Lemonade Renters Insurance in Arlington, TX
Renting near Downtown? Protect your stuff with Lemonade renters insurance in Arlington from just $16/month.
What does Lemonade renters insurance in Arlington protect against?
Renters insurance protects your stuff against several potential damages (or “perils” in insurance speak). Here’s a closer look at what is (and isn’t) covered:
- Fire & smoke damage
- Theft & break-ins
- Clothes & shoes
- Jewelry & watches
- Your laptop & electronics
- Books & collections
- Wind & hail damage
- Art & musical instruments
- Kitchen appliances & gadgets
- Furniture & home decor
- Sports equipment & bikes
- Water damage from burst pipes
Not covered: floods, normal wear & tear, your roommate’s stuff, or getting mad at the Cowboys & punching your TV.
What does renters insurance cover in Arlington?
It’s not just about your stuff, renters insurance also covers:
Personal liability
Someone slips at your pool party? We’ve got the medical bills and potential lawsuits covered
Loss of use
Burst pipe makes your place unlivable? We’ll cover hotel costs above what you normally spend
Medical payments
Guest cuts themselves on broken glass? We’ll handle the cost of their ER visit
Want to learn more about what renters insurance covers (and what it doesn’t)? Check our coverage guide.
How much does renters insurance cost in Arlington?
As of 2025, Lemonade renters insurance in Arlington typically averages between $16 and $20 per month. Factors like your location, how much coverage you select, and your deductible determine how much you’ll pay.
Customers love Lemonade renters insurance
Our customers rate Lemonade renters insurance 4.9 on Trustpilot. Don’t just take our word for it, check out what they’re saying.
How does Lemonade protect Arlington renters?
Protection built for Southern life and city risks
Severe weather protection
Wind, hail, and (some) water damage when Texas' storms and tornadoes hit
Protection against theft
We'll cover your electronics whether it's a break-in or grab-and-go
Tornado displacement
Severe weather evacuation keeping you out of your place? We've got you covered
How much renters insurance do you need in Arlington?
The right amount depends on what you own and your lifestyle.
Here’s how to calculate what you need.
Personal property coverage
You can choose anywhere from $10,000 to $250,000 in coverage. Walk through your Arlington rental and add up what it would cost to replace everything: furniture, electronics, clothes, kitchen items, and personal belongings. That sum should be your personal property coverage limit.
Read moreLoss of use coverage
Coverage ranges from $3,000 to $200,000. Think about how much you’d spend on temporary housing, meals, and other expenses if your rental became unlivable due to covered damage. Spending just one week in a Arlington hotel will run you $780*, so factor in your local costs.
Read morePersonal liability coverage
Lemonade’s standard $100,000 covers medical bills and legal fees if someone gets hurt in your rental or if you accidentally damage someone else’s property. Your landlord will probably specify how much you need, so pay attention to your lease requirements.
Read moreHow to save on renters insurance rates
Renters insurance is generally quite affordable, but there are still some ways you can save
Bundle
Combine renters with car or pet insurance for instant multi‐policy discounts. (Plus, you can manage your policies in one place)
Pay in full
Pay your full premium upfront to avoid monthly fees and earn up to a 5% annual payment discount.
Security devices
Fire alarms and security systems can lower your rate. Check what safety features your rental has, you might already qualify.
Who needs renters insurance in Arlington?
Renters insurance is one of the smartest investments any renter can make. Here’s how a handful of Arlington residents benefit from coverage:
Sports professionals
Working for Dallas’ professional sports teams means you’re part of Arlington’s entertainment empire. Renters insurance protects your team gear, electronics, and furniture from theft or damage. Plus, liability coverage protects you when fellow sports industry colleagues visit your place after games.
Six Flags employees
Working at one of America’s premier theme parks means seasonal schedules and entertainment industry demands. Renters insurance protects your belongings while you’re working long park shifts, covering theft and damage. Plus, liability coverage protects you when coworkers visit after those busy park days.
UTA students
College is expensive enough without replacing stolen laptops or textbooks. Your landlord’s insurance won’t cover your belongings, but renters insurance will. Plus, you’re covered if someone gets injured during study sessions at your place.
Healthcare workers
Working at Texas Health Arlington Memorial or other local healthcare facilities means long hours helping others. Renters insurance protects your furniture, electronics, and personal belongings at home, plus liability coverage if someone gets hurt at your place after those demanding shifts. It’s one less thing to worry about.
Sports fans
Living in the heart of DFW sports means you’re always ready for Cowboys, Rangers, or Mavericks games. Renters insurance protects your sports memorabilia, big-screen TV, and game day gear from theft or damage. Plus, liability coverage protects you when friends come over for watch parties.
What’s the best renters insurance in Arlington?
We might be biased, but Lemonade was designed to shine for Arlington renters
All in the app
Get a quote, manage your policy, and file claims all from your phone
Coverage for you
Pick exactly what you need. No cookie-cutter policies
Claims paid fast
Most claims get handled in minutes, not weeks
Arlington Renters: By the Numbers
Real data from our customers:
Arlington Renters Insurance FAQs
What's the average cost of rent in Arlington?
According to Zumper*, the average cost of rent in Arlington is $1,650. However, the average cost of rent varies widely depending on where you live, and the type of home your renting. Here’s a look at how the average cost of rent changes in Arlington based on your property type:
- Apartment: $1,320
- Condo: $1,492
- House: $2,230
How does renters insurance work in Arlington?
Lemonade harnesses the power of tech to make the process of filing a renters insurance claim, and getting reimbursed, stress-free. Here’s how the renters insurance claims process works for Arlington residents:
- Document damage: When disaster strikes in Arlington, make sure to take clear photos or videos of any damage to your belongings, this documentation will help support your claim.
- File a claim: Open the Lemonade app and file your claim in minutes by chatting with AI Jim and providing the necessary details about your loss or damage.
- Get reimbursed: For eligible claims, receive your money directly in your bank account.
What information do I need to get a renters insurance quote?
Getting a renters insurance quote takes just a few minutes. You’ll need:
- Your rental address and move-in date
- An estimate of what your belongings are worth
- Your preferred deductible amount
- Basic details about your rental (apartment, house, or condo)
- Any security features like fire alarms or security systems
Most quotes take under 5 minutes, and you can adjust your coverage anytime through the Lemonade app.
Is my phone covered if it's stolen at Six Flags Over Texas?
Yes, your phone is covered under personal property whether stolen at the theme park, in parking lots, or anywhere else in Arlington. With the chance of experiencing property crime in Arlington being 1 in 39, renters insurance coverage is especially valuable so you can enjoy the rides without worrying about your stuff.
Are my electronics covered if damaged during Arlington's severe thunderstorm season?
Yes, your electronics are covered from wind and hail damage, including straight-line winds that frequently hit the DFW area. With 449 recorded wind events and the most severe event an F3 tornado, Arlington’s location makes severe weather protection crucial for renters.
All coverage is subject to individual policy limits, terms, and conditions. Certain items mentioned in this article, including electronics, jewelry and watches, art and musical instruments, and some collections, are subject to sub—limits under standard renters insurance policies and may need to be scheduled separately for full protection. Any hypothetical examples used in Lemonade editorial content are purely expositional. Hypothetical examples do not alter or bind Lemonade to any application of your insurance policy to the particular facts and circumstances of any actual claim. The costs shown in this article are based on internal Lemonade data as of January, 2025. Claims data is sourced from internal Lemonade data as of August 2025. Average costs of hotel stays sourced from https://www.budgetyourtrip.com/search.php. Average cost of rent sourced from Zumper as of August 2025 https://www.zumper.com/
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