How much is renters insurance in Pasadena, TX

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In Pasadena, renters insurance costs an average of $271 per year for $40,000 in personal property coverage, $300,000 in liability coverage, and a $1,000 deductible, which is $45 more than the statewide average of $226.

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 Pasadena? We’ve compared the top companies to help you find the cheapest options.

Key Takeaways

The average cost of renters insurance in Pasadena is $271 annually or $23 monthly.
The cheapest option for renters in Pasadena is Progressive, offering coverage at $20 per month.
Renters can reduce their insurance costs by taking advantage of discounts, such as installing a security system or bundling policies.

What is the average cost of renters insurance per month in Pasadena?

On average, renters in Pasadena pay $23 per month for renters insurance, which is $4 more than the state average of $19. The policy includes $40,000 in personal property, $300,000 in liability protection and a $1,000 deductible.

The cost of renters insurance in Pasadena varies depending on your insurance company and the coverage limit you buy. Renters in Pasadena typically pay $15 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 $8 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 Pasadena by deductible?

The average cost of renters insurance in Pasadena is $197 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 $17 annually on your insurance.

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

Deductible	$20,000 personal property	$40,000 personal property	$60,000 personal property
$500	$197	$295	$386
$1,000	$180	$271	$359

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

Who offers cheap renters insurance in Pasadena?

Your search for affordable renters insurance ends here.

Progressive has the lowest rates in Pasadena, with an annual premium of $239 a year or $20 per month. Based on our data, Allstate and Nationwide also offer cheap rates.

Below, you’ll find the average annual and monthly rates for cheap renters insurance companies in Pasadena.

Renter insurance provider	Average annual rate	Average per month rate
Progressive	$239	$20
Allstate	$258	$21
Nationwide	$271	$23
State Farm	$305	$25
Texas Farm Bureau	$406	$34
Farmers	$600	$50
USAA*	$157	$13

*USAA is only available to military community members and their families.

Tips for reducing the cost of renters insurance

Here are some tips to help reduce renters insurance costs in Pasadena:

Bundle insurance policies. If you have other insurance policies, such as car insurance, consider bundling them with the same insurer. Many insurers offer discounts for bundling in Pasadena.

Increase deductible. Opting for a higher deductible can lower your premium in Pasadena, but make sure you’re comfortable with the amount you’d pay out-of-pocket in case of a claim.

Choose the right coverage. Review your policy regularly to ensure you don’t have extra coverage. For example, you might not need as much coverage for personal property if you don’t own many valuables.

Avoid small claims. Filing too many small claims can increase your rates over time. Consider paying for minor damages out-of-pocket instead of claiming them through insurance.

Shop around. Don’t settle for the first quote you receive. Compare renters insurance quotes in Pasadena from multiple providers to find the best price for the coverage you need.

Renters insurance in Pasadena, offers valuable protection for renters at an affordable price. While premiums can vary depending on location, coverage amount and individual circumstances, the peace of mind it provides is worth the investment. By understanding your coverage needs, comparing quotes and taking advantage of discounts, you can find an affordable policy that suits your budget.

Methodology

Insure.com, with the help of Quadrant Information Services, gathered data for renters insurance rates in Pasadena in 2023 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.