How much is renters insurance in Pasadena, TX

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Your renters insurance premium could be higher or lower depending on the coverage and liability limits you select. Purchasing renters insurance is a good idea, as it helps protect your personal property from damage or loss due to events like fire, smoke, theft and vandalism.

After carefully evaluating renters insurance companies, we’ve compiled a list of the most affordable insurers for Pasadena renters. Keep reading to learn which insurers offer the lowest rates in Pasadena

Key Takeaways

Renters insurance in Pasadena costs an average of $271 per year or $23 monthly.
Progressive offers the cheapest renters in Pasadena, with a monthly premium of $20.
Renters can save more on insurance by taking advantage of discounts, including those for having 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 carrier and the coverage limit you select. 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 more in your monthly premium.

You’ll need to decide on the coverage that best fits your needs and budget. However, 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 renters insurance cost in Pasadena is $197 per year for a $500 deductible and $20,000 as personal property coverage.

A deductible is an amount you agree to pay before your insurance coverage kicks in. If you increase your deductible limit, your insurance cost will go down. For instance, if the personal property coverage is the same, i.e., $20,000, but you increase your deductible limit from $500 to $1,000, you will pay $17 less every year for insurance.

Below are the renters insurance rates for different personal property coverage and deductible amount.

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

Read our guide to know what does renters insurance cover.

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.

After evaluating renters insurance quotes from all the national and regional insurance companies in Pasadena, the experts at Insure.com put together a list of the most affordable insurance carriers.

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

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

Tips for lowering the cost of renters insurance

Follow these tips to reduce the cost of your renters insurance in Pasadena:

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

Increase your deductible: Opting for a higher deductible can lower your premium in Pasadena, but make sure you’re comfortable with the potential out-of-pocket costs if you file a claim.

Choose the right coverage amount: Review your renters insurance policy regularly to ensure you aren’t paying for unnecessary coverage, such as excess personal property coverage if you don’t own many valuables.

Avoid filing too many claims: Filing frequent small claims can increase your rates. It might be worth paying for minor damages out-of-pocket instead of using your insurance.

Compare quotes: Don’t accept the first quote you get. Shop around and compare renters insurance rates from different insurers in Pasadena to find the best deal.

Final thoughts

Renters in Pasadena, TX 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 Pasadena 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.