Texas Renters Insurance
Whether you rent a modern apartment with a rooftop pool in Austin or a ranch house outside San Antonio, renters insurance in Texas can help you repair or replace your personal belongings if they’re damaged or stolen.
How much does renters insurance generally cost in Texas?
Renters insurance in Texas can cost as little as $18 a month (or $218 per year) for around $32,0001 in coverage, according to 2022 data (the most recent available) from the National Association of Insurance Commissioners (NAIC). Keep in mind that insurance premiums in most states have changed since then. Also, your cost may be different depending on things like how much personal property you want to cover, what deductible you choose and risks specific to your location.
When you bundle renters and auto policies with Farmers®, you could save up to 8% on your auto policy and up to 20% on renters. You can bundle your policies online or ask your Farmers agent for details.
What does Texas renters insurance typically cover?
Typically, renters insurance policies in Texas can provide coverage against damage to or loss of personal belongings if caused by:
- Fire
- Vandalism and theft
- Lightning strikes
- Wind
- Hail
- Explosions
- Falling objects
- The weight of snow or ice
Flooding — a common risk in Texas — is usually not covered, but special flood insurance through the National Flood Insurance Program (NFIP) may be available for renters.
|
|
Smart home? Smart coverage with Farmers® Device ProtectionSwitch and save as much as 50%2 on coverage for cell phones, laptops and other home electronics that keep you connected. Learn more. |
Is renters insurance required in Texas?
No state laws require you to have renters insurance in Texas. However, landlords can require you to have a renters policy as part of a lease agreement. It may help pay for another person’s medical bills or repairs to their property if you’re found legally responsible for their injuries or property damage. Renters liability coverage may also help cover your legal expenses if you’re sued over an incident that occurs in the place you’re renting. Keep in mind that your landlord’s insurance provides coverage for the building itself, but this likely does not include your personal belongings.
Bluebonnet
More coverage options in Texas
Learn From Experience
Do you have more questions about renters insurance? We have answers.
Even though you’re just getting started, your personal possessions are probably worth more than you realize. Now imagine you have to run out and replace everything at today’s prices. That’s going to be a very expensive shopping trip — unless you have renters insurance to help cover the cost.
Your renters policy helps cover the contents of your apartment for a number of perils — including theft. If someone walks off with your laptop or sound system, your policy can help cover the cost to go out and buy a new one.
The amount of coverage you should consider getting depends on the combined value of all your personal possessions. Make a written inventory of what you brought into the place. Now think of what it would cost to replace everything with new merchandise at current prices.
Advertisement produced on behalf of the following specific insurers and seeking to obtain business for insurance underwritten by Farmers Insurance Exchange, Fire Insurance Exchange, Truck Insurance Exchange, Mid-Century Insurance Company, Farmers Insurance Company of Washington (Bellevue, WA) or affiliates. In TX: insurance is underwritten by Farmers Insurance Exchange, Fire Insurance Exchange, Truck Insurance Exchange, Mid-Century Insurance Company, Farmers Texas County Mutual Insurance Company, Mid-Century Insurance Company of Texas or Texas Farmers Insurance Company. In NY: insurance is underwritten by Farmers Insurance Exchange, Truck Insurance Exchange, MidCentury Insurance Company or Farmers New Century Insurance Company. Home office, Los Angeles, CA. Each insurer has sole financial responsibility for its own insurance. List of all insurers and states where licensed at farmers.com/companies/state/. Not all insurers are authorized in all states. Not all products, coverages, and discounts are available in every state and may vary by state. Restrictions, exclusions, limits and conditions apply. See agent for details.
1Savings are based on the combined monthly price of home device protection and phone protection plans offered by third parties as listed on their official websites as of January 24, 2025. Pricing comparisons were verified using rates advertised on their official websites and may vary by location.