How Much Does Renters Insurance Cost in Dallas, TX?
Dallas pricing is near the national average. Updated for 2026.
Based on local labor rates, humid-subtropical climate conditions, and Dallas's finance-tech-telecom economy.See our methodology
Renters Insurance Pricing in Dallas, TX
In Dallas, renters insurance costs are 2% above the national average, reflecting the city's finance-tech-telecom-driven economy. The competitive labor market means you have decent options when shopping for quotes. Most residents with a population base of 1.3M find the pricing competitive relative to the local cost of living.
Local climate plays a direct role in renters insurance costs here. Extreme heat in summer creates heavy HVAC demand; occasional severe storms drive roofing and restoration work.
Market-specific factors matter in Dallas: booming economy and population growth keep contractor demand high; no state income tax helps offset costs.
Dallas 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.
Dallas vs National Average
What Affects Renters Insurance Cost in Dallas?
Coverage
$20K: $10-$15/mo; $50K: $20-$35/mo
Location
High-crime adds 50-100%
Deductible
$500 vs $1,000 saves $3-$8/mo
Dallas Market Conditions
booming economy and population growth keep contractor demand high; no state income tax helps offset costs
Local Climate Impact
extreme heat in summer creates heavy HVAC demand; occasional severe storms drive roofing and restoration work
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Top-Rated Renters Insurance Pros in Dallas, TX
5 providersSummit Home Services
⭐ PREMIUMServing Dallas and surrounding areas since 2012. Licensed, insured, and committed to quality workmanship at fair prices.
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Tips to Save on Renters Insurance in Dallas
- 1.Bundle with auto for 10-20% discount
- 2.Increase deductible to $1,000
- 3.Create home inventory
- 4.Actual cash value is cheaper
📈 Renters Insurance in Dallas Cost Trends (2020–2024)
Prices have increased +25.0% over the last 5 years
| Year | National Avg | YoY Change |
|---|---|---|
| 2020 | $16 | — |
| 2021 | $17 | +6.3% |
| 2022 | $18 | +5.9% |
| 2023 | $19 | +5.6% |
| 2024 | $20 | +5.3% |
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 Dallas
Recent Reports
Frequently Asked Questions
How much?
$15-$30/month on average.
What is covered?
Personal property, liability, additional living expenses.
Why does renters insurance cost different in Dallas than other cities?
Dallas's costs reflect local labor rates driven by the finance-tech-telecom economy, humid-subtropical climate conditions that affect materials and scheduling, and moderate permitting requirements. The competitive labor market also influences competitive pricing.
Renters Insurance Cost in Nearby Cities
Popular Services in Dallas
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