California · Renters Insurance
California Renters Insurance
Affordable protection for your belongings, liability, and additional living expenses. Typical California premium is approximately $236/year.
Avg Premium
$236/yr
Risk Score
82/100
Consumer Protection
60/100
No-Fault
No
Coverage requirements in California
California requires minimum liability limits of 15/30/5. Most insurance experts recommend higher limits (100/300/100 or 250/500/250) to protect personal assets.
Coverage types
- Personal Property — Replaces clothes, electronics, furniture after a covered loss.
- Liability — If you injure someone or damage their property.
- Loss of Use — Pays hotel/food if your rental is unlivable.
Top California savings opportunities
- Bundle with auto (often 5-10%)
- Raise deductible
- Smoke/security discounts
Common exclusions
- Flood
- Earthquake
- Roommate's property
- Vehicle damage