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Renters Insurance in Texas — Coverage From About $15/Month

Renters insurance in Texas covering personal property, personal liability, and additional living expenses if your apartment or rental home becomes uninhabitable.

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Benefits

What renters insurance includes.

  • Worldwide personal property coverage
  • Personal liability protection
  • Identity theft restoration
  • Additional living expenses
  • Guest medical payments
  • Coverage for theft outside the home

What renters insurance covers in Texas

Your landlord's policy covers the building. It covers nothing you own. Renters insurance covers your personal property against fire, theft, vandalism, smoke, and water damage from burst pipes, plus your personal liability if a guest is injured in your unit or if you accidentally damage the building. It also pays additional living expenses — hotel, meals, and the difference in rent — if the unit becomes uninhabitable. For most Houston-area renters the entire policy runs $12 to $25 a month.

Liability is the part people underestimate

The property coverage is what people shop for; the liability coverage is what saves them. A kitchen fire that spreads to two neighboring units, a bathtub overflow that reaches the apartment below, or a dog bite on the property can all become five- or six-figure claims against you personally. A standard $100,000 liability limit costs almost nothing to raise to $300,000, and it follows you off the property as well.

Flood, again, is separate

Renters policies exclude rising water exactly as homeowners policies do. Houston-area renters in ground-floor units near a bayou or in the San Jacinto watershed can add contents-only flood coverage through the NFIP for a modest premium — far cheaper than a homeowner's flood policy because you are not insuring the structure.

Pricing

What drives your premium in Texas.

  • Personal property limit you select
  • Liability limit and deductible
  • Building age, construction, and sprinkler systems
  • ZIP code and local theft claim frequency
  • Whether you bundle with an auto policy
  • Scheduled items such as jewelry, bikes, or electronics

Frequently Asked

Renters Insurance questions, answered.

Do Texas landlords require renters insurance?

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Many do. Most Houston-area apartment communities now require proof of renters insurance with a minimum liability limit — commonly $100,000 — before move-in, and they will ask to be listed as an interested party.

How much does renters insurance cost in Texas?

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Typically $12 to $25 per month for $20,000–$30,000 of contents and $100,000 of liability. Bundling with an auto policy usually reduces the combined premium by more than the renters policy costs.

Does renters insurance cover my roommate?

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Not automatically. Unless the roommate is listed on the policy, their belongings and liability are not covered. In most cases separate policies are cheaper and cleaner than a shared one.

Is my property covered outside my apartment?

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Yes. Personal property coverage generally follows you — a laptop stolen from your car or luggage taken while traveling is typically covered, subject to your deductible.