Texas Renters Insurance

Texas renters insurance coverages

Check out the four standard coverages on nearly all Texas renters insurance policies:

• Personal property protects your personal belongings, including furniture, clothing, and electronics, whether they're inside your apartment or elsewhere
• Loss of use helps cover costs associated with an increase in living expenses up to your policy's limit if you're unable to stay in your home while it's being repaired or rebuilt due to a covered loss
• Personal liability protects you financially if you're legally responsible for another person's injuries or damage to their property
• Medical payments to others pays for medical expenses due to a covered occurrence

Additional coverages

The best renters insurance in Texas is always a policy with customized coverage. Here are some extra options for when you need more protection:

• Add a rider: Certain valuable items, like jewelry, may have specific limits on your renters policy. If your item exceeds the limit, you may be able to purchase an endorsement called a rider for your policy to cover the item for its value.
• Personal injury coverage: May pay for legal fees and damages if you’re liable for slander or defamation.
• Water backup coverage: Water that backs up through sewers, or drains, or discharges from a sump pump may not be covered by a standard renters policy. Water backup coverage may pay for the damage to your belongings and water removal costs.

Learn more about all of our renters insurance coverages.

Is renters insurance required in Texas?

Texas state laws don't mandate renters insurance, but your landlord or the property management company may require it as part of your rental agreement. The good news is that renters insurance is usually affordable. In the event of a covered loss, it may cover your personal belongings and additional living expenses if you're forced to stay somewhere else while your residence or rental unit is being rebuilt or repaired.

Is renters insurance worth it in Texas?

Just because your landlord doesn't require renters insurance, it doesn't mean you should forego coverage. Renters insurance can help in many circumstances, such as:

• Some of your stuff gets stolen – the personal property coverage of your renters policy may be able to cover the loss of certain items if it's due to a covered event, such as theft.
• Your apartment building catches fire – your policy's loss of use coverage may pay for your hotel stay, and other costs associated with living elsewhere while your apartment is being repaired.
• A visitor gets injured at your residence, and you’re liable– the personal liability coverage on your renters insurance may pay for their medical bills and potential lawsuit costs. Your policy’s medical payments may pay for a friend’s medical expenses if they’re injured at your place, regardless of fault.

What does renters insurance in Texas cost?

While many components influence the cost of renters insurance, you can buy Texas renters insurance with Progressive for less than $1/day.^* Your location plays a big factor in the cost of your insurance, as do your coverage limits. A personal property calculator can help determine the amount the amount of coverage you may need to protect your belongings.

How can I save on renter’s insurance in Texas?

Progressive typically offers several renters insurance discounts to help lower the cost of your policy, such as living in a gated or secure community, quoting in advance, paying in full, or having multiple policies with Progressive.

There may also be discounts that are only available in your state or county. You can call 1-866-749-7436 to help ensure you're getting all discounts currently applicable to you and where you live, or talk with your agent.