How much is renters insurance in San Antonio, FL

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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 San Antonio renters. Keep reading to learn which insurers offer the lowest rates in San Antonio

Key Takeaways

The average cost of renters insurance in San Antonio is $225 annually or $19 monthly.
The cheapest option for renters in San Antonio is Nationwide, offering coverage at $12 per month.
Renters can reduce their insurance costs by taking advantage of discounts, such as discounts for installing a security system or bundling policies.

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

The average monthly cost of renters insurance in San Antonio is $19, which is $2 less than the state average of $21. This rate is for the coverage limit of $40,000 in personal property, $300,000 in liability protection and a $1,000 deductible.

Renters insurance rates vary by city depending on the coverage and the insurance company you choose. For example, renters in San Antonio pay $14 monthly for $20,000 in personal property coverage with a $1,000 deductible. If you increase your personal property coverage to $40,000, the cost will rise by $5 more.

You’ll need to determine the right amount of coverage based on your needs and budget. However, opting for higher coverage limits is recommended if you own valuable items like jewelry, furniture and electronics.

How much is renters insurance in San Antonio by deductible?

Renters insurance in San Antonio costs an average of $175 per year for a $500 deductible and $20,000 in personal property coverage.

The deductible is the amount you pay before your insurance coverage applies. By increasing your deductible, you can lower your insurance premium. For instance, raising your deductible from $500 to $1,000 will save you $11 annually.

The table below shows renters insurance premiums for varying personal property coverage and deductible amounts.

Deductible	$20,000 personal property	$40,000 personal property	$60,000 personal property
$500	$175	$245	$320
$1,000	$164	$225	$291

Read our guide to know what does renters insurance cover.

Who offers cheap renters insurance in San Antonio?

Your search for affordable renters insurance ends here.

Nationwide has the lowest rates in San Antonio, with an annual premium of $140 a year or $12 per month. Based on our data, Universal Insurance Holding and FedNat Holding also offer cheap rates.

After evaluating renters insurance quotes from all the national and regional insurance companies in San Antonio, 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 San Antonio, FL.

Renter insurance provider	Average annual rate	Average per month rate
Nationwide	$140	$12
Universal Insurance Holding	$152	$13
FedNat Holding	$155	$13
Security First Insurance	$165	$14
Allstate	$192	$16
State Farm	$231	$19
Progressive	$237	$20
Travelers	$239	$20
Amer Integrity Ins Co of FL	$245	$20
Citizens Property Insurance	$295	$25
HCI Group Inc	$444	$37

Tips for reducing renters insurance cost

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

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 San Antonio.

Increase deductible: Opting for a higher deductible can lower your premium in San Antonio, 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 San Antonio from multiple providers to find the best price for the coverage you need.

Final thoughts

Renters in San Antonio, FL 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 San Antonio 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.