How much is renters insurance in Pasadena, TX

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In [city_name/], [state_abbr/], renters insurance costs an average of [avg_annual_rate/] per year for $40,000 in personal property coverage, $300,000 in liability coverage, and a $1,000 deductible which is that’s [difference/] the statewide average of [state_avg_number/].

It can be higher or lower depending on the coverage limit you choose and the amount of liability the policy provides. If you rent, you should consider buying renters insurance because it protects your personal belongings from damage caused by covered perils such as fire or smoke damage, theft, vandalism and other mishaps.

Looking for affordable renters insurance in [city_name/]? We’ve compared the top companies to help you find the cheapest options.

Key Takeaways

Renters insurance costs an average of [avg_annual_rate/] per year or [avg_monthly_rate/] per month in [city_name/].
[first_cheapest_company/] has the cheapest renters insurance for [city_name/] renters at [first_cheapest_per_month_avg_rate/] per month.
Taking advantage of discounts, such as having a security system or bundling renters insurance with other insurance policies, can help reduce your insurance premiums.

What is the average cost of renters insurance per month in [city_name/]?

On average, renters in [city_name/] pay [avg_monthly_rate/] per month for renters insurance, which is [difference_monthly/] the state average of [state_avg_monthly/]. The policy includes $40,000 in personal property, $100,000 in liability protection and a $1,000 deductible.

The cost of renters insurance in [city_name/] varies depending on your insurance company and the coverage limit you buy. Renters in [city_name/] typically pay [avg_monthly_rate_200/] monthly for $20,000 in personal property coverage and a $1,000 deductible. If you decide to increase your coverage to $40,000, you’ll see an increase of [difference_400_200/] in your monthly premium.

Choosing higher coverage limits is a good idea if you own valuable items like jewelry, electronics, or furniture.

How much is renters insurance in [city_name/] by deductible?

The average cost of renters insurance in [city_name/] is [avg_annual_rate_200_500/] annually for a $500 deductible and $20,000 in personal property coverage

Your deductible is the amount you must pay out of pocket before your insurance kicks in. If you raise your deductible, your premiums will decrease. For example, if you maintain $20,000 in personal property coverage but increase your deductible from $500 to $1,000, you’ll save [ded_difference/] annually on your insurance.

Below, you’ll find average renters insurance premiums for different personal property coverage and deductible amounts.

[tbl_renters_city_data_by_coverage]

Note: Liability coverage is set at $100,000.

Who offers affordable renters insurance in [city_name/]?

[first_cheapest_company/] provides the cheapest rates in [city_name/], with an annual premium of [first_cheapest_annual_avg_rate/] or [first_cheapest_per_month_avg_rate/] per month. [second_cheapest_company/] is the second-cheapest company, followed by [third_cheapest_company/].

Below is a list of the cheapest renters insurance companies and their average annual and monthly rates.

[tbl_renters_city_data_by_company]

Tips for reducing the cost of renters insurance

Below are some tips to help you save on renters insurance in [city_name/]:

Bundle policies. If you have other policies through the same insurer, such as car insurance, bundling it with the same provider can often earn you a discount. Many insurers in [city_name/] offer savings for bundling policies.

Increase your deductible. Choosing a higher deductible can lower your premium, but ensure you’re prepared to cover the higher out-of-pocket costs if you need to file a claim.

Choose the right coverage amount. Regularly review your renters insurance to avoid paying for more coverage than you need. For example, you might opt for lower personal property coverage if you don’t own high-value items.

Limit small claims. Filing multiple small claims can drive up your rates. Consider paying for minor damages yourself to keep your premium low.

Shop around for quotes. Don’t settle for the first offer. Compare renters insurance rates from multiple providers in [city_name/] to find the best coverage at the lowest price.

Renters in [city_name/], [state_abbr/] should purchase renters insurance to protect their personal belongings, provide liability coverage, and cover additional living expenses if their rental becomes uninhabitable due to a covered event. Premiums may differ based on location, coverage amount and individual circumstances, but the peace of mind it offers is worth the investment. You can get an affordable policy that fits your budget by assessing your coverage needs, comparing quotes and taking advantage of available discounts.

Methodology

Insure.com, with the help of Quadrant Information Services, gathered data for renters insurance rates in [city_name/] for $40,000 personal property coverage, $300,000 liability coverage, and a $1,000 deductible. The data presented are those with a good credit tier alignment.

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Shivani Gite

Contributing Writer

Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions.