California Renters Insurance
Affordable renters insurance coverage for around $12 per month.[1]
Already have a policy? Call 800-640-2920 so we can help you.
Affordable California Renters Insurance
California is the most populous state in the nation for good reason. Temperate climate, beautiful beaches, and snowy mountains make the Golden State an irresistible place to call home. While you’re enjoying the sunny skies and sandy beaches of California, wouldn’t you like to have peace of mind, knowing your belongings are protected if something bad should happen like a fire or burglary? The good news is that security and peace of mind can be yours with our California renters insurance coverage for around $12 a month.[1]
Get a personalized quote for your California renters insurance today.
What does renters insurance cover in California?
Renters insurance in California covers a surprising number of mishaps considering how low the rates can be. A renters insurance policy can cover your personal belongings from damage or theft, covers your liability (subject to policy limits) if a visitor is injured on the property, and can help pay for additional living expenses if you’re temporarily displaced due to a covered loss. Some coverages are included in a basic policy at no additional cost, while extended coverage limits are available for certain higher end items. Renters insurance can financially protect your belongings from damage or loss even if it occurs away from home.
Here’s what’s included with a basic renters insurance policy in California:
Personal Property
Renters insurance is an inexpensive safeguard against expensive and unpredictable incidents. If your bike is stolen, renters insurance can help you replace it. If your laptop, big screen TV, and sound system are destroyed in a fire, your items will be covered. Moreover, your personal belongings are covered, no matter where you happen to be at the time. If your gym bag is stolen from your car, or your backpack is ripped off in a hostel on the other side of the world, renters insurance can save the day. California renters insurance covers your belongings from damage or theft whether you’re at home or away.
Loss of Use
Renters insurance from Wawanesa also covers expenses if you've been displaced by a covered incident and need a temporary place to stay. Your landlord's insurance policy doesn't cover any of those expenses — even if a pipe bursts or the electrical system causes a fire. Without renters insurance, you would have to pay for your own hotel accommodations and additional living expenses while the damage to your place was being fixed.
Personal Liability Protection
Life brings unexpected situations, and liability protection comes standard with your renters insurance in California. If a visitor gets injured in your home or your pet causes accidental damage, your renters insurance policy can help give you financial protection. This includes providing legal defense and potential settlements up to your policy limits.
Medical Payments to Others
A renters insurance policy provides coverage for any medical expenses incurred (up to the limits of the policy) if a visitor is injured on your property. For example, a friend is helping you build a bookcase and smashes their thumb with a hammer, or they trip over your dog and fall breaking their wrist. However, the medical coverage in a renters insurance policy in California does not cover you, the policyholder or regular residents of the household. (You would use your own health insurance coverage if you were injured.)
Optional Coverages
We also offer optional coverages that can customize your renters insurance policy such as limited earthquake coverage, increased limits on items of higher value, business pursuits, and more.Get your California renters insurance quote online or give us a call at 800-640-2920 to discover the right coverage for your needs.
Why get renters insurance in California?
California living offers countless advantages, but even the Golden State experiences unexpected challenges. Wawanesa members can rely on their renters insurance to help protect their belongings from a wide range of covered events.
Your renters insurance coverage in California includes protection in the event your personal belonging are damaged as a result of any of the following covered events, unless the event or loss is excluded by the policy:
- Fire or lightning
- Windstorm or hail
- Explosion
- Riot or civil commotion
- Aircraft
- Vehicles
- Smoke
- Vandalism
- Theft
- Falling objects
- Freezing
- Weight of ice, snow, or sleet
- Accidental discharge or overflow of water or steam
- Sudden and accidental tearing apart, cracking, burning or bulging
- Sudden and accidental damage from artificially generated electrical current
- Volcanic eruption
How much is renters insurance in California?
Renters insurance in California is surprisingly affordable. Exactly how much it will cost depends on where you’re located in the state, the type of property you’re renting, and how many items you have to insure. Typically, you can get a basic renters insurance policy for around $12 a month.[1]
Find out exactly how much renters insurance will cost you by getting a quote now. Also, checkout what renters insurance discounts are available in California that could lower your rates even more.
Learn More About Renters Insurance
Renters insurance in California provides more protection than you might expect. Our helpful agents can help explain how much coverage you might need, see what discounts you may qualify for, and how to file a claim 24/7.
Ready to protect what matters? Get a quote online or call us at 800-640-2920 to discuss your California renters insurance coverage options.
California Renters Insurance FAQs
Have more questions on renters insurance? Visit our FAQs page to find answers on common questions relating to coverage, making a claim, and more.
Disclaimers
- Average premium cost of $12 per month in the state of California, for a Wawanesa 12-month renters insurance policy of personal property liability limit of $15,000.↩
Please note that this website provides only a summary of renters insurance to generally illustrate how renters insurance works. Your insurance policy is the legal contract containing the terms and limitations of your coverage. Any coverage provided by a Wawanesa General Insurance Company policy is subject to the terms, conditions, exclusions and endorsements of your insurance policy.