San Antonio Renters Insurance

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

Written by Meg Stefanac
Written by Meg Stefanac

Financial blogger and business owner, Meg Stefanac, has more than 15 years experience working in the financial services industry and enjoys helping individuals make solid financial decisions. Meg has extensive experience writing about insurance and finances and is a key contributor to


Almost a quarter of Alamo City residents live in rented apartments. If you include the number of condo and traditional home renters, this figure would even be higher. Yet surveys have shown that only about one-third of renters bother to purchase rental coverage. San Antonio, TX renters insurance can be an affordable way to protect your belongings and finances.

San Antonio Renters Insurance Costs and Facts

  • Average U.S. rental insurance rates: Less than $200 a year
  • Increased risk of theft in rented homes: 50%
  • Value of average renter's personal property: $20,000
  • Increased risk of theft in rented homes: 50%
  • Local median apartment rent: $549 a month
  • Rate of apartment renters in Texas: 14%
  • Local rate of apartment renters: 24%

Your own premiums will depend upon a number of unique factors. These might include your exact ZIP code, the amount of belongings you need to cover and even the insurer you choose. In order to shop for the right coverage at the best price, you might take the following steps:

  • Determine the replacement value of your belongings.
  • Consider your earnings and other assets in determining how large your liability limits should be.
  • Shop around for coverage from a good quality insurer.

Ready to Save on Renters Insurance?

Our independent agents shop around to find you the best coverage.

Can you Find San Antonio Renters Insurance?

Rental policies are usually inexpensive when compared with other types of home policies. You might be able to reduce your rates even more by qualifying for common discounts:

  • Multi-Policy discounts: Many insurers offer bundling discounts. For example, you might insure your auto with the same insurer for a price cut.
  • 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. This might also lower the landlord's own insurance costs.
  • Billing choices: If you agree to pay for six months to a year in advance or set up automatic charges, you might get a discount.

Kinds of San Antonio Renters Insurance Coverage

You may choose to discuss some common policy options with a local agent. These may be included in a basic plan or selected as coverage options:

  • Personal property: This covers the belongings that you bring into your home. Consider the value of your music collection, audio system, laptop and furniture.
  • Home liability insurance: Visitors might claim that your actions, negligence or even your dog caused them an injury or property damage. This coverage can help pay damages or even defend you.
  • Loss of use: If your home becomes uninhabitable for a covered reason, you may have to move out quickly. This relocation assistance can help you find another place to live.

Basic policies exclude some types of hazards. Since San Antonio lies in a portion of central Texas known as Flash Flood Alley, you might need to purchase separate flood insurance. A local agent can help you find additional coverage and explain what your basic policy covers.

Who Should Buy San Antonio Renters Insurance?

If you do not have any other coverage for your personal possessions, renters insurance provides an affordable way to protect your belongings. And don't forget that you could be liable for damages if a visitor suffers injuries or damage while in your residence.

The landlord will not cover your losses in the event of a loss or claim against you, so make sure you're covered.


Ready to Save on Renters Insurance?

Our independent agents shop around to find you the best coverage.

Finding San Antonio Renters Insurance Quotes

It does not have to be hard to select the right coverage. A local member of the Trusted Choice network can answer your policy questions and help you compare quotes from a variety of highly rated companies.

Contact one of these member agents today so you can find the San Antonio renters insurance that fits your needs and budget.

Share this page on Twitter Share this page on Facebook Share this page on LinkedIn