Skip to main content
Personal coverage

Renters Insurance

Your landlord's insurance covers the building, not a single thing you own inside it, and more California landlords now require renters insurance as a condition of the lease. For a modest monthly cost it replaces your belongings after theft or fire and covers your liability if someone is hurt in your unit — expenses that can otherwise run into thousands.

Request Renters Quote Schedule Consultation

Who this coverage is for

This is for anyone who rents an apartment, house, or room, from students to families to long-term tenants. Your landlord's insurance covers the building itself, but not a single thing that belongs to you, and that is exactly the gap renters insurance fills.

What it can help protect

A renters policy is built around you and your things, not the building:

  • Your belongings — furniture, clothes, and electronics if they are stolen, burned, or damaged.
  • Liability — costs if you accidentally injure someone or damage their property.
  • Extra living costs — a place to stay if your rental becomes unlivable after a covered event.
  • Off-premises items — many policies also cover your belongings when you are traveling or away from home.
Regularly misunderstood coverages
Homeowners vs. Landlord vs. Renters

What renters covers vs. owning the place.

Key choices and underwriting factors

A licensed review will usually focus on replacement-cost vs limited reimbursement choices, roommate and landlord requirements, and bundle opportunities with auto.

Common Questions