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Top 7 Renters Insurance Providers in Texas
Based on our team’s research, these are the top companies providing renters insurance policies in Texas:
- Lemonade: Our top pick
- Toggle: Our pick for custom pricing
- State Farm: Our pick for affordable premiums
- Allstate: Our pick for seniors
- Progressive: Our pick for bundling
- American Family: Our pick for customer service
- Nationwide: Our pick for valuable endorsem*nts
Lemonade Renters Insurance
Our Top Pick
4.6
Cost: 4.8
Availability and Ease of Use: 5
Brand Trust: 5
Coverage: 3.5
Our Rating
Our Review
A.M. BestNRJ.D. Power854/1000
MONTHLY COST$13.33
Pros and Cons of Lemonade
Pros Provides a fast process for signing up for a policy, based on our experience Charges relatively affordable rates compared to other options on our list Has a high J.D. Power and Associates score for customer satisfaction Cons Does not provide many discounts No AM Best rating, which indicates financial strength
Why We Chose Lemonade
Lemonade offers a digital process for acquiring renters insurance, and based on our experience, makes it easy to sign up for a policy using artificial intelligence (AI)-based technology. Many customers on the Better Business Bureau (BBB) and Trustpilot seem satisfied with its claims filing process, which is fast and convenient thanks to the company’s mobile app. The provider received a high score on J.D. Power’s customer satisfaction study.
Although Lemonade does not provide endorsem*nts against severe weather events, a potential drawback in Texas, you can choose from other coverage options. The insurer also only provides a few savings opportunities.
Discounts and Endorsem*nts
Lemonade falls short in the area of discounts with its renters insurance policies. However, you can lower your premium if you qualify for these two discounts:
- Multi-policy bundling
- Protective devices
The insurer also lets you extend your coverage through these endorsem*nts:
- Expensive jewelry
- Equipment breakdown
- Pet damage to property
- Water backup
- Water damage
What Customers Think of Lemonade
To learn more about Lemonade’s quality of customer service, our team read through reviews on the BBB and Trustpilot to identify positive and negative trends.
What Customers Like
- User-friendly app: Many customers, such as this one, commended the simplicity of filing a claim through the insurer’s mobile app.
- Customer support: A policyholder expressed gratitude for the customer service offered by the company.
What Customers Don’t Like
- Digital processes: A reviewer mentioned issues using the company’s digital technology to sign up for coverage online.
- Automatic policy renewal: Some reviewers, including this one, mentioned Lemonade charging automatic policy renewals without customer consent.
We reached out to Lemonade for comment on its negative customer reviews but did not receive a response.
Toggle Renters Insurance
Our Pick for Custom Pricing
4.1
Cost: 4.3
Availability and Ease of Use: 3.6
Brand Trust: 4.5
Coverage: 4
Our Rating
Our Review
AM Best ratingAJ.D. Power scoreNot rated
MONTHLY COST$12.59
Pros and Cons of Toggle
Pros Charges affordable rates for basic coverage Lets you customize your policy Only takes a few minutes to get a quote, based on our experience Cons Does not offer any discounts No endorsem*nts for natural disasters
Why We Chose Toggle
Toggle offers a convenient online quote process, and it does not take much time to fill out its form, based on our experience. You can start the process by providing your name, address and date of birth. The insurer lets you modify your coverage and simultaneously adjusts the price so you can see how it affects your overall costs.
Toggle allows you to choose from different levels of coverage, but it does not offer discounts with its renters policies. It also does not provide additional coverage for natural disasters that could impact Texas, such as hurricanes or floods.
Discounts and Endorsem*nts
There are no discounts available with Toggle’s renters insurance policies based on our review. However, those looking for additional coverage can add these endorsem*nts:
- Identity protector
- Pet parent
- Replacement cost coverage
- Side hustle
- Significant other
- Temporary living costs
What Customers Think of Toggle
Toggle started offering renters insurance a few years ago, so our team could not find customer reviews posted on third-party sites such as Trustpilot and the BBB.
