How Much Does Renters Insurance Cost in Fort Worth, TX?
Fort Worth pricing is near the national average. Updated for 2026.
Based on local labor rates, humid-subtropical climate conditions, and Fort Worth's defense-manufacturing-logistics economy.See our methodology
Renters Insurance Pricing in Fort Worth, TX
Fort Worth offers near-average pricing for renters insurance, making it a reasonable market for this service. The local defense-manufacturing-logistics economy supports a competitive labor pool, and the city's 935K population base ensures you can find multiple qualified providers to compare quotes.
Local climate plays a direct role in renters insurance costs here. Severe thunderstorms and occasional hail create periodic surges in roofing and auto body demand.
Market-specific factors matter in Fort Worth: growing suburb of Dallas-Fort Worth metro; slightly lower rates than Dallas proper with similar quality.
Fort Worth has moderate permitting requirements. Depending on the scope of your renters insurance project, you may need local permits. A licensed contractor will handle the permitting process as part of the job in most cases.
Fort Worth vs National Average
What Affects Renters Insurance Cost in Fort Worth?
Coverage
$20K personal property: $12-$20/mo. $50K: $18-$30/mo. $100K: $25-$45/mo
Location
Low-crime area: $10-$20/mo. High-crime urban: $20-$40/mo
Fort Worth Market Conditions
growing suburb of Dallas-Fort Worth metro; slightly lower rates than Dallas proper with similar quality
Local Climate Impact
severe thunderstorms and occasional hail create periodic surges in roofing and auto body demand
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Top-Rated Renters Insurance Pros in Fort Worth, TX
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Tips to Save on Renters Insurance in Fort Worth
- 1.Bundle with auto insurance for 10-20% discount
- 2.Raise your deductible to $1,000 to lower premiums
- 3.Most people overestimate coverage needs — inventory your belongings first
- 4.Security features (deadbolts, alarms) can earn discounts
📈 Renters Insurance in Fort Worth Cost Trends (2020–2024)
Prices have increased +21.4% over the last 5 years
| Year | National Avg | YoY Change |
|---|---|---|
| 2020 | $14 | — |
| 2021 | $15 | +7.1% |
| 2022 | $16 | +6.7% |
| 2023 | $16 | +0.0% |
| 2024 | $17 | +6.3% |
Based on national averages adjusted for annual inflation. Actual costs vary by location and project scope.
💬 What Did You Pay?
Real costs reported by homeowners for Renters Insurance in Fort Worth
Recent Reports
Frequently Asked Questions
Is renters insurance worth it?
At $15-25/month, it's one of the best insurance values. A single theft or fire could cost thousands to replace your belongings.
Why does renters insurance cost different in Fort Worth than other cities?
Fort Worth's costs reflect local labor rates driven by the defense-manufacturing-logistics economy, humid-subtropical climate conditions that affect materials and scheduling, and moderate permitting requirements. The competitive labor market also influences competitive pricing.
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