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Renters insurance in Dallas, TX: cost, local risks and coverage

By Venkata NagireddiUpdated October 2026

Renters insurance in Dallas costs about $14 a month ($167 a year), about $2 a year more than NerdWallet's Texas average of $165. Texas law doesn't require it, but many Dallas landlords do. The local risk to check first is hail: a standard policy covers it.

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How much is renters insurance in Dallas?

The average renters policy in Dallas costs about $14 a month, according to NerdWallet, Best and Cheapest Renters Insurance in Texas (Sept 2026). NerdWallet puts Dallas at $167 a year; nearby Irving ($177) and Garland ($175) cost more, while Plano ($134) and Frisco ($129) cost less. ValuePenguin's study puts Dallas at $25 a month, 2% above its Texas average. The Texas average is about $14 a month.

Dallas has a huge apartment market, from Uptown high-rises to large suburban complexes along the freeways. North Texas sits in one of the most active hail and tornado zones in the country. Wind and hail damage to your belongings is covered, which makes a renters policy useful here.

NerdWallet prices northern suburbs such as Plano and Frisco well below Dallas, and Irving and Garland above it. Ground-floor units near creeks carry more flood risk.

What renters insurance covers in Dallas

A standard renters policy (HO-4) covers your belongings, your liability if someone is hurt, and extra living costs if a covered event forces you out. Here's how it handles the risks Dallas renters actually face.

  • ✓Hail. Spring hailstorms regularly break windows and damage cars across Dallas; hail damage to your belongings inside the unit is covered.
  • ✓Tornadoes and straight-line wind. The October 2019 tornado tore through North Dallas apartments; wind damage to contents is covered.
  • ✓Theft and car break-ins. Items stolen from your unit or car are covered up to your limits, minus your deductible.
  • ✕Trinity River and flash flooding. Flooding along the Trinity and its creeks, and street flooding in heavy rain, is excluded.
  • ✕Flood. Dallas floods mainly from flash flooding on creeks such as White Rock Creek and along the Trinity River. A separate NFIP or private flood policy covers contents.

How to get renters insurance in Dallas

You can get a quote online in a few minutes. Lemonade sells renters insurance in Texas: enter your Dallas address, pick your coverage amounts, and the price updates as you go. Coverage can start the same day, which helps when a landlord wants proof before move-in.

Tips for Dallas renters

  1. Many Dallas complexes require $100,000 of liability and want to be listed as an interested party; check your lease before you buy.
  2. Your car is not covered by renters insurance against hail, but items left inside it are; keep the receipts for laptops and tools.
  3. Choose replacement cost coverage; after a hailstorm, actual cash value pays only the depreciated value of damaged items.
  4. Compare suburbs if you are flexible on location; NerdWallet's Frisco average is $38 a year below Dallas.

Dallas renters insurance FAQ

How much is renters insurance in Dallas?

NerdWallet's September 2026 study puts Dallas at about $167 a year, or $14 a month, close to the Texas average of $165. ValuePenguin's study puts Dallas at $25 a month. See what drives renters insurance cost.

Does renters insurance cover hail damage in Dallas?

Yes, hail and wind damage to your belongings is covered. Hail damage to your car is not; that is comprehensive auto coverage.

Does renters insurance cover tornado damage?

Yes. Wind damage from a tornado is a covered peril, and loss of use pays for a hotel if your unit becomes unlivable. See what renters insurance covers.

Who has the cheapest renters insurance in Texas?

In NerdWallet's Texas study, Travelers averaged $125 a year, and Allstate and USAA averaged $130. ValuePenguin found Amica and Lemonade cheapest at $19 a month. More on the Texas page.

More in Texas

Sources

  1. NerdWallet, Best and Cheapest Renters Insurance in Texas (Sept 2026) (accessed 2026-10-04)
  2. ValuePenguin, Best Cheap Renters Insurance in Texas (Sept 2026) (accessed 2026-10-04)