Texas Renters Insurance

Average Renters Insurance Cost in Texas

Renters in Texas pay an estimated $194 per year ($16/month) for a standard policy, based on 2026 industry average data.

Renters Insurance Rates by City in Texas

What Makes Texas Renters Insurance Unique

Texas covers nearly every major weather risk — hurricanes on the Gulf Coast, tornadoes in the north, and hail statewide — which is why premiums vary more by city in Texas than in almost any other state.

Risk Factors Specific to Texas

Underwriters in Texas weigh hurricane, tropical storm, and wind damage more heavily than in lower-risk states when pricing renters policies.

Renters Insurance Compared With Rent in Texas

The median gross rent in Texas was $1,475 a month in 2024 (U.S. Census Bureau, American Community Survey), about the same as the national median of $1,487. Against that, our estimated renters premium of $194 a year — about $16 a month — equals roughly 13% of one month’s rent for a full year of coverage, above the middle share among the 50 states in our estimates.

The Coverage Detail That Matters Most in Texas

Renters in hurricane-exposed parts of Texas should know two things. First, renters policies exclude flood, including storm surge — contents flood coverage is a separate purchase, available through the National Flood Insurance Program for up to $100,000 of belongings. Second, some policies in coastal areas carry a separate named-storm deductible. Additional living expenses coverage pays for a hotel if a covered storm makes your unit unlivable, but not if you simply evacuate under orders with no damage, unless the policy includes civil authority coverage.

Frequently Asked Questions

How much is renters insurance compared with rent in Texas?

With a median rent of $1,475 a month (2024) and an estimated premium of $194 a year, a full year of renters insurance in Texas costs roughly 13% of one month's rent.

Does renters insurance cover flood or storm surge in Texas?

No. Renters policies exclude flood, including storm surge. Contents flood coverage is available separately through the National Flood Insurance Program, for up to $100,000 of belongings.

*No U.S. state legally mandates renters insurance, though individual landlords may require it as a lease condition. The information on this page is provided for general informational purposes only and reflects estimated industry averages as of 2026. Insurance rates change periodically; always verify current pricing with a licensed insurance professional. City-level and statewide premiums shown are approximations — individual rates will vary based on personal factors.