Renter's insurance, sorted in 90 seconds.
Most Texas leases require it. Most landlords ask for proof on move-in day. Get a quote, bind a policy, and email proof to your leasing office before you've finished unpacking.
Quotes free. No spam. Utilify earns a referral fee if you purchase a policy.
Why most Texas renters need a policy
Your lease almost certainly requires it. The vast majority of TX apartment leases (and a growing number of single-family rentals) require tenants to carry renter's insurance with at least $100,000 in liability. Your leasing office will usually ask for proof — a one-page declarations PDF — before they hand over keys.
Your landlord's insurance does not cover your stuff. The building's policy covers the structure, not your laptop, TV, bike, or clothes. If a fire, burst pipe, or break-in destroys your belongings, you replace them out of pocket unless you have your own policy.
It's cheaper than you think. Lemonade quotes start at $5/month for basic coverage in most TX ZIPs. That's about the same as one drip coffee — for $20,000+ in property protection plus $100,000 in liability if a guest gets hurt.
How the quote works
- Click through to Lemonade. You'll land directly in their quote flow — no signup wall.
- Answer ~6 short questions. Your address, a rough estimate of belongings value, and a couple of safety details (smoke detectors, deadbolts).
- Pick a coverage level. Lemonade shows you 2–3 tiers; most TX renters pick the middle one.
- Bind the policy. Pay the first month, get the declarations PDF emailed to you instantly. Forward to your leasing office. Done.
~90 seconds. No card needed for the quote.
FAQ
Is renter's insurance legally required in Texas?
No — Texas doesn't mandate it. But your landlord probably does. Check page 2 or 3 of your lease for "tenant insurance" or "liability insurance" language; almost every modern TX apartment lease has it.
How fast can I show proof to my leasing office?
Lemonade emails the declarations PDF within minutes of binding. Most renters forward it before leaving the leasing office or the same evening.
Does it cover my roommate's stuff?
No — each tenant on the lease typically needs their own policy, or one of you can add the other as a "named insured." Confirm with Lemonade during the quote.
What if I already have a homeowner's policy somewhere else?
Renter's insurance is for tenants who don't own the building they live in. If you own a home elsewhere and rent a TX apartment for work, you still typically need a separate renter's policy at the rental address.
Why Lemonade specifically?
Their quote flow is fastest in the renter category, claims handling is digital-first, and they email proof of coverage instantly. Utilify earns a referral fee from Lemonade if you purchase — this does not change the price you pay.
Ready in 90 seconds.
Most Texas renters bind a policy faster than they unbox the kitchen.
Get my Lemonade quote →Powered by Lemonade. Utilify earns a referral fee if you purchase.
Know a Texas renter who's about to move?