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Renters Insurance in Texas

For an average of $11-$20 per month, Texas renters insurance protects a tenant's personal property. As a subcategory of residential insurance, renters insurance policy typically provides coverage for property damage or loss, temporary living expenses in the case of damage, loss or repairs, and liability coverage. Depending on the coverage type, renters insurance may protect personal property from events like theft and damage while also providing coverage in situations where liability claims arise.

Most Common Renters Insurance Companies in Texas
(in alphabetical order) Average Consumer Satisfaction
Allied 3.8
Allstate 3.4
American Risk 2.5
Assurant 3.4
Amica Mutual 4.4
Centauri 2.3
Chubb 4.1
ePremium 3.3
Farmers 4.2
Foremost 3.2
Geico 4.1
Germania 3.2
Guard 2.7
Hallmark 3.1
The Hartford 4.1
Imperial Fire and Casualty 3.4
Jetty 3.6
Lemonade 4.3
Liberty Mutual 3.7
Mercury 2.8
Nationwide 3.9
Progressive 3.4
Pronto 3.2
State Farm 4.1
Stillwater 2.0
Texan Insurance 4.7
Texas Farm Bureau 3.5
Travelers 3.8
UPC Insurance 3.1
USAA 4.0
US Lloyds 2.9
Note: Average consumer satisfaction score is the average aggregate score from multi-user (non-employee) review platforms, such as: ConsumerAffairs, TrustPilot, WalletHub, SuperMoney, and others (based on availability).

Use the quote comparison worksheet to help in selecting the right coverage based on your needs. Find a local agent who can help you navigate your options.

What Is Considered Renters Insurance?

Renters insurance is a type of insurance that is available to you as a tenant for the protection of your personal property inside your rented unit from damage, burglary, and other unforeseen mishaps that your insurance policy covers, like a third-party injury in your home.

What Is The Point of Renters Insurance in TX?

Renters insurance is structured to ensure that tenants are covered in the event of perils. Renter’s insurance is specifically tailored to protect persons who do not own their own homes and are thus not covered by other types of insurance, such as homeowners insurance or landlord insurance. Renters insurance provides coverage for renters from any damage to property, temporary loss of use of rented property, and liability protection. For example, if you have renter’s insurance, you will be protected if there is a burst pipe in your home that goes on to damage your furniture or your expensive rug.

What Is Renters Insurance For in TX?

Renters insurance is particularly for tenants to protect personal property from unforeseen perils and provide for additional living expenses and third-party liability charges that may arise from third-party claims on the property. Renters insurance protects tenants from fire, burst pipes, theft, and other similar occurrences. Persons with loss of use coverage under renters insurance may get help paying for temporary accommodation, feeding, and hotel bills if a covered risk occurs, causing them to find new accommodation temporarily. Renters insurance also protects your personal property while in transit and away from your normal residence.

What Are The Types of Renters Insurance in TX?

With renters insurance, you can decide the extent of coverage you want. There are typically two types of renters insurance policies, which are:

  • Named perils coverage - provides compensation or coverage for specific incidents named in the policy document. Under named perils coverage, you can identify the disasters or damage for which the policy will cover. This coverage type is advisable for persons living in areas with no unexpected major issues like floods or earthquakes. As such, policyholders can decide to cover only the perils that are of major concern. For example, if your named perils policy only covers flood, you will not be insured in the event of a fire and cannot file a claim for damage caused by fire.
  • All-risk coverage - provides coverage against all possible types of perils except those that are explicitly exempted under the policy. For example, if a renter is insured under an all-risk policy and a fire occurs, a claim can be filed unless the fire was expressly named one of the policy's exclusions. The risks that are typically exempted under this policy include earthquakes, floods, war, and government seizures.

Do You Need Renters Insurance in Texas?

A list of facts outlining why you may need renters insurance in Texas:

Why Do You Need Renters Insurance in TX?

Renters insurance is typically required to protect against perils financial losses that might occur at your rented apartment, home, or condo. For example, with renters insurance, you can make claims if your home is burgled or a burst pipe damages your property with renters insurance. Some renters insurance policies may also enable you to make claims if you need to find alternative accommodation due to damage to your property. Renters insurance could also pay for legal services if you are sued for a third-party injury that occurred in your rented property.

How Much Renters Insurance Do You Need in TX?

To determine how much renters insurance you need, consider how much it will cost to repair or replace things in your rented property in the event of a covered peril. The insurance cover you get should be able to adequately cover the value of the property you wish to insure and include a reasonable amount for personal liability. Other factors that might affect how much renters insurance you get include your location, the size of your property, deductibles, credit score, ownership of pets, and even the amount of safety and preventive features your property has.

