Last updated:

Best Renter's Insurance Companies in Baytown

Our Recommended Top 4

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 Baytown Renter's Insurance Companies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.



4Top Picks

Learn about our selection process.


featured provider = Featured Provider

3413 Garth Road, Baytown, TX 77521
WebsiteLicense: 925710 Rating

Review Sources

5.0 (61)
5.0 (9)

Why choose this provider?

Paul Wankowicz has been providing insurance and financial services in Baytown since 2004 through his own State Farm office. His team has a combined experience of 50 years in the insurance industry. The insurance products it offers include renters', automotive, residential, property, commercial, and life and health coverage. Wankowicz also provides services with other financial matters including mutual funds, annuities, and banking. Paul's team has been awarded the State Farm Ambassador Travel, State Farm Chairman's Circle, and State Farm SVP Club.

  • Home and Auto Insurance

1023 Massey Tompkins, Ste B, Baytown, TX 77521
WebsiteLicense: 19706 Rating

Review Sources

4.6 (10)

Why choose this provider?

MG Insurance Agency LLC provides financial investment solutions to families and individuals in the Baytown metro and nearby areas. It helps tenants living in rental properties obtain renters' insurance plans to protect them from financial losses caused by events like theft and fire. The independent company offers personal liability, medical payment, personal possession, and additional living expense coverages. It represents various carriers, such as Progressive and Mercury Insurance Group. MG Insurance Agency also handles notary services.

  • Home and Auto Insurance

2951 Marina Bay Drive Suite 170, League City, TX 77573
WebsiteLicense: 2201271 Rating

Review Sources

4.9 (105)
5.0 (9)

Why choose this provider?

Tyler Landry is an insurance agent serving Baytown and the surrounding areas. He has worked at League City State Farm since 2017. One of the core products he offers is renters' insurance, which helps tenants and their personal belongings become financially covered and protected from various risks, such as damage, loss, and liability. Other insurance products he offers include auto, business, health, home, life, and property coverages. He also provides advice on annuities and banking.

  • Home and Auto Insurance

8105 Bayway Dr # B, Baytown, TX 77520
WebsiteLicense: 2465823 Rating

Review Sources

5.0 (87)

Why choose this provider?

MC Essential Services is an insurance service provider that serves clients throughout Baytown and the surrounding areas. It offers a wide range of insurance plans, including renters' insurance policies that help renters protect their belongings against water damage, storms, fire, and theft. The agency also provides life, auto, and homeowners' insurance plans and transfer title services. Founded in 2018, the company initially started as a life insurance agency. In 2019, the company transitioned into a full-fledged insurance company.

  • Multiple Policy Types
  • Home and Auto Insurance


  • Does the location of the rental property in Baytown affect renters' insurance rates?

    Yes, the exact location of the rental property in Baytown affects the renters' insurance prices. Policyholders should anticipate higher premiums if there is a high crime rate in the neighborhood. If the rental home is in an area with increased susceptibility to wind or hurricane damage, this heightened risk is also reflected in the cost of premiums. Other factors are the desired coverage amount, personal property value, deductible, and liability coverage.

  • Who is most likely to pay less for renters' insurance in Baytown?

    Renters who have not filed any insurance claims are typically eligible for lower insurance rates due to claim-free discounts offered by many insurance providers. Customers with credit scores above 700 are often quoted better rates than those with lower credit scores. Older renters usually enjoy lower premiums than younger ones for the same property. For instance, a college student seeking a renter's policy in Baytown may pay more than an older renter.

  • What liability protections are included in a renters' insurance policy in Baytown?

    A renters' insurance policy in Baytown extends protection to the policyholder and their family against property damage or bodily injury claims for which they may be legally responsible. If a covered loss leads to a lawsuit, the policy includes legal defense up to the chosen limit. Moreover, policyholders can add medical payment coverage, covering medical expenses for a visitor injured on the property, irrespective of who is at fault.

  • How can Baytown residents with existing insurance policies save on renters' insurance?

    Baytown residents can save on renters' insurance by bundling it with their current plans. Insurers in the area typically offer discounts when renters' insurance is combined with auto or other types of coverage, which could be as much as 25%. This method not only lowers the total premium costs but also simplifies the paperwork and tracking process.

  • How can Baytown residents determine their ideal renters' insurance coverage?

    Residents of Baytown can calculate their ideal renters' insurance coverage by compiling a detailed inventory of their household items. This list should include all significant home purchases and irreplaceable belongings such as furniture, collectibles, musical instruments, clothes, and gadgets. Insurers need this inventory, along with the client's social security number and address, when providing a quote.

Related Articles


Survey: COVID-19 Pandemic Leads to Surge in Demand for Renters Insurance

We surveyed 1,000 renters in the U.S. to see how the pandemic changed their thoughts about renters insurance, what they look ...