8 Best Renters Insurance in California

The Best Cheap Renters Insurance in California: Renters insurance isn’t required by law in California, but it’s often worth purchasing—especially if you live in an area prone to wildfires or earthquakes.

While your landlord will insure the building you live in, it’s up to you to cover your belongings.

What is the best 8 renters insurance in California


If you or your child live in an off-campus apartment, Lemonade is an excellent option for renters insurance. Y

ou can register for a policy in 90 seconds using its quick online tool and file a claim using its AI-enabled smartphone app. Lemonade’s use of AI technology allows it to process claims faster than many providers.

The standard premium we’ve quoted is an affordable earthquake of $12.84 per month, with impressive earthquake support for an additional $4.75 monthly.


Geico renters insurance tops this list for a combination of its performance on our rating metrics, its earthquake excess coverage, and its easy policy management capabilities.

You may be eligible for additional savings if you currently have an auto insurance policy with Geico or decide to pay for your policy in full. Based on the quotes we receive, you can save up to $40 by paying upfront instead of monthly.


Allstate renters insurance is our overall choice nationally for excellent coverage across nearly all of our ranking factors.

From the availability of customer service to the added convenience, it’s an excellent option for renters across the country, including in the Golden State.

However, our quote did not include an option for earthquake protection, putting it further down the list for California.


progressive renters insurance does not offer earthquake coverage, it does cover certain perils, including wildfires.

This Insurance can be an ideal choice for California renters who already have an auto insurance policy, as it offers bundle discounts and a unique single-deductible benefit where you can combine the deductibles of both policies. May add to this, save you some extra money after an accident.

State Farm

State farm renters insurance is known nationwide for its affordable renter’s insurance policies. California is no exception, as $11.58 is the cheapest we can find.

Earthquake coverage cannot be purchased directly from a state farm, but an agent offered to link us to an additional policy with the California Earthquake Authority.


With 168 years in business, Travelers Insurance is the most experienced company in the industry. If you are looking for a reliable provider that offers multiple deductible options, this is the right option for your rental.

While the price we found averaged over $21, Travelers offers eight deductible options ranging from $500 to $10,000, giving you the chance to customize your premium based on your selection.


They are known nationwide for an extensive list of endorsements. Obtaining a policy with Nationwide is the right decision for renters looking for fine coverage to meet their needs.

Policies come at a higher rate, especially with add-ons, but they can be useful for Californians who want some extra protection.


We liked Assurant for its feel and emphasis on educating new hires within the signup tool. The company offers an affordable selection of deductibles of $100, $250, and $500, as well as a low monthly premium of $13.42. At $2.08, Assurant’s earthquake coverage endorsement is also the least expensive we found, placing it among the top three companies on this list.

Is renters insurance worth it?

Unlike homeowners insurance, renters insurance does not cover a structure or residence as it is typically covered by a landlord’s policy.

However, your landlord may require you to have renter’s insurance on your lease before you can move into your new home with your policy. Typically, they will set a certain amount of liability coverage for your policy.

However, it may still be worth getting more coverage than necessary or even if your landlord doesn’t mandate it.

The goal of renter’s insurance is to return the tenant to the condition it was in before an unexpected disaster, so it can be a worthwhile purchase if you want to avoid any unexpected or heavy expenses.

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