Renters Insurance in Texas — Average Cost 2026
Average renters insurance in Texas: $325/year ($27/month). Texas ranks #47 out of 51 states — above the national average.
Average annual
$325
Average monthly
$27
National rank
#47
of 51 states
vs national avg
+23.6%
Texas vs national average
Get your personalized estimate
State averages are the starting point. Your actual rate depends on your individual profile. Use our calculator for a detailed estimate.
Renters insurance in Texas: storm risk
Renters in Texas pay around $27/month, 24% above the national average. Renters insurance covers your belongings and liability, but standard policies exclude flood damage — a real consideration in a hurricane-prone state like Texas, where wind-driven flooding can destroy furniture and electronics a standard policy won't touch.
If your rental is in a flood zone, ask your insurer about a separate NFIP or private flood policy for personal property. Otherwise, most policies still include $100,000 in personal liability and additional living expenses if a storm makes your unit uninhabitable.