State Farm Renters Insurance
Our Pick for Affordable Premiums
4.3
Cost: 4.3
Availability and Ease of Use: 5
Brand Trust: 4.7
Coverage: 3.5
Our Rating
Our Review
A.M. BestA++J.D. Power844/1000
MONTHLY COST$12.08
Pros and Cons of State Farm
Pros Has a vast network of local agents Above-average customer satisfaction score in J.D. Power’s 2023 study Straightforward online quote process, based on our experience Cons Limited number of discounts available Does not offer endorsem*nt against flood damage
Why We Chose State Farm
State Farm might offer you cheaper rates compared to other providers in Texas, based on the quote we received during our analysis. However, your rates may differ depending on your unique situation. You can lower your policy costs by choosing a bundled policy or by having home security systems on your property.
The insurer has a vast network of local agents if you prefer an in-person buying experience. Although you can start the coverage process online, you can also contact an agent if you have concerns regarding your coverage amount or other details.
Discounts and Endorsem*nts
You may save on your State Farm renters insurance by qualifying for these discounts:
- Multi-policy bundling
- Home security devices
State Farm lets you add these additional coverages to your policy:
- Earthquake damage
- Identity restoration
- Personal liability umbrella policy
- Pet medical insurance
What Customers Think of State Farm
Our team read through reviews on the BBB and Trustpilot to better understand what customers think about State Farm.
What Customers Like
- Supportive local agents: Several policyholders, such as this one, praised the prompt and effective assistance by the company’s local agents.
- Streamlined claims process: Many customers, including this reviewer, appreciated State Farm’s swift and straightforward claims process.
What Customers Don’t Like
- Policy termination: A policyholder expressed frustration when their insurance was canceled after they filed a claim for roof damage.
- Premium hikes: Several customers, such as this one, were upset about the company increasing their insurance premiums.
We reached out to State Farm for comment on its negative customer reviews but did not receive a response.
Allstate Renters Insurance
Our Pick for Seniors
4.3
Cost: 5
Availability and Ease of Use: 4.2
Brand Trust: 4.7
Coverage: 2.5
Our Rating
Our Review
A.M. BestA+J.D. Power835/1000
MONTHLY COST$11.25
Pros and Cons of Allstate
Pros Retired seniors can lower premiums by up to 25% Provides many endorsem*nts for policy customization Offers policy bundling options Cons Received a below-average score for customer satisfaction in the 2023 J.D. Power study Does not offer many discounts compared to some other companies on our list
Why We Chose Allstate
Allstate presents an opportunity for seniors in Texas to lower the price of their renters insurance with a 55-and-retired discount. You could qualify for up to 25% off on your premium if you are 55 years or older and not seeking full-time employment. The insurer also offers a discount on policy bundling.
Besides these discounts, Allstate has few savings opportunities. The insurer offers endorsem*nts, such as scheduled personal property coverage and blanket jewelry coverage, to those looking to extend their coverage.
Discounts and Endorsem*nts
Allstate does not have many discounts available with its renters policies but you may qualify for the following:
- Multi-policy bundling
- 55-and-retired
Texas renters looking to extend their policy’s coverage can add these endorsem*nts to their policy:
- Blanket jewelry
- Flood insurance
- Identity theft restoration
- Scheduled personal property
What Customers Think of Allstate
To analyze Allstate’s customer service, our team read reviews on the BBB and Trustpilot to identify positive and negative themes.
What Customers Like
- Reliable service: A policyholder appreciated the quality of service that Allstate provided following fire damage to their home.
- Attentive agents: Many customers, such as this one, praised the company’s agents for being well-informed.
What Customers Don’t Like
- Long claims process: A customer complained about the insurance company’s claims process taking too long.
- Insufficient coverage: Many policyholders, including this customer, were upset by what they considered Allstate’s inadequate coverage for damage.
We reached out to Allstate for comment on its negative customer reviews but did not receive a response.
Progressive Renters Insurance
Our Pick for Bundling
3.5
Cost: 4.1
Availability and Ease of Use: 2.6
Brand Trust: 4.7
Coverage: 2.5
Our Rating
Our Review
A.M. BestA+J.D. Power804/1000
Pros and Cons of Progressive
Pros Provides a discount on bundling policies Offers endorsem*nts for natural disasters Features online resources for renters seeking assistance with the insurance process Cons Received a below-average score for customer satisfaction on the 2023 J.D. Power survey Coverage options might vary depending on the underwriting company
Why We Chose Progressive
Progressive can make the purchasing process easy for Texas renters who want to bundle renters insurance with other policies, such as auto coverage. The insurer offers a multi-policy discount and lets you choose your bundle when you start the quote process. It also provides endorsem*nts for natural disasters that could benefit renters in the state.
