Texas Renters Insurance

Are you looking for Texas renters insurance?

A Texas renters insurance quote through GEICO Insurance Agency can help you find coverage to protect your belongings and give you peace of mind.

If you're renting a house in Dallas, San Antonio, or anywhere else in Texas, renters insurance can help protect your possessions if they're damaged or stolen. In some cases, your landlord may require you to carry renters insurance as a condition of your lease. Renters insurance may also provide protection if a guest is injured in your apartment.

Renters insurance doesn't just apply to apartments. You may need renters insurance in Texas if you rent a:

  • Townhome in Fort Worth
  • Loft apartment in Austin
  • Highrise condo in Houston

What is covered by renters insurance in Texas?

Whether you're living in a studio apartment in Austin or a high-rise in Houston, renters insurance in Texas can protect you in a range of unexpected situations. Most policies the GEICO Insurance Agency can help you find include these four key coverages:

Coverage Type What It Covers Real-Life Example
Personal Property Helps pay to replace your belongings—like furniture, clothing, and electronics—if they’re stolen or damaged by a covered event. Someone breaks into your apartment and steals your laptop, phone, or TV.
Loss of Use Covers temporary housing, meals, and other living expenses if your rental becomes uninhabitable due to a covered claim. A fire damages your apartment and you need to stay elsewhere during repairs.
Personal Liability Protects you if you're legally responsible for someone’s injury or damage to their property inside your rental. A friend slips and falls in your apartment and sues you for medical bills.
Medical Payments to Others Helps cover medical costs if a guest is injured in your home—even if you're not at fault. A visitor trips over a rug in your hallway and needs urgent care.

Without renters insurance coverage, you'd be responsible for replacing your personal items or covering medical bills, even if the loss isn't your fault. The cost to replace these items or pay for medical costs out of pocket may be substantial.

Optional Coverages

You can personalize your Texas renters policy with these additional options:

  • Add a Rider: High-value items like jewelry or collectibles may exceed standard coverage limits. A rider can help protect them for their full value.
  • Personal Injury Protection: May cover legal fees and settlements if you're sued for slander or defamation.
  • Water Backup Coverage: Provides protection if water backs up through drains or sewers and damages your personal property.

How much does renters insurance cost in Texas?

The premium you will pay for renters insurance coverage in the state of Texas depends on the types and amounts of coverage you choose to buy and what deductibles you select. Our personal property calculator can help you personalize your renters insurance policy with what works for you based on your personal belongings. You can also create a virtual inventory list using our Personal Property Scanner in our app-GEICO Mobile. Then, check out how much you could save with renters insurance discounts in Texas. You may be surprised at how affordable a renters policy can be!

Ways to Save on Your Texas Renters Insurance with GEICO

GEICO offers discounts to renters in Texas so you can get the coverage you need at a price you can afford. Some discounts available in Texas are:

  • Bundling:  You could save money by bundling your Texas renters insurance with other coverages through GEICO.
  • Smoke Alarms: Texas renters with smoke detectors, sprinkler systems, and fire extinguishers in their homes could save on renters insurance.

Other reasons to have renters insurance in TX

While you may not be required by law to have renters insurance, your landlord may require it, and it can be a good way to help protect you and your possessions.

Here are a few more reasons to consider renters insurance:

  • Theft: Renters insurance in Texas can help replace stolen belongings — like electronics or furniture — if your unit is broken into, even in buildings with security features.
  • Fire and Smoke Damage: Although your landlord's insurance might replace the carpet, it won't replace your personal items. Texas renters insurance may help replace furniture, clothing, and electronics damaged by fire or smoke.
  • Water Damage: Similar to fire and smoke, your renters insurance may cover items destroyed by certain types of water damage.
  • Temporary Living Expenses: If your apartment is damaged due to a covered loss, you may need to find a place to stay. Some Texas renters insurance policies include coverage for hotel expenses if you can't use your apartment.
  • Liability Protection: Renters insurance can cover injury to another person on your property. It may also include medical payments coverage that pays for expenses of people who don't live with you, but who are injured in your apartment.
  • Inexpensive: Renters insurance in Texas can be very affordable, especially for people renting their first apartment. Different deductible levels can raise or lower the cost of your premium—consider what deductible you want to have. Higher deductibles can lower the cost of insurance, but consider how much you're willing to pay as a deductible if you were to have a claim.

Renters insurance is worth looking into to protect you and your possessions and could save you thousands of dollars--all for a lot less than you might think. Get a free renters insurance quote and get covered today.

Other Considerations: Extreme Weather Conditions in Texas

Texas is prone to extreme weather conditions, like tornadoes, floods, earthquakes, and more. It’s important to note that renters insurance covers property damage caused by high winds, but it generally doesn’t cover damages from floods or earthquakes. Protection from these events requires separate specialty insurance policies.

Renters Insurance in Texas FAQs

  • Is renters insurance required in Texas?

    Renters insurance is not required by law in Texas, but some landlords and rental agencies may require tenants to have it as part of the lease agreement. While not mandatory by state law, having renters insurance is highly recommended because it provides essential protection in the event of a covered loss.

  • How are renters insurance rates determined in Texas?

    Texas renters insurance rates are determined using many factors, including:

    • Location
    • Property type
    • Security features
    • Coverage amount
    • Claims history
    • And more
  • Does where I live in Texas affect how much I’ll pay for renters insurance?

    Yes. Your location within Texas—whether you’re in a coastal city, a rural area, or a major metro—can impact your renters insurance rate. The coverage limits you select also play a role in determining your premium.

  • What is not covered by Texas renters insurance?

    Coverage varies by policy and insurer, but Texas renters insurance policies typically do not cover:

    • Flood or earthquake damage
    • Roomate belongings
    • Pest infestations
    • Normal wear and tear
    • Pets
  • Is there a GEICO local agent near me I could speak to about a Texas insurance policy?

    GEICO has dedicated insurance agents across Texas and the US who can answer your renters insurance questions and help you find a policy that fits your needs.

  • Does Texas renters insurance cover belongings in a storage unit or while moving?

    Policies obtained through GEICO Insurance Agency may provide limited coverage for your personal belongings when they’re temporarily stored off-site or in transit. Be sure to review your policy documents to see what’s included.

Please note:

The above is meant as general information and as general policy descriptions to help you understand the different types of coverages. These descriptions do not refer to any specific contract of insurance and they do not modify any definitions, exclusions or any other provision expressly stated in any contracts of insurance. We encourage you to speak to your insurance representative and to read your policy contract to fully understand your coverages.

Renters coverages are written through non-affiliated insurance companies and are secured through the GEICO Insurance Agency, LLC.
The information you provide will be shared with our business partners so that they can return a quote.