Affordable protection for your personal belongings and liability coverage for your rental home or apartment in California.
Many renters mistakenly believe their landlord's insurance covers their personal belongings. The truth is, your landlord's policy only covers the building structure, leaving your personal property and liability exposure unprotected.
Renters insurance is one of the most affordable types of insurance available, typically costing less than $20 per month in California. For this small investment, you get comprehensive protection for your belongings, liability coverage if someone is injured in your rental unit, and additional living expenses if your rental becomes uninhabitable.
California's rental market is competitive and expensive, making renters insurance even more valuable. Whether you're renting a studio apartment in San Francisco, a beach house in San Diego, or a family home in Los Angeles, renters insurance provides peace of mind and financial protection at an incredibly affordable price.
Your personal belongings are worth more than you might think. Electronics, clothing, furniture, jewelry, and other possessions can easily total $20,000 to $50,000 or more. Without renters insurance, you'd have to replace everything out of pocket if it's stolen, damaged by fire, or destroyed in other covered disasters.
Comprehensive protection for renters at an affordable price
Covers your belongings including furniture, electronics, clothing, and other personal items if they're stolen or damaged by covered perils.
Protects you if someone is injured in your rental unit or if you accidentally damage someone else's property.
Covers extra costs if your rental becomes uninhabitable due to a covered loss, including hotel bills and restaurant meals.
Many policies include coverage for expenses related to identity theft, including legal fees and document replacement.
Setting the record straight about renters insurance
"My landlord's insurance covers my belongings"
Your landlord's insurance only covers the building structure, not your personal property.
"Renters insurance is too expensive"
Renters insurance typically costs less than $20 per month - less than most people spend on coffee.
"I don't have enough stuff to insure"
Most renters have $20,000-$50,000 worth of belongings when you add up everything.
Make renters insurance even more affordable
Bundle with auto insurance for significant savings on both policies
Save with smoke detectors, security systems, and deadbolt locks
Rewards for maintaining a claims-free history
Save with automatic payments and paperless billing
Special rates for college students and recent graduates
Employer or association group discounts may be available
Three simple steps to get renters insurance
Make a list of your personal property and estimate its value to determine how much coverage you need
Contact us for a free quote and compare coverage options and prices
Purchase your policy and enjoy peace of mind knowing your belongings are protected
Don't risk losing everything you've worked for. Get affordable renters insurance and protect your personal property.