Protect everything you own for less than a coffee a day.
Your landlord’s insurance covers the building — not your stuff. Renters insurance protects your belongings, your liability, and your peace of mind for just dollars a month.
No credit card · 2 minutes · CA Licensed
$12
per month
Rates compared across 40+ carriers
Why renters insurance matters.
Most renters think they do not need insurance. Most are wrong — and find out the hard way after a break-in, fire, or accident.
What renters insurance covers.
More than just your stuff — a renters policy protects you in ways most people never think about until it is too late.
Personal Property
Covers your furniture, clothing, electronics, appliances, and other belongings if they are stolen or damaged by fire, smoke, water, or vandalism.
Included
Liability Coverage
If someone is injured in your home or you accidentally damage someone else’s property, renters insurance covers your legal fees and damages.
Included
Additional Living Expenses
If your apartment becomes uninhabitable after a covered event like a fire, your policy pays for your hotel and meals while repairs are made.
Included
Theft — Inside and Outside the Home
Your belongings are covered even if they are stolen from your car, a hotel room, or while you are traveling.
Included
High-Value Items
Jewelry, cameras, musical instruments, and other high-value items can be added as a scheduled endorsement for full replacement value.
Add-on Available
Get covered in minutes.
Your address, the approximate value of your belongings, and any special items you want covered.
We find the best rate for your ZIP code and the coverage level you need.
We explain your options clearly. No confusing insurance jargon — just plain language.
Your policy starts immediately. We can email a copy to your landlord the same day if required.
Common renters insurance myths.
Most renters skip coverage because of misconceptions. Here is the truth.
“My landlord’s insurance covers my stuff.”
Your landlord’s policy covers the building only. Your personal belongings have zero coverage unless you have your own renters policy.
“I don’t own enough to need insurance.”
Add up your furniture, clothing, electronics, and kitchen items. Most renters have $15,000 to $30,000 in belongings without realizing it.
“Renters insurance is expensive.”
Most California renters pay $12 to $30 per month — less than most streaming subscriptions — for full personal property and liability coverage.
“I only need it if my landlord requires it.”
Even if your landlord does not require it, you are personally liable for injuries that occur in your apartment and for any damage you cause to the building.
Carriers we compare for renters insurance.
We find the lowest rate from the most trusted carriers in California.
Progressive
Travelers
Safeco
Nationwide
Foremost
Mercury
Kemper
Bristol West
+ more
Common questions.
Most renters in California pay between $12 and $30 per month depending on the value of their belongings, their ZIP code, and the coverage limits they choose. We compare 40+ carriers to find your lowest rate.
Yes. If your personal belongings are stolen from your car, they are covered under your renters insurance policy — not your auto insurance. This includes laptops, bags, and other personal items.
Not automatically. In most cases, a renters policy only covers the named insured. Your roommate would need to be added to the policy or get their own coverage. We can advise you on the best approach.
Same day. You can be covered within minutes of choosing your plan. If your landlord needs proof of insurance, we email the certificate directly to them the same day.
Yes and we recommend it. Bundling renters and auto insurance with the same carrier typically saves 10 to 15 percent on both policies. Ask us about bundle options when you get your quote.
Get covered for less than
a coffee a day.
Starting at $12/month · 2 minutes · No credit card
Get my renters quote
CA Licensed · 6 languages · Same day coverage
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