the cheapest Texas renters insurance. Below are the six companies with the most affordable rates.
» MORE: The cheapest renters insurance
The best renters insurance in Texas
If you’re looking for quality coverage from a top-rated insurer, consider buying a policy from one of our Best Renters Insurance Companies.
NerdWallet star rating
Average annual rate
*USAA renters policies are available only to active military, veterans and their families.
More about the best renters insurance companies in Texas
See more details about each company to help you decide which one is best for you.
The country’s largest insurer, State Farm offers identity restoration coverage that you can add to your renters policy for $25 a year. This coverage helps you monitor and recover your credit after an identity theft incident and will reimburse associated expenses up to $50,000. Another useful feature you can add to a State Farm’s renters policy is inflation coverage, which raises your coverage limits to keep up with rising prices.
To learn more, read our State Farm renters insurance review.
Travelers offers solid coverage alongside a user-friendly website where you can file claims, pay bills and chat live with a company representative. You can customize your policy by upgrading to replacement cost coverage, which means the company will pay enough for you to buy brand-new replacements if your belongings are stolen or destroyed. You can also add extra insurance for valuable items such as an engagement ring or musical instrument.
Read our Travelers renters insurance review for more details.
Along with standard coverage for liability and personal belongings, Nationwide renters insurance includes coverage for expenses due to theft, like unauthorized credit or debit card transactions and forged checks. You may also be able to add coverage for jewelry and other valuables or for damage due to backed-up drains.
Learn more in our Nationwide renters insurance review.
An Allstate renters policy is worth considering for older tenants, as you may be eligible for a discount of up to 25% for being at least 55 years old and retired. You may also be able to save by bundling your renters policy with Allstate auto insurance. The Allstate website offers a variety of useful features, including claim tracking, online quotes and coverage advice.
Learn more in our Allstate renters insurance review.
Unlike most insurance companies, USAA includes coverage for flood damage as part of its renters policies. It also covers your stuff on a replacement cost basis, meaning that your claim payouts won’t be reduced just because some of your belongings have lost value since you first bought them. But only veterans, active military and their families can buy USAA renters insurance.
Check out our USAA renters insurance review to learn more.
How much is renters insurance in Texas?
The average cost of renters insurance in Texas is $173 a year, or about $14 a month. That’s about 17% more than the national average of $148 a year.
In most U.S. states, including Texas, many insurers use your credit-based insurance score to help set rates. Your insurance score is similar but not identical to your traditional credit score.
In Texas, those with poor credit pay an average of $297 per year for renters insurance, according to NerdWallet’s rate analysis. That’s about 72% more than those with good credit.
» MORE: How much is renters insurance?
Average cost of renters insurance in Texas by city
How much you pay for Texas renters insurance will depend in part on where you live. For example, the average cost of renters insurance in Houston is $246 per year, while renters in Dallas pay $195 per year, on average.
Below are average rates for renters insurance in 25 of the largest cities in Texas.
Average annual rate
Average monthly rate
What to know about Texas renters insurance
Natural disasters, such as tornadoes and tropical storms, happen regularly in Texas. If one strikes your home, your landlord’s insurance will cover only the building structure, not any damage to your possessions. That’s why it’s important to know what’s covered (or not) when shopping for renters insurance in Texas.
Flooding is the state’s most common disaster, according to the Texas Department of State Health Services, but standard renters policies won’t cover it. If you’re at risk — for example, if you live in a ground-floor apartment near the beach or another low-lying area — you may want to purchase separate flood insurance. Learn more about flood insurance for renters.
Hurricanes, tropical storms and tornadoes
Renting a place on the Gulf Coast? Make sure your renters insurance covers damage from hurricane and tropical storm winds. Though many standard renters policies cover wind-related claims, such coverage may be specifically excluded if you live in high-risk areas near the coast. The Texas Windstorm Insurance Association offers wind and hail policies to those who can’t find coverage elsewhere.
Even if you’re not in an area prone to hurricanes, you may still want to check your wind coverage. More than 100 tornadoes strike the state each year, on average.
Wildfires are another common disaster in Texas. While most renters policies cover losses due to fire, you’ll want to make sure you have enough personal property coverage to replace all your belongings if the worst happens. The calculator below can help you estimate how much your possessions are worth.
What determines Texas renters insurance rates?
You may pay more or less than the average annual premiums listed above, depending on various factors.
If you live on the Gulf Coast where hurricanes are common, or in a neighborhood with a high crime rate, you may pay more for a renters policy.
As noted above, many insurance companies look at your credit history to evaluate how likely you might be to file a claim. People with better credit tend to get cheaper renters insurance rates.
Your claims history
If you’ve filed any renters insurance claims in the past few years, your insurer may charge more for your policy. NerdWallet analyzed Texas renters insurance rates for tenants who’d previously filed a theft claim and found that they were 17% higher than rates for someone without a recent claim, on average.
Your coverage limits
If you have more possessions — or particularly valuable possessions — to cover, you’ll typically pay more for renters insurance.
Raising your deductible is an easy way to lower your Texas renters insurance premium, as long as you feel confident you can access enough cash to pay it if necessary. (A deductible is the amount subtracted from your claim payout.)
If you buy your renters and auto insurance from the same company, you can often get a bundling discount.
Your home’s features
Home security systems, fire alarms and 24-hour building security guards could earn you discounts.
Dog bites are a common cause of renters liability insurance claims. So if your pup is a breed that insurance companies consider high-risk, such as a pit bull or Doberman pinscher, your premium might be higher (if the animal is covered at all).
Texas Department of Insurance
If you have questions, concerns or complaints about your renters insurance, the Texas Department of Insurance may be able to assist. You can call its consumer helpline at 800-252-3439 for service in both English and Spanish.
When you buy or renew a renters policy in Texas, your insurance company is required to give you a copy of the department’s Consumer Bill of Rights for renters insurance. This document is worth a read: It explains how Texas insurance companies can use your credit information, establishes timelines for claims processing and lists circumstances under which your policy can and can’t be canceled.
Looking for more insurance in Texas?
Renters insurance star rating methodology
NerdWallet’s renters insurance ratings reward companies for customer-first features and practices. Ratings are based on weighted averages of scores in several categories, including financial strength, consumer complaints, coverage options, discounts and online experience. These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best rate for you. NerdWallet does not receive compensation for any reviews. Read our full renters insurance rating methodology.
Insurer complaints methodology
NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2019-2021. To assess how insurers compare with one another, the NAIC calculates a complaint index each year for each subsidiary, measuring its share of total complaints relative to its size, or share of total premiums in the industry. To evaluate a company’s complaint history, NerdWallet calculated a similar index for each insurer, weighted by market shares of each subsidiary, over the three-year period. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC. Ratios are determined separately for auto, home (including renters and condo) and life insurance.
Renters insurance rates methodology
To find the national cost of renters insurance, NerdWallet calculated the median rate for 30-year-old tenants from multiple insurance companies in every ZIP code across all 50 states and Washington, D.C. To find the average cost of renters insurance by state and city, we calculated the median rates from all insurance companies where coverage and rates were available. To find the average cost of renters insurance for each company, we calculated the mean for that company’s rates in all ZIP codes across the state.
Sample tenants were nonsmokers with good credit and no recent claims, living in a two-bedroom apartment. They had a $500 deductible and the following coverage limits:
$30,000 in personal property coverage.
$100,000 in liability coverage.
$10,000 in additional living expenses coverage.
$1,000 in medical payments coverage.
To see rates for renters with poor credit, we changed the credit tier from “good” to “poor” as reported to the insurer.
These are sample rates generated through Quadrant Information Services. Your own rates will be different.