Renters Insurance in Dallas

Getting a policy in the Big D doesn't mean big costs.

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Renters insurance in Dallas can help you protect your valuables.

How can Dallas renters protect their valuables without too much stress? That would be renters insurance, of course—an economical way to defend your stuff against the threat of theft, fire, damage from burst pipes, and more.

Let’s take a quick look at how the right policy can improve your life in Dallas. If you’re in a hurry, you can also just click below and get your Lemonade Renters quote in a few minutes.

How much does renters insurance cost in Dallas?

The average cost of renters insurance in Dallas is $19/month in 2024, according to (FYI, the average cost of Lemonade Renters insurance across the U.S. is $14/month.)

Your own rate will differ depending on various factors, including things like:

  • Where in Dallas your rental is
  • The coverage limits you set for personal property, liability, and loss of use (more on those below)
  • The deductible you choose
  • Any bundle discounts

The easiest way to find your price is to start a quote by clicking the button below. It’s quick and painless.

Get Your Quote

What does renters insurance cover in Dallas?

A renters insurance policy has several components covering personal property as well as liability coverage, loss of use, and more.

Here’s a quick breakdown of the basic parts of a renters policy.

Personal Property

‘Personal property’ coverage will help defend your valuable stuff against things like theft, vandalism, windstorms, fire, certain types of water damage, and more. This coverage often applies even if you’re not at home—for instance, if your bike, phone, or laptop is stolen while you’re at White Rhino Coffee.

Loss of Use

Dallas is certainly prone to natural disasters. If you’re temporarily forced out of your home because of covered losses (like a fire or windstorm), your ‘loss of use’ coverage provides reimbursements for temporary housing and additional living expenses such as food, laundry, hotel parking, and more. 

Liability coverage

Say your book club is meeting to discuss Living Dead In Dallas, and one of your guests gets tangled up in her vampire costume and breaks an ankle on the staircase. This part of your renters policy could help cover any resulting legal bills. Liability coverage also kicks in if you accidentally cause damage to someone else’s property or stuff.

Medical Protection

Your insurance provider covers medical expenses if your guests get injured at your place, or if you accidentally hurt people outside of your home as well. Note that your renters insurance policy does not cover medical payments if you or your roommates are injured—only non-residents and guests.

Is renters insurance required in Dallas?

No, there’s no law saying that you need to buy renters insurance in the Texas, or in Dallas specifically. But your landlord might specifically require it (smart landlord). And if your lease specifies that you need renters insurance, well… it’s hard to argue with a lease.

The good news? Signing up is easy, and monthly premiums are probably less than you’d guess.

Why do you need renters insurance in Dallas?

It’s impossible to predict what’ll happen in the future, and renters insurance can help defend against many of life’s perils and curveballs.

Theft and burglary are some of the most obvious risks. But Dallas renters are also vulnerable to damages from things like windstorms, tornados, and hail.

That’s in addition to the non-weather-related damages that can occur in rental apartments—a kitchen fire, a burst pipe, or a ceiling leak that destroys electronics and furniture.

What’s the right amount of renters insurance coverage to get?

Sorry cowboy, there’s no easy answer to that question. It depends on how much stuff you have to cover and what it’s worth.

As mentioned above, your policy has a few main categories: Contents (your stuff); Loss of Use (temporary living expenses); and then personal liability and medical bills.

You’re able to set the coverage limits for these categories when you sign up for a Lemonade policy. Lower coverage limits might save you a few bucks on your monthly premiums—but they might also leave you with insufficient coverage when you have to make a claim.

Also, if you’ve got valuables that are especially pricey or important—things like engagement rings, fancy cameras, musical instruments, or artwork—you can add ‘scheduled personal property coverage’ for those items. At Lemonade, we simply call it ‘Extra Coverage’—here’s a bunch more info about that.

How to save on renters insurance in Dallas

In Dallas, Lemonade offers both renters insurance and car insurance, with bundling discounts available.

In addition to renters insurance, Lemonade also offers pet, car, and term life insurance in Dallas. Depending how you bundle your policies, you can be eligible for savings and lower costs.

For instance, bundling your car and renters policy can earn discounts, as can bundling renters insurance with pet health insurance.

There are other ways to lower the cost of your renters insurance:

  • Lowering your coverage limits can reduce your premium. However, saving a bit of cash up front could leave you vulnerable to paying more out of pocket later, in the event of a claim.
  • Raising your deductible might also lower your premium—but again, this means you’d be liable for more out of pocket expenses in the future.
  • Investing in safety and security services, like fire alarms or burglar alarms, can also make you eligible for discounts.


Please note: Lemonade articles and other editorial content are meant for educational purposes only, and should not be relied upon instead of professional legal, insurance or financial advice. The content of these educational articles does not alter the terms, conditions, exclusions, or limitations of policies issued by Lemonade, which differ according to your state of residence. While we regularly review previously published content to ensure it is accurate and up-to-date, there may be instances in which legal conditions or policy details have changed since publication. 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.