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2025

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Best Renters Insurance Companies in Houston, TX

Our Recommended Top 7

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Houston renters insurance companies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

820Reviewed

494Curated

7Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Best Renters Insurance Companies Serving Houston
6161 Savoy Drive Suite 960, Houston, TX 77036
Visit WebsiteLicense: 1789009

Expertise.com Rating

Review Sources

Google
4.9 (1846)
Facebook
4.6 (143)
Yelp
4.0 (16)

Why choose this provider?

Texan Insurance has been offering its products and services within the Houston area and nearby communities since 1985. Its staff provides coverage for the personal belongings, electronics, and valuables of renters and homeowners in case of damage or loss due to weather, hazards, and theft. The agents also protect clients from liability due to accidents or mishaps that happen on their property. Texan Insurance offers similar products, supported by at least 40 local carriers, for vehicle, business, and rental property owners.

  • Multiple Policy Types

Best Renters Insurance Companies Serving Houston
1923 Washington Ave. Ste 2250, Houston, TX 77007
Visit WebsiteLicense: 2207014

Expertise.com Rating

Review Sources

Facebook
5.0 (10)
Google
5.0 (2)

Why choose this provider?

Worthy Insurance caters to individuals and families throughout Houston and nearby locations. Its team assists renters and homeowners by linking them with insurance carriers such as Safeco, Velocity, and The Hartford in providing protection for their belongings, furniture, and valuables against natural disasters, break-ins, and vandalism. It also provides commercial auto, property, and general liability insurance for business owners who are looking for similar coverage. Its other personal products involve medical care and financial preparation against illnesses, disabilities, and death.

  • Multiple Carriers

Best Renters Insurance Companies Serving Houston
3401 Louisiana Street, Houston, TX 77002
Visit WebsiteLicense: 729892

Expertise.com Rating

Review Sources

Google
4.0 (225)
Facebook
5.0 (9)
Yelp
4.0 (6)

Why choose this provider?

David Cohen is an insurance agent under State Farm, and he caters to clients in Houston and the surrounding areas. He has been providing his services for 31 years, focusing on insurance products like auto, homeowners, life, and business. He also offers renters' insurance, which covers a client's personal belongings and provides coverage from losses in case of accidents, weather impacts, loss of use, or theft. In addition, he also offers banking products. He and his team cater to clients who speak Spanish.

  • Multiple Policy Types

Best Renters Insurance Companies Serving Houston
13624 Memorial Drive, Houston, TX 77079
Visit WebsiteLicense: 1546285

Expertise.com Rating

Review Sources

Google
4.0 (223)
Facebook
4.0 (14)
Yelp
4.0 (6)

Why choose this provider?

Memorial Insurance Agency, LLC is a family-owned, independent insurance firm located in Houston. For over 20 years, it has been providing its clients with risk management and protection, including renters' insurance. The company combines the personal touch of a family-run business with customized services and the full range of products of its partner insurance carriers. Memorial Insurance Agency is an H.K. Dent Elite Agency with Safeco, a Progressive Platinum partner, and a Sagesure Power-Up producer.

  • Multiple Policy Types

Best Renters Insurance Companies Serving Houston
10508 Airline Drive, Houston, TX 77037

Expertise.com Rating

Review Sources

Google
4.0 (102)
Yelp
1.0 (1)

Why choose this provider?

A-Best Insurance is a family-owned independent insurance agency that has been operating since 1999. Its bilingual staff members help clients in Houston obtain customizable renter's insurance plans, which protect belongings against theft, vandalism, and fire or water damages. It also offers coverage for temporary living expenses and legal defense costs in case of lawsuits or insured disasters. With access to multiple carrier partners, the company presents a variety of policy options and insurance products, such as flood and home insurance.

  • Multiple Policy Types

Best Renters Insurance Companies Serving Houston
2811 Airline Dr, Suite #4, Houston, TX 77009
Visit WebsiteLicense: 2068142

Expertise.com Rating

Review Sources

Google
5.0 (125)
Facebook
5.0 (32)

Why choose this provider?

Universal Auto Insurance is a non-affiliated agency located in Houston. It provides residents in the metro with a wide range of insurance products, from property, such as renters' and homeowners', to auto and commercial. It offers renters' insurance to clients who would like financial protection that covers their personal belongings and liability within a rented property. Universal Auto Insurance has been in the industry for more than a decade and represents more than 20 insurance carriers.

  • Multiple Carriers

Best Renters Insurance Companies Serving Houston
1414 S. Loop W Suite 140, Houston, TX 77054
Visit WebsiteLicense: 2390225

Expertise.com Rating

Review Sources

Facebook
5.0 (10)
Google
3.5 (8)
Yelp
5.0 (1)

Why choose this provider?

The Brandy Jackson Agency provides home and renters' insurance to the residents of Houston and in the surrounding areas. Its team of agents identifies the needs of individuals and businesses, and matches them up with the appropriate insurance solutions. In addition to home and renters', its products include auto, life, health, and builder's risk insurance. It also offers commercial general liability, worker's compensation, and business owner policies. The team has over 10 years of combined experience in the insurance industry.

  • Multiple Policy Types

Compare our Top Renters Insurance Companies

NameExpertise RatingAddressPromotionsLearn more
Texan Insurance
6161 Savoy Drive Suite 960, Houston, TX 77036
Worthy Insurance
1923 Washington Ave. Ste 2250, Houston, TX 77007
David Cohen
3401 Louisiana Street, Houston, TX 77002
Memorial Insurance Agency, LLC
13624 Memorial Drive, Houston, TX 77079
A-Best Insurance
10508 Airline Drive, Houston, TX 77037
Universal Auto Insurance
2811 Airline Dr, Suite #4, Houston, TX 77009
The Brandy Jackson Agency
1414 S. Loop W Suite 140, Houston, TX 77054

Houston, TX Renters Insurance FAQs

  • How does the cost of renters' insurance in Houston compare to other cities in Texas?

    Houston stands out as the costliest major city in Texas for renters' insurance, averaging $24 per month. Surrounding areas, such as Pasadena, similarly demand a monthly rate of about $24 while Corpus Christi has a rate of $21. In Arlington, renters typically pay an average of $19 per month.

  • Is flood damage covered by renters’ insurance in Houston?

    Most standard renters’ insurance plans in Houston do not provide coverage for damages caused by floods. To account for the frequent incidence of flooding in the city, renters can enhance their insurance to include protection against flood-related harm. Tenants can also purchase additional insurance via the National Flood Insurance Program to protect their belongings.

  • Why is renters’ insurance important to Houston residents?

    The prevalence of hurricanes in Houston is one of the reasons why residents must consider purchasing renters’ insurance. The city experiences a significant flood occurrence approximately every two years. Additionally, there are between 40,000 and 46,000 fire-related incidents annually. Houston also contends with roughly 47,000 instances of theft, burglary, and robbery each year.

  • What are the disadvantages of opting for lower premiums on renters’ insurance in Houston?

    Opting for a reduced premium implies that renters in Houston will have lower coverage limits. Coverage limits refer to the minimum amount of protection offered for a particular category or item specified in the insurance policy. Lower premiums might result in inadequate coverage for renters when they need to file a claim after experiencing a covered risk like theft, vandalism, or fire.

  • How does credit rating affect renters’ insurance costs in Houston?

    Houston renters' insurance shoppers with lower credit scores face an increase of up to 62% in their rates compared to those with higher credit scores. On average, individuals with poor credit pay around $492 annually, whereas those with average credit pay $366 per year. Renters with good credit scores pay an average of $303 per year.

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