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Insurance by Need

Renting Your First Place

Many California landlords now require proof of renters insurance in the lease before you get the keys, and your building's policy covers the structure, not a thing you own inside it. For a modest monthly cost, renters coverage protects your belongings and shields you from liability the day you move in.

Coverage to Consider Schedule Consultation

Who this coverage is for

This is for first-time renters signing a lease on an apartment, house, or room. It's also for anyone whose landlord requires proof of renters insurance before move-in.

What it can help protect

Renting shifts a few key risks onto you, not the landlord:

  • Your belongings — furniture, electronics, and clothes if they're stolen or damaged by a covered event.
  • Liability — costs if you accidentally injure someone or damage the unit.
  • Guest injuries — medical costs if a visitor is hurt in your home.
  • Loss of use — temporary living costs if a covered event makes the unit unlivable.
  • Lease compliance — meeting a landlord's requirement to carry coverage.

How to start quickly

Most renters can start with a short request, a move-in date, and the address. If your landlord needs proof of insurance, Sterling Lloyd can help you understand the next steps.

Coverages to consider

The coverages most relevant to Renting Your First Place, tiered by priority. Start a quote on any one, or have an advisor review the whole stack.

Core

Renters Insurance

Protects your belongings and personal liability.

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Recommended

Personal Umbrella Insurance

Extra liability protection.

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Situational

Valuable Articles Insurance

For high-value items beyond policy limits.

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Have an advisor review the whole stack →

Common Questions