The Best Renters Insurance in San Diego, California

From pandemic fears to wildfires, there has been no shortage of things to worry about recently. You can check one worry off your list by getting renters insurance in San Diego for your rental property. It can provide a significant amount of financial relief if your belongings are damaged or stolen. You even get liability protection if someone gets hurt while visiting. We used the SimpleScore to evaluate the best companies in San Diego for renters insurance. Keep reading to find out which ones made our list.

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    In this article

      The best renters insurance in San Diego 

      Most add-ons – State Farm

      A higher deductible may not sound like an actual discount, but it can help lower your State Farm premium — especially if you choose a number of add-ons to your policy coverage.

      J.D. Power Rating
      5/5
      AM Best Rating
      A++
      Standard & Poor’s
      AA
      SimpleScore
      4.2 / 5.0
      close
      SimpleScore State Farm 4.2
      Discounts 3
      Coverage Options 5
      Customer Satisfaction 5
      Support 4
      Accessibility 4

      With State Farm, you’ll find all kinds of supplemental coverage for your San Diego apartment, including extra liability for both personal and business-related incidents that occur at your rental. Available discounts are fairly limited, but you can save on your premium by opting for a higher deductible. That means you’ll be responsible for more if you file a claim. But you have plenty of options for adding coverage where you need it.

      Best for military members – USAA

      Active and retired military members in San Diego get robust renters insurance coverage.

      J.D. Power Rating
      5/5
      AM Best Rating
      A++
      Standard & Poor’s
      N/A
      SimpleScore
      3.8 / 5.0
      close
      SimpleScore USAA 3.8
      Discounts 2
      Coverage Options 5
      Customer Satisfaction 5
      Support 3
      Accessibility 4

      San Diego military members get a lot out of USAA renters insurance policies. Earthquake coverage is a standard, making it a smart choice for Californians. Flood insurance is also included. You’ll have discounts automatically applied if you carry multiple insurance policies with USAA and if you have a claims-free history.  If you meet the membership requirements, it may be worth getting a renters insurance quote from USAA.

      Best local renters insurance – Wawanesa Insurance

      Wawanesa protects San Diego renters in relevant scenarios, including earthquakes and business protection. Nearly 600 online reviews reveal Wawanesa as a top pick for San Diego natives. 

      J.D. Power Rating
      N/A
      AM Best Rating
      A+
      Standard & Poor’s
      N/A
      SimpleScore
      3.5 / 5.0
      close
      SimpleScore Wawanesa Insurance 3.5
      Disconts 5
      Coverage Options 3
      Customer Satisfaction N/A
      Support 3
      Accessibility 3

      Whether you’re at home in San Diego or traveling, your personal possessions are covered with Wawanesa Insurance. Plus, this local carrier offers coverage for damage caused by earthquakes, which is not typically covered by national insurers. You can also add on business pursuits protection so you can get reimbursed for damage to business-related property. This is a major perk when more people are working from home. You’ll also qualify for a discount if you live in a gated community or a building with 24-hour security.

      Best for customization – Farmers

      Pick and choose coverage based on your home’s need; Farmers lets you customize your coverage so you pay for exactly what you need.

      J.D. Power Rating
      2/5
      AM Best Rating
      A
      Standard & Poor’s
      N/A
      SimpleScore
      3.4 / 5.0
      close
      SimpleScore Farmers 3.4
      Discounts 4
      Coverage Options 3
      Customer Satisfaction 2
      Support 4
      Accessibility 4

      Farmers renters insurance comes with all the basics, including personal possessions, liability and additional living expenses. But you can also up your policy with things like extra reimbursement for expensive items like your jewelry and electronics. Another helpful add-on is Identity Shield, which helps you navigate the restoration process if someone steals your identity and falsely charges up your accounts. Farmers also makes it easy to qualify for discounts in San Diego by simply adding fire alarms and being smoke-free for at least two years.

      Best for discounts – Progressive

      Progressive’s renters insurance policy may seem basic, but it’s easy to cut costs with their discount program.

      J.D. Power Rating
      3/5
      AM Best Rating
      A+
      Standard & Poor’s
      AA
      SimpleScore
      4.2 / 5.0
      close
      SimpleScore Progressive 4.2
      Discounts 5
      Coverage 3
      Customer Satisfaction 3
      Support 5
      Accessibility 5

      Progressive doesn’t cover earthquakes and flooding like other insurance companies in San Diego, but its policy still comes with some perks. Like most carriers, you’ll get a discount for having multiple policies. But you’ll also be rewarded by planning ahead. Open your renters insurance policy at least three days before it goes into effect and get a discount. You’ll also save by paying your annual premium in full upfront, rather than making monthly payments.

      Find the Best Renters Insurance in California

      Save money on renters insurance with our simple comparison tool.

      Matching you with providers.
      We found results in
      Click at least 2-3 companies to find the very best rate.

        Powered by HomeInsurance.com (NPN: 8781838)

        America’s top-rated renters insurance

        • Policies starting at just $5/month
        • Sign up in seconds, claims paid in minutes
        • Zero hassle, zero paperwork

        [Read: The Best Renters Insurance Companies for 2020]

        How much does renters insurance cost in San Diego?

