Skip to main content

Renters Insurance

Don’t get caught short in case of an emergency.

Affordable Renters Insurance in California

There’s no need to search multiple websites for the best California renters insurance rates because Cost-U-Less does the work for you. Cost-U-Less compares renters insurance quotes to find you the best coverage at the lowest priceand it takes less than three minutes to get a quote.

What is Renters Insurance?

If you rent rather than own your home, having insurance protection for yourself and your possessions is still important. Rental insurance protects you in unforeseen circumstances such as fire, theft, water damage and other unanticipated situations your apartment owner’s policy doesn’t cover. Whether you are renting an apartment, condo, or house, you can protect your family and belongings with California renters insurance from Cost-U-Less Insurance.

Renters insurance typically provides coverage, up to the limits you select, for specified items and situations, including:

  • Personal property (furniture, electronics, computer equipment, clothing, etc.)

  • Personal liability if someone is hurt, whether in your home or away from it

  • Damage to your apartment or home caused by a covered loss

Imagine going to dinner or a family get-together and when you return home, you’re greeted by the flashing lights of fire trucks and police cars. Building fires and damage can happen anytime, anywhere, but with proper renters insurance, your personal property inside your apartment will generally be covered if they’re affected by any of the following:

  • Fire
  • Smoke damage
  • Theft
  • Collapse of the building due to weather
  • Water leakage or overflow
  • Freezing of plumbing, air conditioning and more

Rental Insurance Covers More Than Property and Possessions

Renters insurance will protect you from incidents that occur while you’re at home, too, such as a toaster catching on fire or a friend slipping and falling in your apartment. Renters insurance provides coverage for your own items, and it provides coverage for other people’s injuries or damages in situations for which you’re liable.

For rent sign in front of houses

Renters insurance, sometimes referred to as an HO4 policy, can provide the financial protection you need in case your possessions are destroyed or stolen, as well as liability protection if someone is hurt in your dwelling.

California Renters Insurance Quotes

Cost-U-Less makes the process of obtaining renters insurance fast and easy. Request a quote online by entering your zip code in the form at the top of the page or give us a call at 800-538-3213.