As an apartment renter in Houston, Texas, you'd be wise to identify the best renters insurance companies in the area to ensure you've properly protected your belongings. Thankfully, other renters have done the hard work for you. In the table below, you can find the 10 best renters insurance companies in Houston, along with rates from six of the top 10 companies.
Houston is one of the more expensive cities for renters insurance in Texas, which is why it's important to shop around for renters insurance to make sure you get the cheapest rates. Renters insurance protects you from unexpected events such as fire, theft, water damage, smoke damage, visitor injuries, etc. So, if you rent an apartment, house or condo, it's good to have a renters insurance policy to cover your personal belongings as well as additional living expenses if your home becomes uninhabitable. The renters policy will also offer liability coverage and pay for medical expenses if someone is injured on the property.
Although renters insurance is not legally required in Houston, your landlord can still ask to make a renters insurance policy a mandatory requirement. But even if it's not required, it's a good idea to have it because you'll be financially and legally protected in an accident that could cost you thousands of dollars.
It is important to know as much as you can about your renter's insurance company before taking out a policy with them. Talking to a local, experienced insurance agent can help answer any questions you may have. Some questions to consider asking include, "What is the average cost for your renter's insurance coverage?" "Does my policy cover things such as water damage and bodily injury?" and "What are my coverage options and my coverage limit?" Did you know that renters insurance is very affordable? Renters insurance in Houston costs an average of $23.59 per month for the best companies.
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On this page you’ll find:
- Best renters insurance companies in Houston
- Average renters insurance rates in Houston
- Average rent cost in Houston
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Who are the best renters insurance companies in Houston?
The top 10 renters insurance companies in Houston are listed in the table below. The rankings were exclusively determined by Clearsurance customer reviews as of July 2019. Customers rate their insurance companies based on their overall experience with the company, the insurer's customer service, and the policyholder's likeliness to renew and recommend their renter's insurance company.
In order to qualify for this list of the best renters insurance companies in Houston, companies need at least 25 renters insurance reviews and must sell renters insurance in Texas.
| Ranking | Best Houston renters insurance | # of reviews | Company rating |
|---|---|---|---|
| 1 | Lemonade | 223 | 4.78 |
| 2 | USAA* | 399 | 4.77 |
| 3 | Geico | 732 | 4.22 |
| 4 | State Farm | 1,363 | 4.22 |
| 5 | Nationwide | 164 | 4.13 |
| 6 | Allstate | 816 | 4.12 |
| 7 | Liberty Mutual | 221 | 4.09 |
| 8 | Farmers Insurance Group | 203 | 4.08 |
| 9 | AAA | 122 | 4.03 |
| 10 | Travelers | 98 | 4.01 |
*USAA is only available to active and former military members and their families.
1. Lemonade
The best renters insurance company in Houston is Lemonade, according to consumers. This modern insurance company uses artificial intelligence, allowing you to get a quote almost instantly. You can sign up for a policy online and if you have a claim you can report it in Lemonade's mobile app and, often times, receive payment in minutes.
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2. USAA
USAA is a popular insurance company among consumers, but unfortunately, it's only available to active and former military members and their families. Customers favor USAA's customer service and prices. Plus, USAA renters insurance policies include flood and earthquake coverage in its standard policy, which you typically need to purchase separate coverage for.
3. Geico
According to consumer reviews, Geico earned the No. 3 spot for best renters insurance in Houston. However, Geico is a little different than the other insurance companies on this list. Geico sells renters insurance policies through other licensed companies, such as Assurant. You can still bundle your Geico car insurance with renters insurance to earn a discounted rate.
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4. State Farm
State Farm is the most reviewed renters insurance company on Clearsurance and has a 4.22 rating out of 5. You can protect your personal belongings (such as your furniture and TV) with renters insurance from State Farm. You may also qualify for savings if you bundle your renters insurance with other State Farm products.
5. Nationwide
Nationwide is another company that's well rated by its customers for renters insurance. To save money on a Nationwide renters insurance policy, the company offers a multi-policy discount, protective device discount, and claims-free discount.