However, Progressive received a below-average score on J.D. Power’s 2023 customer satisfaction study, indicating potential issues with its customer support.
Discounts and Endorsem*nts
Progressive has several discounts to help policyholders lower the cost of their renters insurance policy, including:
- Multi-policy bundling
- Pay in full
- Quote in advance
- Receive documents by email
- Secure or gated community
The company only offers two options for endorsem*nts, based on our experience with the quote process.
- Personal injury
- Water backup
What Customers Think of Progressive
To better understand what customers think about Progressive’s customer service, our team read reviews on the BBB and Trustpilot and identified positive and negative themes.
What Customers Like
- Informed agents: Several customers, such as this one, commended the company for having well-informed agents who delivered the necessary details about policies and coverage.
- Cost-effective rates: A policyholder mentioned the insurer’s economical prices compared to competitors.
What Customers Don’t Like
- Website navigation: A policyholder complained about the insurer’s website providing inaccurate details and missing useful tools.
- Unwarranted policy changes: Some customers, such as this one, mentioned that Progressive changed their policy without notification.
We reached out to Progressive for comment on its negative customer reviews but did not receive a response.
American Family Renters Insurance
Our Pick for Customer Service
4.0
Cost: 4.5
Availability and Ease of Use: 5
Brand Trust: 2.5
Coverage: 3
Our Rating
Our Review
A.M. BestAJ.D. Power856/1000
MONTHLY COST$14.15
Pros and Cons of American Family
Pros High customer satisfaction score on J.D. Power’s customer satisfaction study Many discounts available to help lower costs Wide network of local agents Cons Does not offer a discount for having certain safety features Might charge a higher premium than some competitors
Why We Chose American Family
American Family received one of the highest scores in J.D. Power’s 2023 customer satisfaction study, making it an insurance option for renters looking for reliable service. Renters seeking an in-person buying experience may also benefit from its network of local agents, who can help you find the ideal coverage for your needs.
American Family has several discounts to help you save money. You can earn a discount if you choose paperless billing, enable automatic payments or make a full annual premium payment.
Discounts and Endorsem*nts
Texas renters may benefit from these discounts with American Family:
- Autopay
- Full payment
- Paperless billing
- Multi-policy bundling
- Generational
- Loyalty
- Smart home
The insurer provides these endorsem*nts:
- Diminishing deductible
- Home-based business
- Identity theft protection
- Pet insurance
- Travel protection
What Customers Think of American Family
To learn more about American Family, our team read through reviews on the BBB and Trustpilot and identified common positive and negative trends.
What Customers Like
- Service value: A policyholder praised the company’s comprehensive service, mentioning its cost-effectiveness and customer support.
- Expert agents: Several customers, such as this one, appreciated the insurer’s informed agents.
What Customers Don’t Like
- Policy termination: A policyholder expressed dissatisfaction with the insurer for canceling their policy after they made their payment.
- Insufficient coverage: A customer complained about the insurance provider’s failure to cover water damage.
We reached out to American Family for comment on its negative customer reviews but did not receive a response.
Nationwide
Our Pick for Valuable Endorsem*nts
4.5
Cost: 4.5
Availability and Ease of Use: 4.6
Brand Trust: 5
Coverage: 4
Our Rating
Our Review
A.M. BestAJ.D. Power852/1000
MONTHLY COST$13.83
Pros and Cons of Nationwide
Pros Offers many endorsem*nts Received an above-average score for customer satisfaction in the 2023 J.D. Power survey Provides a separate flood insurance policy Cons Must contact an agent for a quote Does not provide many discounts compared to some other companies on our list
Why We Chose Nationwide
Nationwide is our top choice for Texas renters who want extra insurance options to tailor coverage to their needs. The insurer offers endorsem*nts such as its Brand New Belongings coverage, which can help you replace damaged belongings based on their current market value.
However, the insurer does not offer many savings opportunities compared to some other options. You might also have to contact an agent for a renters insurance estimate.
