How Much Does Renters Insurance Cost in Waco, TX?
Waco pricing is 18% below the national average. Updated for 2026.
Based on local labor rates, varied climate conditions, and Waco's diversified economy.See our methodology
Renters Insurance Pricing in Waco, TX
Waco is one of the more affordable markets for renters insurance, with costs running about 18% below the national average. The city's diversified economy and balanced labor market create favorable conditions for competitive pricing. Getting multiple quotes from the 140K-population metro area is straightforward.
Local climate plays a direct role in renters insurance costs here. Extreme heat drives heavy HVAC demand; severe storms create periodic repair surges.
Market-specific factors matter in Waco: no state income tax in many Southern states helps keep overall costs lower.
Waco 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.
Waco vs National Average
What Affects Renters Insurance Cost in Waco?
Coverage
$20K: $10-$15/mo; $50K: $20-$35/mo
Location
High-crime adds 50-100%
Deductible
$500 vs $1,000 saves $3-$8/mo
Waco Market Conditions
no state income tax in many Southern states helps keep overall costs lower
Local Climate Impact
extreme heat drives heavy HVAC demand; severe storms create periodic repair surges
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Top-Rated Renters Insurance Pros in Waco, TX
6 providersQuality HVAC Solutions
🏆 SPONSOREDServing Waco and surrounding areas since 2012. Licensed, insured, and committed to quality workmanship at fair prices.
Patriot Contractors
⭐ PREMIUMServing Waco and surrounding areas since 1994. Licensed, insured, and committed to quality workmanship at fair prices.
First Choice Contractors
⭐ PREMIUMServing Waco and surrounding areas since 2017. Licensed, insured, and committed to quality workmanship at fair prices.
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Tips to Save on Renters Insurance in Waco
- 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 Waco Cost Trends (2020–2024)
Prices have increased +14.3% 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 | $16 | +0.0% |
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 Waco
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 Waco than other cities?
Waco's costs reflect local labor rates driven by the diversified economy, varied climate conditions that affect materials and scheduling, and moderate permitting requirements. The balanced labor market also influences competitive pricing.
Renters Insurance Cost in Nearby Cities
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