As a tenant in an area with a low crime rate or a very well-protected building, you might not need burglary or theft coverage. In this instance, you might opt for a named perils policy and specify the risks that should be covered under this policy. All-risk policies tend to cost more than named-peril policies because they are all-encompassing and cover more risks. Before you purchase any insurance policy, make sure you contact an experienced and Texas-licensed insurance professional to help guide you through the purchase process.

Read more about the cost of renters insurance in Texas.

What Renters Insurance Coverage Do You Need in Texas?

There are three major coverage types available for renters insurance, and you can decide to select specific coverage types or negotiate a policy that combines specific coverage types. Talk to a Texas licensed insurance agent to help you decide what coverages to include or exclude based on your needs. The major coverage types under renters insurance are:

  • Personal Property Coverage - provides coverage for repairing or replacing damaged or stolen personal property within the insured premises. For example, if your house is burgled and your television or furniture is stolen, your insurance company may replace the stolen items. However, this depends on the coverage limits of your policy.
  • Loss of Use Coverage - provides coverage for costs of living you might incur if you have to move out of your property temporarily. For example, if you experience a peril that has been included in your policy, such as flooding or burst pipes and damaged electrical systems in your home, this coverage will help you cover the costs of finding alternative accommodation. It will also cover the cost of feeding and other additional expenses you might incur while the property is being repaired.
  • Personal Liability Coverage - helps cover legal costs if you are sued by a third party that gets injured in your home. Personal liability coverage is a type of coverage that comes into effect if an injury occurs in your home for which you are responsible, and you are subsequently sued as a result. The coverage will help pay legal fees and could also be applied to medical bills if the injured person requires such.

Is Renters Insurance Required by Law in Texas?

No Texas statute or law requires renters insurance. However, some landlords may require that you obtain renters insurance as part of the terms of your tenancy.

Read more about why you may need to get Renters insurance (based on your situation).

How Does Renters Insurance Work in Texas?

Let’s take look at how renters insurance works:

What Is An Example of Renters Insurance?

Some renters insurance examples include property coverage against theft, vandalism, or damage. For example, renters insurance may replace your expensive ceramic collection or special barbecue if stolen. Alternatively, suppose your television set, expensive rug, and other furniture are damaged by water from a burst pipe in your rented apartment. In that case, your renters insurance policy may cover the replacement or repair of the items, depending on your insurance policy. If a home accident occurs where you are responsible for someone getting injured in your home and need to pay medical bills or legal fees if sued, your renters insurance policy may cover the bills involved.

What Is The Most Common Use of Renters Insurance?

The most common use of renters insurance is to protect personal belongings within a rented property and for coverage in situations where a policyholder might need to find alternative accommodation for a short period due to a covered peril.

What Is The Difference Between Renters Insurance and Homeowners insurance?

One of the major differences between homeowners insurance and renters insurance is that homeowners insurance is purchased by only persons living in apartments they own, either paid off or mortgage, while renters insurance is for tenants. Renters insurance is strictly for tenants and covers the property and the tenant’s personal belongings within the rented apartment to the extent stated on the policy document. While homeowners insurance has a wider coverage range, renters insurance only provides personal coverage for the policyholder. It does not include other tenants or roommates. On the other hand, a homeowner’s insurance policy covers live-in relatives, dependents of the homeowner, and their personal properties.

When Does Renters Coverage Begin?

Your renter's insurance will typically begin immediately after purchase unless you decide to delay the start date intentionally. Insurance providers allow policy purchasers to determine when their policies should start, and this could be immediately the policy is purchased or the next day, week, or month.

Who Can Get Renters Insurance in Texas?

Renters insurance is available to anyone who rents a residential property and desires to protect their personal belongings against third-party liability claims. Renters insurance can be purchased by a tenant of a whole building or even someone who rents and occupies only a single room in a larger building. Contact a Texas-licensed insurance professional to determine what type of renters insurance coverage is available to you.

Who Qualifies for Renters Insurance in TX?

Renters insurance is available to anyone who occupies a rented property in any type of structure, either an apartment or a normal house by lease or normal tenancy. Renters insurance may also be purchased by family members who live in a family property but do not qualify for coverage under the owner’s renters insurance. You can get renters insurance even if you rent just a single room in a structure or as additional cover for your property regardless of whether the insurance of your parents covers you as a dependent. Renters insurance is also available to persons that are not entirely tenants but live in a house where the homeowner’s insurance does not cover their personal belongings.

Who Needs Renters Insurance in TX?

It is advisable for all tenants and lessors to get renters insurance because renters insurance protects policyholders’ personal properties from unforeseen perils. It also protects the policyholder from medical or legal claims from third parties. Some persons may also need renters insurance because it is a precondition set by the landlord before renting out a home. Generally, renters insurance is a good idea for any tenant, squatter, or live-in guest who wants their personal property to be protected.

Who Should Get Renters Insurance in TX?