Discounts and Endorsem*nts
Nationwide has few available discounts for renters. You might qualify for these discounts:
- Claims-free
- Multi-policy bundling
- Protective devices
The insurer offers several endorsem*nts for Texans, including:
- Earthquake
- New belongings
- Theft extension
- Valuables plus
- Water backup
What Customers Think of Nationwide
Our team analyzed Nationwide reviews on the BBB and Trustpilot to determine what customers like and dislike most about the company.
What Customers Like
- Straightforward claims process: Several customers, such as this reviewer, praised the company’s seamless claims process.
- Responsive customer service: Many policyholders, including this one, appreciated the insurer’s prompt customer service.
What Customers Don’t Like
- Issues with customer service agents: A reviewer was frustrated with Nationwide because agents failed to respond to his quote inquiry.
- High rates: Several customers, such as this one, were upset about a substantial hike in renewal policy costs.
We reached out to Nationwide for comment on its negative customer reviews but did not receive a response.
The Cost of Renters Insurance in Texas
According to data collected by Quadrant Information Services in 2023, renters insurance costs $158 per year or $13 per month on average in the state of Texas. The cost of your unique policy will differ based on the size of your rental, your specific location and any endorsem*nts or discounts that you select or are eligible for. Use the chart below to get an idea of the relative price of the top renters insurance providers in your state.
The cost of renters insurance can vary greatly based on your location and the amount of personal property coverage you need. Find out how much you can expect to pay in your area using the chart below before getting a quote from your preferred providers.
Texas’s Cheapest Renters Insurance Companies
Cost is a major factor when buying renters insurance, but it’s more important to get sufficient coverage for your needs. By doing so, you can save money in the long run by ensuring the protection of your belongings in the event of damage.
How To Save on Renters Insurance
You can save on renters insurance in Texas by reducing the risk of damage and comparing rates from different providers.
- Disaster-proof your property: Texas can experience various natural disasters, including hurricanes, tropical storms, floods, ice storms and other severe weather events. You might lower your premium if you take steps to protect your belongings against these disasters. For instance, you can ask your landlord to install storm shutters and impact-resistant windows to prevent damage.
- Improve your home’s security: Having burglar alarms and home monitoring systems might also lower your renters insurance rates. This step is more important if you live in an urban area such as Houston, which has a higher crime rate.
- Compare rates: Every insurance provider has different criteria for evaluating your risk profile, which is why we recommend you shop around and compare rates from at least three providers before buying a policy.
Common Renters Insurance Claims in Texas
Based on crime, weather and other data in the Lone Star state, we recommend renters add water backup, scheduled personal property, replacement cost and flood insurance coverage to their policies. Here’s an overview of the common reasons for claims in Texas.
Theft
The most recent data from the Texas Department of Public Safety show that larceny and burglary together make up nearly 73% of all crimes in the state. To have robust protection against theft, you can add scheduled personal property and replacement cost coverage to your policy.
Scheduled personal property coverage will cover high-value items in your rental, including jewelry and expensive electronics. If you get replacement cost coverage, your insurer will pay to replace your items with newer ones without accounting for depreciation.
Weather-Related Events
Texans face a significant risk of weather-related events such as thunderstorms and hurricanes. Severe storms can cause heavy flooding, the damage from which is not covered by standard insurance policies. According to the Federal Emergency Management Agency (FEMA), more than 200,000 single-family homes in the state were affected by Hurricane Harvey.
Because a standard renters policy will not cover you against flood damage, consider purchasing a separate flood policy. A flood insurance policy generally protects the property structure and its electrical and other essential systems. But for renters, a policy may cover related damage to your belongings through content coverage. If you live in a high-risk zone, purchasing this policy is mandatory.
You can get flood insurance through a private insurer or the National Flood Insurance Program, managed by FEMA.
Water Damage
Depending on your policy, you might have coverage against damage due to burst pipes or a leaky roof. However, a standard renters policy will not cover damage to your items if a sump pump overflows or water backs up from a drain. You would need to purchase water backup coverage to protect against these instances. This endorsem*nt will cover your personal property and might also pay for cleaning costs.
Is Renters Insurance Worth It in Texas?
