Renters Insurance
Protecting your space and everything in it.
Your apartment or rental home is filled with the things that make you, you — your electronics, furniture, wardrobe, and gear. Your landlord's policy covers the building itself, but not a single thing inside it. We shop top-rated carriers to find renters insurance that protects your belongings and your peace of mind — even in California's high-risk areas.
What's Covered
What renters insurance can include
Every policy is tailored — these are the building blocks we'll mix and match for you.
Personal Property
Protects your electronics, furniture, clothing, and gear against fire, smoke, theft, and vandalism — at home or away.
Personal Liability
Covers you if a guest is injured in your home or you're held responsible for damaging someone else's property.
Loss of Use
Pays for a hotel, meals, and added living costs if a covered loss forces you out while repairs are made.
Medical Payments
Pays a guest's minor medical bills after an injury at your place, regardless of who was at fault.
Quote your renters coverage
Two minutes now, a licensed California agent on it within one business day.
Good to Know
Renters insurance questions, answered
Doesn't my landlord's insurance cover my belongings?
No. Your landlord's policy protects the building and their own liability — not your furniture, electronics, or clothing, and not your personal liability. Without renters insurance, replacing everything after a fire or break-in is on you.
How much does renters insurance cost in California?
Most California renters pay roughly $15–$30 a month, depending on location, coverage amount, and deductible. Bundling with your auto policy often brings the price down further.
Is earthquake damage covered?
No — standard renters policies exclude earthquakes. In California, we can add earthquake coverage for your belongings through the California Earthquake Authority or private markets.
More Personal Insurance
Let's get your renters coverage right.
One conversation with an independent agent beats hours of online forms. We'll compare the market and explain your options in plain English.