You should get renters insurance if your landlord requires it or if you are a tenant and would like your personal property protected from damage and other unforeseen perils. However, before you purchase any particular type of insurance, including renters insurance, contact a Texas licensed insurance agent. A licensed insurance agent can help answer any questions you might have regarding renters insurance and guide you on the appropriate coverages to get based on your needs.

What Are The Benefits of Renters Insurance?

Renters insurance is advisable because it ensures that you don't have to pay out of your pocket for covered perils such as unforeseen home accidents, mishaps, or theft. It is an ideal way to ensure that your property is protected and that you are also covered in an instance where you have to pay legal or medical bills for third-party liability. Renters insurance is also typically quite cheap and offers protection at an affordable rate. Contact a Texas-licensed insurance agent to get more information about the benefits of renters insurance as it applies to you in order to fully take advantage of all these benefits.

What Are The PROs and CONs of Renters Insurance in Texas?

PROs of Renters Insurance

Renters insurance has a variety of benefits that accrue to the policyholder. Some of these benefits include:

  • Renters insurance helps provide cover for losses or damage to personal property.
  • Renters insurance could provide liability cover for injuries and accidents you are responsible for as a tenant.
  • Renters insurance could provide coverage for additional living costs and expenses if your rented house is damaged or uninhabitable for a short period.
  • Renters insurance is a typically affordable cover that can be customized to fit your particular purpose.
  • Renters insurance can help satisfy rental requirements, particularly when the landlord requires all tenants to have it.
  • Renters insurance can also protect your property when you travel.

CONs of Renters Insurance

Although renters insurance is generally considered important and valuable to the beneficiaries, there are some drawbacks:

  • Renters insurance has limits on coverage and certain exclusions, which might leave you short on protection
  • Renters insurance might be expensive if you want to include more valuable properties. For example, including a costly antique collection may significantly increase the premiums you have to pay.
  • Purchasing replacement value coverage on your renters insurance might be costly
  • Persons with low credit scores may be required to pay more to get renters insurance

You should always ask for advice from a properly licensed Texas insurance agent before deciding on a policy provider. It is also important to discuss with a duly licensed agent before purchasing renters insurance to ensure that you get a policy that effectively covers your insurance needs.

Is Renters Insurance Worth Buying in Texas?

Yes, renters insurance is worth buying especially if you want to protect your property from unexpected losses and damage and also provide financial alternatives if you are sued for negligence and have to pay legal or medical fees. To better understand the importance of renters insurance and the many benefits it offers tenants, please contact a Texas licensed insurance agent.

What Happens If You Don’t Have Renters Insurance in Texas?

In Texas, if you don’t have renters insurance, you might find yourself having to pay huge amounts if any damage or theft happens at your rented property. Without renters insurance, you will be personally responsible for the replacement or repair of your property if there is a fire, theft, or other peril that damages the personal properties in your rented apartment. You will also have to pay the medical bills of anyone that gets injured at your property if you are responsible for the injury.

Why is Renters Insurance Important in Texas?

Renters insurance is important in Texas because it gives you some assurance that you will be covered in the event of any peril that causes damage to any of the properties in your rented home. Renters insurance offers a relatively affordable way to protect yourself from having to spend money to repair or replace damaged or stolen property that is covered by your policy.

What Happens When Your Renters Insurance Lapses in Texas?

Your renters insurance policy is typically maintained by making regular monthly or semi-annual premium payments when due. Failure to make any of these payments will result in the expiration of your policy, and you will no longer be protected by such policy. However, most insurance providers are required to give you a month’s notice before the lapse of your insurance cover. Once your coverage lapses, you lose all the protection for your property, your liability protection as well as your loss of use coverage.

If your coverage has lapsed, check your renters policy for the grace period term. In most Texas insurance the insured is given 30-31 days to make the payment and keep the coverage intact.

If you contact a Texas licensed insurance agent, asides from making sure that you get the right packages, the agent can also help you understand your obligations under the policy and show you what to avoid so that your policy does not lapse. You must ensure that your coverage does not lapse because that will result in zero coverage and exposure to hazards you may have initially been protected against under the policy.

Which Renters Insurance to Buy in Texas?

There are a lot of insurers offering coverage for tenants in Texas. In order to get the best renters policy for your needs, shop around for renters insurance quotes in Texas from multiple insurance companies. Compare not just the prices but also the coverage terms. Enlist the services of a licensed Texas insurance agent who can help you compare the possible options.

Find a local agent who can help you navigate your options. The agent’s help is free for you.

What is Covered by Renters Insurance - a Detailed Texas Guide

How Much is Renters Insurance in Texas?

Do I Need Renters Insurance in Texas? - FAQ

How to Buy Renters Insurance

How Are Renters Insurance Claims Handled in Texas?

How to Pay for Renters Insurance

How to Make Changes to Renters Insurance

How to Replace Renters Insurance

How to Cancel Renters Insurance


Renters insurance quote comparison worksheet (PDF)

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