You may find it worth purchasing renters insurance in Texas because of the significant risk of natural disasters and the associated cost of replacing damaged or lost belongings. In addition to offering financial protection for your personal belongings, renters insurance also extends liability coverage if someone gets hurt in your home. You may also qualify for additional living expenses if you become displaced after a covered event. However, state law does not mandate that you have coverage as a renter. However, your landlord might require it as part of the lease agreement.
Savings With Insurance
Although you will pay a monthly premium, a renters insurance policy can help you save on replacement costs in the long run. Without coverage, you would have to pay out-of-pocket to replace your personal belongings in case of damage from severe weather events, fire, theft or vandalism.
In the table below, we list common causes of renters insurance claims and the cost of replacing sample belongings based on a policy with $30,000 in personal property coverage and a $1,000 deductible.
| Cause of Claim | Cost To Repair or Replace* | Cost with Renters Insurance |
| Burglary | $2,661 | $1,000 |
| Water damage | $1,300 | $1,000 |
*The cost to repair or replace an item is based on average figures and may vary depending on the extent of the damage and local market value.
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Frequently Asked Questions About Texas Renters Insurance
On average, renters insurance in Texas costs about $13 per month, based on data from Quadrant Information Services. However, you will likely pay different rates based on your unique situation. It’s important to get a quote directly from an insurance provider for the most accurate estimate.
Based on the providers we reviewed, State Farm and Allstate offer the cheapest option for renters insurance in Texas. Allstate premiums range around $11.25 whereas State Farm costs $12.08, based on quotes from Quadrant Information Services. However, you should get a quote from at least three different insurers to find the best deal possible.
Texas law does not require renters to purchase coverage in the state. However, your landlord might mandate that you have a policy to qualify for a lease.
The most common coverage amount for a renters insurance policy is at least $30,000 in personal property coverage and $100,000 in liability coverage, according to the Insurance Information Institute (Triple-I). You can determine the right amount of coverage by considering the value of your personal items and how much replacements would cost.
Methodology: Our System for Ranking the Best Renters Insurance Companies in Texas
To identify the best renters insurance companies in Texas, we conducted a comprehensive analysis of 14 insurers. This involved gathering estimates for an apartment building in the state to understand the quote process, looking at customer reviews on third-party sites such as Trustpilot and the BBB, and assessing discounts and endorsem*nts based on the specific needs of Oregon renters.
We then rated the providers based on these factors:
- Cost: 40%
- Availability and ease of use: 25%
- Coverage: 20%
- Brand trust: 15%
We update this data regularly so you can access the most up-to-date information. Read our full methodology to learn more.
AM Best Disclaimer
How We Gather Cost Data
We at the MarketWatch Guides Team gathered renters insurance quotes for the providers in this article using data from Quadrant Information Services. Quadrant is a leading source of property and casualty insurance solutions and data.
The sample renter our quotes are based on is a 30-year-old single male with good credit and no prior claims history. Our sample policies featured a $1,000 deductible and the following coverage and limits:
- Personal property: $30,000
- Loss of use: $9,000
- Liability: $100,000
- Medical payments: $1,000
For each provider, we gathered a quote for 50% of the ZIP codes in every state the provider is licensed in. We used the most populous ZIP codes for our study. We took the average of these individual quotes to calculate a national average premium per provider.
In some cases, cost data for a top renters insurance company isn’t offered in Quadrant’s database. To gather price information for these providers, we manually pulled quotes directly from insurers’ websites or representatives. We used the same sample homeowner demographics and comparable policy details for more than 20 ZIP codes across the U.S.
Our sample rates are for informational purposes only. Actual premiums will vary.
*AM Best rating accurate as of May 2024.AM Best disclaimer
If you have feedback or questions about this article, please email the MarketWatch Guides team ateditors@marketwatchguides.com.
Saad ImranAuthor
Saad Imran is a personal finance writer with expertise in insurance, loans, credit cards and mortgages. When not writing, he’s a cat enthusiast who loves playtime with his furry companion.
Tori AddisonEditor
Tori Addison is an editor who has worked in the digital marketing industry for over five years. Her experience includes communications and marketing work in the nonprofit, governmental and academic sectors. A journalist by trade, she started her career covering politics and news in New York’s Hudson Valley. Her work included coverage of local and state budgets, federal financial regulations and health care legislation.
