Best Renters Insurance in Texas (2025)
Amica is the best renters insurance company in Texas due to its cheap rates. It also offers many discounts and coverage options. Lemonade is the cheapest renters insurance company in Texas with an average rate of $14 a month.
Cheapest renters insurance companies in Texas
Lemonade is the cheapest renters insurance company in Texas, charging $14 a month, on average.
Amica is close behind, with an average rate of $16 a month, according to our data.
Allstate and State Farm also offer affordable renters insurance that’s cheaper than the state average rate of $20 a month.
| Company | Monthly rate | Annual rate | LendingTree score |
|---|---|---|---|
 Lemonade | $14 | $168 |  |
 Amica | $16 | $192 |  |
 Allstate | $18 | $216 | |
 State Farm | $18 | $216 |  |
 Progressive | $24 | $288 |  |
 Farmers | $24 | $288 | |
 Assurant | $25 | $300 |  |
To find the best and cheapest insurance for your rental home, compare renters insurance quotes from several companies before you buy or renew a policy.
Best renters insurance companies in Texas
Amica is our pick for best renters insurance company in Texas, but three other companies are also worth a look depending on your needs.
Lemonade charges low rates, while Progressive offers great discounts and Assurant has many coverage options.
Best overall company: Amica
Amica doesn’t have the cheapest renters insurance in Texas, but its rates are still pretty low. At $16 a month, Amica’s average rate is only $2 a month more than that of the state’s cheapest company, Lemonade.
Along with affordable rates, Amica offers more renters insurance discounts and add-on coverage options than almost all of the other companies we surveyed in Texas.
| Pros | Cons |
|---|---|
| Second-lowest renters insurance rates in Texas. | Not rated by J.D. Power, so customer satisfaction is a question mark. |
| Offers more discounts and coverage options than most other companies. |
Best for cheap rates: Lemonade
Lemonade is the best company for cheap renters insurance in Texas, with rates that average $14 a month.
This is 13% lower than the next-cheapest company, Amica. And it’s 30% cheaper than the state average renters insurance rate of $20 a month.
Lemonade also stands out for having the highest J.D. Power customer satisfaction rating of the Texas renters insurance companies we surveyed.
| Pros | Cons |
|---|---|
| Cheapest renters insurance rates in Texas. | Doesn’t offer many coverage options. |
| Highest customer satisfaction rating of companies surveyed. | Few discounts. |
Best discounts: Progressive
Progressive’s average renters insurance rate in Texas is $10 a month more than the state’s cheapest company, Lemonade.
You may be able to make Progressive’s rate a lot cheaper if you qualify for one or more of its many discounts, though.
Progressive customers can get renters insurance discounts if they:
- Bundle an auto, motorcycle, boat or RV policy with your renters coverage
- Get a quote from Progressive at least three days before your policy starts
- Live in a gated or secured community
- Pay for their policy up front and in full
- Receive bills and policy info electronically
| Pros | Cons |
|---|---|
| Offers more discounts than any other company we surveyed in the state. | Customer satisfaction rating is worse than the average. |
| Average rate is higher than most competitors, but is still affordable. | Only offers a few add-on coverages. |
Best coverage options: Assurant
Assurant is the best renters insurance company in Texas for coverage options. It offers more add-on coverages than any other company we surveyed in the state, and also offers some nice standard coverages.
You can add these optional coverages when you buy a renters insurance policy from Assurant:
- Scheduled personal property
- Rent protection
- Water sewer backup
- Pet damage
- Earthquake
- Identity fraud expense
Assurant’s standard renters insurance policy covers possessions that dry rot, fungi or mold damage or destroy. Depending on where you live, it may also cover bed bugs, food spoilage and added living expenses tied to flooding.
| Pros | Cons |
|---|---|
| Offers more add-on coverages than any other company we surveyed. | Average renters insurance rate is higher than any other company we reviewed. |
| Even a standard policy provides broad coverage. | Not rated by J.D. Power, so customer satisfaction is unknown. |
How much is renters insurance in Texas?
The average cost of renters insurance in Texas is $20 a month, or $240 a year.
The exact amount you pay for Texas renters insurance may be more or less than the state average because of things like:
- Types and amounts of coverage you buy
- Deductible you choose
- Value of your belongings
- Where you live in the state
Texas renters insurance cost by city
Renters in Austin and Plano pay the cheapest renters insurance rates among Texas’ largest cities. The average cost of renters coverage in both cities is $17 a month.
Houston is the most expensive city in Texas for renters insurance. Its average rate is $25 a month. That’s 47% higher than the average in Plano or Austin.
| City | Monthly rate | Annual rate |
|---|---|---|
| Arlington | $20 | $240 |
| Austin | $17 | $204 |
| Corpus Christi | $23 | $276 |
| Dallas | $20 | $240 |
| El Paso | $18 | $216 |
| Fort Worth | $21 | $252 |
| Houston | $25 | $300 |
| Lubbock | $20 | $240 |
| Plano | $17 | $204 |
| San Antonio | $23 | $276 |
What does renters insurance cover in Texas?
Texas renters insurance usually covers your additional living expenses, personal liability and personal property.
Additional living expenses
Also called loss of use coverage, this can help pay some of the extra expenses that come up if your rental home is damaged and you need to relocate for a while. It can cover:
- Higher food, laundry and transportation bills
- Hotel costs
- Moving fees
- Pet boarding
- Storage rental
Personal liability
This coverage can protect you if someone is injured or their belongings are damaged while visiting your home. This can include legal fees and court costs.
Personal property
The personal property portion of a renters insurance policy covers all of your belongings or possessions. This may include:
- Artwork
- Clothing
- Jewelry
- Electronics
- Furniture
If events like fire, lightning, theft or vandalism damage or destroy any of these things, your policy will pay to repair or replace them.
Do I need renters insurance in Texas?
You only need to buy renters insurance in Texas if your landlord requires it.
Landlords can require renters insurance as part of a rental or lease agreement in Texas and in most other states.
Buying renters insurance is a good idea even if your landlord doesn’t require it.
- It protects you against liability claims if you damage the building or if someone is injured while visiting your home.
- It covers your possessions – including clothing, electronics and furniture – from damage or destruction. Your landlord’s insurance policy won’t cover these items.
Texas renters insurance and flood damage
Flooding can hit any part of Texas at any time. Here’s what you need to know to protect yourself and your belongings from flood damage.
- A standard renters insurance policy usually won’t cover flood damage to your belongings. You need separate flood insurance for that.
- If you have flood insurance, contact your insurance company or agent as soon as you can after flooding damages your home or apartment.
- Be patient. It may take a while for your insurance company to send someone out to assess the damage. Especially if the flooding was widespread.
- You’ll need comprehensive car insurance to cover flood damage to your vehicle.
Frequently asked questions
The average cost of renters insurance in Texas is $20 a month, or $240 a year.
You might pay more or less than this amount based on things like where you live and how much stuff you own and want to protect.
Lemonade has Texas’ cheapest renters insurance, charging an average rate of $14 a month, or $168 a year.
You should buy enough renters insurance to at least protect your personal belongings and assets.
To decide how much renters insurance coverage you need to protect your belongings, create an inventory that includes the estimated value of each item.
To calculate how much coverage you need to protect your assets, add up the value of your possessions (including big ones like your car), your savings and even things like retirement accounts.