Cost & Coverage
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Find the best renters insurance in Houston for the most affordable way to protect your belongings.
Houston is one of the nation’s largest metros — and the most populated city in Texas, a large and crowded state. If you’re one of the 2.3 million Houstonians and you’re renting, it’s important to carry the right renters insurance.
|Insurance Company||Monthly Cost - $500 Deductible||Monthly Cost - $1,000 Deductible|
Methodology: We pulled renters insurance quotes online from five of the most popular insurance companies: State Farm, Lemonade, Allstate, Travelers and Stillwater. Quotes were for policies with $500 and $1,000 deductibles for a 30-year-old male apartment renter. We deferred to the most comparable coverage amounts when identical policies were unavailable. N/A denotes quotes were not available online.
|Medical payments to others||$1,000||$1,000||$1,000||$1,000||$1,000|
Renters insurance covers more than just your stuff. Here’s a rundown of the basic components of a renters policy.
For a deep dive on what renters insurance covers, head here.
You are not legally required to have renters insurance by the city of Houston. However, a Houston landlord has the right to require renters insurance of tenants. Check if your prospective landlord requires renters insurance before signing a lease. If they don’t, renters insurance is still a good idea. Otherwise, you’re on the hook for the full cost of replacing your belongings if an accident happens or disaster strikes.
Renters insurance covers the cost of replacing your stuff if it’s destroyed, damaged or stolen — and Houston, like every city in the U.S., isn’t insulated from these crimes. In 2016, Houstonians reported 18,488 burglaries, 69,630 thefts and 668 instances of arson, according to data from the Houston Police Department compiled by the FBI’s Crime Data Explorer.
Houston was also among the cities hit hardest by Hurricane Harvey in 2017. The city received 32 to 46 inches of rain during the ordeal, per the National Centers for Environmental Information. Standard renters insurance doesn’t cover flooding. It might cover some damage associated with hurricanes. For instance, you could have coverage for damage caused by heavy winds. But if you’re a renter in Houston, you might also want to add flood insurance to your financial protection plan.
Houston tenants looking for more resources on renting and their rights should visit the following:
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