How to think about renters insurance in Texas: what to buy and why
Updated May 21, 2026 — PolicyChat refreshes this page when new state DOI filings post.
For most Texas renters, $30K personal property + $100K liability is enough. Lemonade typically files lowest at $12-18/mo; the bundled-with-auto play is the next consideration if you have an auto policy with State Farm or Allstate.
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How PolicyChat sources this data
PolicyChat Rate Authority aggregates three public + licensed sources, with per-record provenance. Every rate cited on this page links to its source filing.
- State DOI / SERFF filings — public rate filings, refreshed daily.
- NAIC published averages — annual state aggregates (currently 2023, latest released).
- Licensed partner feeds (EverQuote, LendingTree) — real-time per-profile quotes when a user walks through Sage.
Methodology: /methodology/rate-authority/
How to think about this
Texas is a file-and-use state with one of the most carrier-competitive auto markets in the country. The Texas Department of Insurance doesn’t pre-approve rate changes — carriers file and the rates are effective immediately unless TDI later orders a hearing.
Texas-specific things to know
- File-and-use means rate changes are effective on filing, not after regulator approval.
- Hailstorm losses on the Caprock + I-35 corridor drive home rates; Houston/Galveston wind exposure drives coastal rates.
- Texas requires only $30K/$60K/$25K auto liability — well below the national norm of $50K/$100K.
When the recommendation changes
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