Home & Renters Insurance in California
Homeowners, condo, renters and mobile home. Bundle it with your car and the pair often costs less than buying the two separately.
- Ask us to quote both
- Bundle
- Carriers compared
- 35+
- Proof for your landlord
- Renters
Four things every policy is made of
- DwellingThe structure itself. Insured to rebuild cost, not market value — the mistake most people make.
- Personal propertyWhat's inside. Photograph your rooms once a year; it turns a disputed claim into a paid one.
- LiabilitySomeone injured at your place, or your dog bites a neighbour. Renters need this too.
- Loss of useYour hotel and meals while the place is repaired after a covered loss.
Renting? Here's who covers what
| Who covers it | Renters | Homeowners | Condo |
|---|---|---|---|
| Building structure | Landlord's policy | Yours | HOA master policy |
| Your belongings | Covered | Covered | Covered |
| Personal liability | Covered | Covered | Covered |
| Interior fixtures | No | Yours | Usually yours |
Two things worth knowing
- Earthquake is separateA standard California homeowners or renters policy excludes earthquake damage. It's bought separately — ask us about adding it.
- Flood is separate tooNever covered by a standard homeowners policy anywhere in the US.
Questions we get asked
Does my landlord's insurance cover my things?
No. The landlord's policy covers the building. Your belongings and your liability need a renters policy of your own.
Should I insure my home for its market value or its rebuild cost?
Rebuild cost. Market value includes the land, which doesn't burn down — insuring to market value can leave you over- or under-insured.
Is earthquake damage covered?
Not by a standard policy. Earthquake cover is bought separately — ask us about adding it to your home or renters policy.