From the bustling streets of Houston to the cultural hub of Dallas to downtown El Paso, Texas is a wonderful state to rent a home. You get the best of everything, but are you protecting your rental property and belongings in the best way possible? With Texas renters insurance from Nationwide, you can rest assured you will safeguard what's most important to you. Our insurance policies are flexible and dependable, and we offer renters insurance discounts to help members save even more. Get started on your renters insurance quote today.

Is renters insurance required in Texas?

While renters insurance is not required by law in Texas, some landlords may require it for you to live in their building. It’s generally a good idea to have at least some form of coverage as your landlord’s insurance won’t cover any damage to your personal property. So in the event of a fire, accident, or burglary you will be responsible for replacing your belongings.

Texas renters coverages and discounts
person shield

Renters insurance coverage

With Nationwide renters insurance coverage, you enjoy the security of knowing your belongings may be covered if stolen, damaged or destroyed.

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money

Discounts on renters insurance rates

Save money on Nationwide renters insurance coverage with these renters insurance discounts.

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Policy features that may meet the needs of Texas renters

Nationwide offers reliable renters coverage across Texas, including renters insurance in Houston, Dallas, San Antonio and more. Get affordable, reliable coverage that can be customized for your needs.
  • Valuables Plus®1 insurance may cover items such as jewelry, watches, antiques and fine art in the event of covered losses, including theft.
  • Medical payments renters insurance may cover others' medical expenses resulting from an accident on your property.

Nationwide agents throughout Texas are ready to assist you

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What factors go into determining a renters insurance rate?

While the average cost of renters insurance varies based on a number of components, these are common factors that insurance companies use to assess risk and determine your renters insurance rate:

Location

The location of the rental property includes state and ZIP code.

Coverage

The type of coverage you choose and how much personal property and liability protection you want your policy to cover.

Deductible

The amount of money you choose to pay out of pocket can affect your renters insurance premium.

Bundle insurance policies

Nationwide offers a variety of multi-policy discount options. Choosing to bundle auto and renters insurance from the same insurance provider can potentially lower your insurance premium.

What to consider when getting renters insurance in Texas

Texas is known to have extreme weather and can be prone to tornadoes and floods for certain periods of time throughout the year. While renters insurance covers damage to property as a result of high winds, any damage as a result of a flood or earthquake generally is covered under a different policy.

Get a free Texas renters insurance review

A Nationwide On Your Side® Review is a free, annual consultation and insurance assessment that can help you:
  • Increase or decrease your deductible(s)
  • Determine the home insurance coverage options that are right for your budget and situation. For instance, did you recently build a garage or gazebo you need covered? Have you installed a protective device that could qualify you for a discount? The On Your Side® Review is a great time to make these types of updates to your policy.
  • Review our responsive home insurance claim policy
Call Nationwide at 1-877-On-Your-Side and get your Texas renters insurance quote today.

Nationwide coverage in Texas

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[1] Valuables Plus is an optional feature. Exclusions and limits apply. Details vary by state and policy language. Please consult your policy for the specifics of your selected coverages.

Insurance terms, definitions and explanations are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in individual insurance contracts, policies or declaration pages, which are controlling. Such terms and availability may vary by state and exclusions may apply.