Renters Insurance in Texas
Your landlord's policy covers the building, not your stuff. Renters insurance in Texas is one of the cheapest policies you can buy — usually $12–$25 a month in Houston or Austin — and bundling it with your auto often pays for itself.
What renters coverage includes
- Personal property against theft, fire, and water damage
- Personal liability if someone is injured in your unit
- Additional living expenses if your rental becomes unlivable
- Coverage for belongings even when they're away from home
- Multi-policy discounts when bundled with car insurance
Why use an independent agent
I'm not captive to one company. As an account executive with Goosehead Insurance, the #1 personal lines brokerage in Texas, I shop your policy across 150+ carriers, explain the trade-offs in plain language, and stay your single point of contact for renewals and claims.
Questions first? Call or text 346-333-0046.
Start your renters quote
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Renters insurance FAQs
How much is renters insurance in Texas?
Most Texas renters pay roughly $150–$300 a year, or about $12–$25 a month, for typical $20,000–$30,000 contents limits with $100,000 liability. Coastal counties and higher contents limits push it up modestly.
How long does it take to get renters insurance?
Usually minutes. Once I have your address, move-in date, and contents estimate, coverage can start the same day and I can send proof of insurance straight to your leasing office.
Does renters insurance cover water leaks or hurricane damage?
Sudden water damage — a burst pipe or an upstairs neighbor's leak — is typically covered. Wind damage from a hurricane is usually covered for your belongings, but rising water and storm surge are flood, which needs a separate flood policy.
Renters insurance across Texas
I'm licensed statewide (Texas License #3530322) and write renters insurance for clients in Houston, Dallas–Fort Worth, San Antonio, Austin, Corpus Christi, El Paso, Galveston, Lubbock, Amarillo, Waco, Beaumont, Laredo, Brownsville, Abilene, Midland, Arlington, Garland, and Plano — plus every town in between. Same application, same carrier panel, wherever you are in Texas.
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