Houston Renters Insurance

Houston, TX Renters Insurance Covers Your Home

(Learn how to find the right renters insurance for you.)


Even though the suburbs of the Bayou City seem to go on forever, well over a third of Houston's housing is provided by rental apartment units, and this figure does not include rented houses, condos, and mobile homes. If you rent your home, it is likely that you do not carry any form of renters insurance. In fact, only about 30 percent of this city's tenants carry a Houston, TX renters insurance policy.

Agents in the Trusted Choice® network can help you find a great policy at a rate that meets your budgetary needs. These independent insurance agents can provide you with professional advice and a variety of Houston renters insurance quotes to compare. Contact one of these agents today for more information.

Who Needs Houston Renters Insurance?

Everyone who rents a home should consider renters insurance. When you rent, you usually bring your personal belongings into the home. Considering the value of everything you own, from clothing to cookware to electronics, the total cost of replacing your possessions can be surprisingly high.

If your property is lost or damaged while in your home, due to something like a fire or a theft, your landlord is not responsible for compensating you for your losses. The Texas Department of Insurance strongly recommends that you consider renters insurance to protect your belongings.

What Does Houston Renters Insurance Cover?

A renters insurance policy can provide you with three types of coverage:

  • Personal property coverage: This covers the things you bring into your home, such as your music collection, audio system, laptop, and furniture. You will need to be sure to purchase enough coverage to replace these items. You may also be given a choice of what type of property coverage you would like to purchase:
    • Replacement cost: This covers your belongings at the actual price it would cost to buy them new.
    • Actual cash value: This covers your belongings at their actual, depreciated value. It provides less coverage but costs less.
  • Liability coverage: This provides coverage if a visitor to your home can claim that your actions, negligence, or even your pet caused an injury or property damage. This will cover any resulting costs as well as any necessary court costs and legal fees, up to the limits of your policy.
  • Loss of use coverage: If your home is severely damaged by a catastrophic event such as a fire, hurricane or tornado, it will likely be uninhabitable and you will need to move out quickly. This coverage provides relocation assistance, and can help you find another place to live.

Also be sure to ask your agent about excluded hazards. In Houston, floods are a major concern, but this damage is excluded from renters and homeowners insurance policies. Flood coverage must be purchased through the National Flood Insurance Program. Additionally, in some parts of Harris County, you may also need to purchase additional windstorm insurance.

Houston Renters Insurance Costs

  • The average renter owns $20,000 worth of personal property.
  • Average U.S. rental insurance rates are less than $200 a year.
  • Increased risk of theft in rented homes: 50%
  • Houston median apartment rent: $575 a month
  • Rate of apartment renters in Texas: 14%
  • Rate of apartment renters in Houston: 38%

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Houston Renters Insurance Is Inexpensive

Most people fail to purchase renters insurance because they wrongly assume that it will cost too much. The truth is, these policies are really quite inexpensive and can provide you with thousands of dollars in protection if you should become the victim of a burglary or suffer severe weather damage.

Most people pay less than $20 a month for their renters insurance policies. That is less than $1 a day, a small price to pay for the peace of mind a policy can bring you. You may even be able to get your policy at a lower rate by taking advantage of policy discounts that are frequently available. You may qualify for discounts for:

  • Opting for certain billing choices: If you agree to pay for six months to a year in advance, or set up automatic monthly payments, most insurance companies will discount your premium rate.
  • Multi-policy discounts: Many insurers offer bundling discounts. If you have a car or life insurance policy with the same company that provides your renters insurance, you can save about 20% on both policies.
  • Home safety systems: If your rented home does not already include burglar and fire alarms, you might see if your landlord would be interested in installing them. Landlords may also be able to save money on their own coverage when safety systems have been installed.

Start Comparing Houston Renters Insurance Quotes

If you are considering renters insurance, create a list of everything you keep in your rental unit along with its estimated value, and have it ready when you meet with or speak to an agent in the Trusted Choice network.

Member agents can help you determine how much coverage is suitable for you and can make finding the right policy an easy process. These agents can work with several different insurance providers to get you a variety of Houston renters insurance quotes that you can compare. Get in touch with a local agent today, to learn more about this important and inexpensive insurance coverage.

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