How Much Does Renters Insurance Cost in Houston, TX?
Houston pricing is near the national average. Updated for 2026.
Based on local labor rates, humid-subtropical climate conditions, and Houston's energy-healthcare-aerospace economy.See our methodology
Renters Insurance Pricing in Houston, TX
Houston offers near-average pricing for renters insurance, making it a reasonable market for this service. The local energy-healthcare-aerospace economy supports a competitive labor pool, and the city's 2.3M population base ensures you can find multiple qualified providers to compare quotes.
Local climate plays a direct role in renters insurance costs here. Extreme heat drives high HVAC demand; hurricane season affects roofing and water damage costs.
Market-specific factors matter in Houston: no state income tax keeps overall costs lower; large contractor pool creates competitive pricing.
Permitting in Houston is relatively straightforward compared to many metros. While permits may still be required depending on the scope of your renters insurance project, the process is generally faster and less costly than in heavily regulated markets.
Houston vs National Average
What Affects Renters Insurance Cost in Houston?
Coverage
$20K: $10-$15/mo; $50K: $20-$35/mo
Location
High-crime adds 50-100%
Deductible
$500 vs $1,000 saves $3-$8/mo
Houston Market Conditions
no state income tax keeps overall costs lower; large contractor pool creates competitive pricing
Local Climate Impact
extreme heat drives high HVAC demand; hurricane season affects roofing and water damage costs
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Top-Rated Renters Insurance Pros in Houston, TX
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Tips to Save on Renters Insurance in Houston
- 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 Houston Cost Trends (2020–2024)
Prices have increased +18.8% over the last 5 years
| Year | National Avg | YoY Change |
|---|---|---|
| 2020 | $16 | — |
| 2021 | $17 | +6.3% |
| 2022 | $18 | +5.9% |
| 2023 | $18 | +0.0% |
| 2024 | $19 | +5.6% |
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 Houston
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 Houston than other cities?
Houston's costs reflect local labor rates driven by the energy-healthcare-aerospace economy, humid-subtropical climate conditions that affect materials and scheduling, and relaxed permitting requirements. The competitive labor market also influences competitive pricing.
Renters Insurance Cost in Nearby Cities
Popular Services in Houston
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