Texas Renters Insurance Calculator
Renters insurance in Texas provides vital financial protection for tenants. For approximately $23/month, an HO-4 policy safeguards your furniture, electronics, and wardrobe while protecting you from liability claims. Use the interactive calculator below to model your personal belongings and liability coverage in Texas.
Calculate Your Texas Renters Estimate
Pre-selected for Texas tenant rates. Adjust personal property valuation and liability limits below.
Rental Location & Belongings
* Renters rate results are modeled estimations for Texas tenants, not official insurance quotes.
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Learn about our independent valuation standards →Estimated Renters Insurance Range in Texas
Most tenants in Texas pay between $20 and $28 per month($240 to $336 annually) for comprehensive protection including \$30,000 in personal property coverage and \$100,000 in personal liability defense.
Affordable monthly budgeting for apartments, condos, and rented single-family houses.
Often discounted by 10% to 15% when bundled with an auto insurance policy.
What an HO-4 Policy Protects for Texas Tenants
Personal Property (Coverage C)
Reimburses replacement of clothing, electronics, laptops, couches, and beds if damaged by fire, smoke, theft, or burst pipes.
Loss of Use (Coverage D)
Covers temporary hotel bills, dining receipts, and temporary housing costs if your rental unit is rendered unlivable after an incident.
Personal Liability (Coverage E)
Protects your finances if a visitor trips and falls in your apartment, or if you accidentally cause water damage that affects neighboring units.
Medical Payments (Coverage F)
Pays small medical emergency expenses (typically $1,000–$5,000) for injured guests regardless of fault.
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Texas Renters Insurance FAQs
Clear, unbiased answers regarding insurance calculations, coverage factors, and rate dynamics.
How much is renters insurance in Texas?
Renters insurance in Texas averages approximately $23 per month ($276/year) for standard coverage with $30,000 in personal property and $100,000 in liability protection.
Can landlords legally require renters insurance in Texas?
Yes. Landlords and property management companies in Texas have the legal right to require tenants to carry a minimum of $100,000 in liability coverage as a condition of their residential lease.
Does renters insurance in Texas cover belongings outside my rental?
Yes. Standard HO-4 policies include worldwide personal property coverage. If your laptop or bicycle is stolen while at work, coffee shops, or traveling, it is covered up to off-premises policy limits.
Does renters insurance in Texas cover water damage from a broken pipe?
Yes. If a plumbing pipe freezes or bursts in your Texas apartment and ruins your furniture, electronics, or clothes, standard renters insurance pays to replace your damaged personal belongings (subject to your deductible).
What is "Loss of Use" coverage for tenants in Texas?
If a covered fire or storm makes your Texas rental unit temporarily uninhabitable, Loss of Use coverage pays for your hotel accommodations, temporary rental apartment, and additional food expenses while repairs are underway.