        Renters insurance is very affordable, considering the amount of coverage and protection you get. The average policy in California is $182 a year, which is just $2 more than the national average of $180. That means you can get a policy for about $15 per month. Even with a high annual cost of living in San Diego, renters insurance won’t break your budget. 

        Your actual rate is determined based on a number of variables. Most policies don’t include earthquake coverage, for example. But with San Diego’s Rose Canyon fault recently deemed active, it may be smart to add an earthquake rider to your policy. Other details like your neighborhood, credit score and size of your deductible influence the cost of renters insurance in San Diego.

        [Read: Cheapest Renters Insurance Companies of 2020]

        Choosing your provider 

        Both local and national carriers have unique characteristics to consider when choosing the best companies in San Diego for renters insurance. You may get more hands-on service with a local carrier, while a national brand may have a better app to help you find the information you need.

        Local carrier 

        Pros 

        • Understand local conditions for add-on policies.
        • More responsive.

        Cons 

        • May not invest in technology as much.

        National carrier 

        Pros

        • Better technology for quotes and claims.
        • Competitive on price.

        Cons 

        • May not understand your local market.

        Things to know about renters insurance in San Diego

        It’s a good idea to start evaluating insurance companies by looking at their financial ratings. You want to make sure the company is stable enough to payout on your eligible claims. Also look at customer reviews to see how easy and fast the claims process is.

        Because the annual cost of living in San Diego is higher than in other areas, pay attention to your coverage limits. Make sure the value of your covered possessions actually matches the amount you’ll need to replace them. Also look at any limits on additional living expenses (ALE). In case you do need to leave your rental while it’s being repaired, make sure your ALE coverage will pay for your hotel and meals in full, even in a more expensive market.

        San Diego minimum insurance requirements 

        Renters insurance isn’t legally required, but San Diego landlords will likely require it as part of your lease agreement. Either way, renters insurance is a smart investment that doesn’t cost a lot. You’ll be reimbursed for damaged property in a number of circumstances, even in the event of theft. In fact, your belongings are also covered in your vehicle. Additionally, liability insurance covers you in case someone gets injured while at your rental, even if it’s not your fault.

        [Read: Is Renters Insurance Really Necessary?]

        San Diego insurance FAQs

        Yes, a landlord can include renters insurance as a requirement in your lease agreement. You can also decline and find another apartment, but you don’t have the right to negotiate the removal of renters insurance if a landlord wants you to have it.

        In most cases, renters insurance excludes damage caused by earthquakes, flooding, sinkholes and pests.

        The average cost of a renters insurance policy is around $180 per year. You may pay more for additional coverage for things like earthquakes or higher value items.

        We welcome your feedback on this article and would love to hear about your experience with the insurers we recommend. Contact us at inquiries@thesimpledollar.com with comments or questions.

        Methodology

        SimpleScore

        The SimpleScore is a proprietary scoring metric we use to objectively compare products and services at The Simple Dollar.
        For every review, our editorial team:

        • Identifies five measurable aspects to compare across each brand
        • Determines the rating criteria for each aspect score
        • Averages the five aspect scores to produce a single SimpleScore™

        Here’s a breakdown of the five aspect scores and their rating criteria for our renters insurance reviews.

        Why do some brands have different SimpleScores on different pages?

        To ensure the SimpleScore is as helpful and accurate as possible, we developed unique criteria for every category we compare at The Simple Dollar. Since most brands offer a variety of financial solutions, their products and services will score differently depending on what we’re scoring on a given page.

        However, it’s also possible for the same product from the same brand to have multiple SimpleScores. For instance, if we compare State Farm’s home insurance according to our criteria for the best home insurance, it scores a 3.8 out of 5. But when we compare State Farm according to the criteria for the best auto insurance, it scores higher, since the features the company offers can vary by the type of insurance.

        Discounts

        We awarded higher scores to insurance providers with more discounts available on their website.

        Coverage Options

        We gave providers with more renter insurance coverage options a higher score because they’re more likely to have a policy that best meets your needs.

        Support

        We awarded higher scores to renters insurance providers with the most channels for customer support.

        Customer Satisfaction

        We leveraged the J.D. Power Home Insurance Satisfaction Study℠ to see how customers rated their experience with each insurance provider. (If a provider wasn’t included in J.D. Power’s study, we skipped this aspect and averaged the four remaining aspect scores.)

        Accessibility

        We awarded higher scores to insurance providers that have more online and mobile features to easily manage your policy and claims.

        Lauren Ward

        Contributing Writer

        Lauren Ward is a personal finance writer living in Virginia’s Blue Ridge Mountains with her husband and three children. In her spare time she enjoys board games and gardening.

        Reviewed by

        • Nashalie Addarich
          Nashalie Addarich
          Insurance Editor

          Nasha Addarich is an editor at The Simple Dollar and a former attorney who specializes in home insurance, auto insurance, life insurance, and savings. She is a former contributing editor to Reviews.com.