Lemonade Renters Insurance in Irving, TX
Renting near Las Colinas? Protect your stuff with Lemonade renters insurance in Irving from just $10/month.
What does Lemonade renters insurance in Irving 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 Bears & punching your TV.
What does renters insurance cover in Irving?
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 Irving?
As of 2025, Lemonade renters insurance in Irving typically averages between $10 and $15 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 Irving 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 Irving?
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 Irving 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 Irving hotel will run you $767*, 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 Irving?
Renters insurance is one of the smartest investments any renter can make. Here’s how a handful of Irving residents benefit from coverage:
DFW Airport workers
Working at one of the world’s busiest airports means shift work and irregular schedules. Renters insurance protects your belongings while you’re away on long airport shifts, covering theft and damage. Plus, liability coverage protects you when coworkers visit after those demanding aviation shifts.
Corporate professionals
Working for major corporations like ExxonMobil, Fluor, or Michaels in Las Colinas means you understand risk management. Renters insurance protects your professional wardrobe, electronics, and furniture from theft or damage. Plus, liability coverage protects you when hosting business colleagues at your place.
Tech professionals
Working in Irving’s growing tech scene means you have valuable personal electronics at home. Renters insurance protects your gaming systems, furniture, and belongings from theft or damage, plus covers liability if colleagues visit your place. It’s smart protection for DFW’s tech workers.
Service industry workers
Working in Irving’s restaurants, hotels, and entertainment venues means you understand how quickly things can change. Renters insurance covers your belongings when you’re pulling service shifts, plus liability protection if friends visit after work. It’s affordable coverage that fits any budget.
Dallas Cowboys fans
Living near the Cowboys’ headquarters and practice facility means you’re part of America’s Team’s home base. Renters insurance protects your sports memorabilia, electronics, and game day gear from theft or damage. Plus, liability coverage protects you when fellow fans visit for watch parties.
What’s the best renters insurance in Irving?
We might be biased, but Lemonade was designed to shine for Irving 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
Irving Renters: By the Numbers
Real data from our customers:
Irving Renters Insurance FAQs
What's the average cost of rent in Irving?
According to Zumper*, the average cost of rent in Irving is $1,728. 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 Irving based on your property type:
- Apartment: $1,483
- Condo: $1,686
- House: $2,800
How does renters insurance work in Irving?
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 Irving residents:
- Document damage: When disaster strikes in Irving, 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 the Shops at Valley Ranch or Irving Mall?
Yes, your phone is covered under personal property whether stolen while shopping, dining, or anywhere else in Irving. Just file a police report and keep your receipt to make the claim process smoother.
Will my car be covered if damaged by hail at Irving Arts Center?
No, renters insurance covers personal property, not vehicles, that’s what your auto insurance handles. With hail causing over $1 billion in damages to property, vehicles and crops yearly, renters insurance is a smart choice for Irving residents.
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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