6. Allstate Insurance
Allstate is another highly rated option for Houston renters insurance. You can qualify for certain discounts with Allstate if you've been claim free before switching to Allstate. Allstate also offers a bundle with car and renters insurance, which can save you money on both policies.
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7. Liberty Mutual
Liberty Mutual is ranked No. 7 on the list of best renters insurance in Houston. If you have auto insurance through Liberty Mutual, you can bundle your renters insurance along with it to receive a discounted price.
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8. Farmers Insurance Group
Farmers comes in at No. 8 for our top Houston renters insurance companies. You can get an insurance quote for a Houston apartment on the company's website in just minutes. If you purchase a policy for your Houston apartment, you can also earn discounts if you have multiple Farmers policies such as car, life or umbrella along with renters insurance.
9. AAA
AAA places at No.9 on our list for best renters insurance in Houston according to consumer reviews. AAA is best known for its roadside assistance program, but it also offers renters insurance that’s highly regarded by customers.
10. Travelers
Travelers earned a 4.01 out of 5, ranking it 10th among the best renters insurance companies in Houston. When you bundle your Travelers auto insurance policy with renters insurance, you can save up to 5 percent on your auto insurance policy.
How much does renters insurance cost in Houston?
The cost of renters insurance in Houston averages $23.59 per month among the highest rated insurance companies. The cost of renters insurance in Houston is based on a number of factors, such as where you live, how much renters coverage you need and the company you select.
In the table below, you can see the average Houston renters insurance rates from six of the top companies in the city.
| Insurance company | Monthly cost with a $500 deductible |
|---|---|
| Lemonade | $17.50 |
| Travelers | $22.00 |
| State Farm | $22.04 |
| Farmers Insurance Group | $25.67 |
| Geico* | $26.34 |
| Allstate | $28.00 |
To retrieve these quotes, we used a profile of a 25-year-old single male renting an apartment in Houston with no roommates or pets with a policy beginning in June 2019. The policies include $20,000 in personal property coverage ($30,000 for Travelers because that is the minimum required by the company), $100,000 in personal liability and $1,000 in medical payments to others. The policies have a $500 deductible. Your rates may vary depending on your characteristics and coverage. We were unable to retrieve quotes from USAA, Liberty Mutual, Nationwide, and AAA.
*Geico sells renters insurance through other licensed insurance companies. The Geico quote listed is for coverage from Assurant Group.
How much does rent cost in Houston?
The average cost of rent for an apartment in Houston is $1,092 per month, varying on the location and size. Houston is the fourth most populous city in the nation and the largest in Texas with about 2.5 million residents.
The monthly price for rent varies on the location in Houston. For example, the average cost to live in Woodglen Village is $717 a month when compared to living in Stoneway Village for $962. The most expensive area in Houston is the downtown area with an average rent cost of $1,976 per month.
It is important to know all that you can before taking out a renters insurance policy. Learn about the insurance company and the protection that their policies offer before making a final decision. Know and understand your policy limits and ask about what additional coverages you can add to your protection.
While we all want the most affordable renters’ insurance, it is important not to sacrifice the quality of your protection just to save some money. Talk to a local insurance agent about what insurance company is right for you, and what coverages they offer.
Renters insurance is an important factor to consider purchasing when living in Houston. For about the monthly cost of a subscription to Netflix, you can be protected from unexpected losses like if your items were destroyed in a fire, or stolen or damaged in a break-in. For the most updated list of the best renters insurance companies in the state, you can visit our best Texas renters insurance companies rankings page.
Recap: Best renters insurance in Houston
- Lemonade: Best renters insurance for non-military members in Houston
- USAA: Best renters insurance for military members in Houston
- Geico: Best renters insurance in Houston
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The content on this site is offered only as a public service to the web community and does not constitute solicitation or provision of legal advice. This site should not be used as a substitute for obtaining legal advice from an insurance company or an attorney licensed or authorized to practice in your jurisdiction. You should always consult a suitably qualified attorney regarding any specific legal problem or matter. The comments and opinions expressed on this site are of the individual author and may not reflect the opinions of the insurance company or any individual attorney.
