Renters Insurance Texas

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The average estimated cost of a rental insurance policy in Texas was $150 a year in 2013. Renters insurance is cheaper than most people realize; average homeowners insurance is $1070 a year in Texas

Comparing Renters and Owners Insurance in 2013 in Texas

In 2012, there were 204810 burglaries reported in Texas. The landlord's policy does not cover renter's damages like burglary, and to protect oneself from events like burglary, fire and similar disasters renters insurance is critical.

Renters Insurance Coverage Types:

Actual cash value policy:
The Actual cash value policy covers the depreciated value of loss. For example, a Camera bought for $2340 might be worth only $1170 in six months, and that is all one is going to get for it.

Replacement Coverage Policy in Texas:

Estimated Renters Insurance for Different House Types in Texas

House Type Median Rent Estimated Renters Insurance
Single Fam $1,300 $156
Duplex $1,020 $122
One Bed $910 $109
Two Bed $1,100 $132
Three Bed $1,250 $150
Four Bed $1,550 $186
Many Bed $2,000 $240

Deductibles in Texas:

An average of $16.5 can be saved on the insurance premium by choosing a $500 deductible over a $250 deductible.