Cost & Coverage
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Find the best renters insurance in San Diego for the most affordable way to protect your belongings.
Looking to move to the beautiful coastal city of San Diego? You’ll join the 1.3 million people who call the southwestern California locale home. You should also look into getting renters insurance.
Although San Diego is mostly a safe city, renters insurance helps protect your property not only from crime but also from elemental perils like fire and wind. Even if you think your belongings are secure, renters insurance adds to your peace of mind and can be purchased on the cheap.
|Insurance Company||Monthly Cost - $500 Deductible||Monthly Cost - $1,000 Deductible|
Methodology: We pulled renters insurance quotes online from five of the most popular insurance companies: State Farm, Lemonade, Allstate, Travelers and Stillwater. Quotes were for policies with $500 and $1,000 deductibles for a 30-year-old female apartment renter. We deferred to the most comparable coverage amounts when identical policies were unavailable. N/A denotes quotes were not available online.
Renters insurance covers more than just your stuff. Here’s a rundown of the basic components of a renters policy.
For a deep dive on what renters insurance covers, head here.
While renters insurance is not required by law in San Diego, your landlord does reserve the right to require you to get it as a condition of signing the lease. Make sure you look for renters insurance rates while you go apartment hunting to make sure the stuff you’re bringing with you will be covered. For the low cost of between $10 and $20 per month, you can make sure you’re not paying out of pocket if an expensive item of yours is damaged.
You don’t want to be on the hook for the cost of your stuff if it’s destroyed or stolen. Renters insurance can help replace those items. In San Diego, there were 4,743 burglaries in 2016, along with 18,042 thefts and 239 cases of arson, according to the FBI’s Crime Data Explorer.1
San Diego typically has a mild to beautiful climate throughout the year, although renters insurance will help if there’s ever a major windstorm that destroys property inside your home, such as recent effects of El Niño.
Renters insurance will protect from rain that comes in through the roof and walls, but not from flooding, for which you’ll need additional flood coverage.
You may also want to look into earthquake insurance, which isn’t included in basic renters insurance policies. You may need a renters insurance policy to cover your stuff from theft and a separate earthquake insurance policy for “earth movement” hazards.
San Diego tenants looking for more resources on renting and their rights should visit the following:
Policygenius’ editorial content is not written by an insurance agent. It’s intended for informational purposes and should not be considered legal or financial advice. Consult a professional to learn what financial products are right for you.
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Yes, we have to include some legalese down here. Read it larger on our legal page. Policygenius Inc. (“Policygenius”) is a licensed independent insurance broker. Policygenius does not underwrite any insurance policy described on this website. The information provided on this site has been developed by Policygenius for general informational and educational purposes. We do our best efforts to ensure that this information is up-to-date and accurate. Any insurance policy premium quotes or ranges displayed are non-binding. The final insurance policy premium for any policy is determined by the underwriting insurance company following application. Savings are estimated by comparing the highest and lowest price for a shopper in a given health class. For example: for a 30-year old non-smoker male in South Carolina with excellent health and a preferred plus health class, comparing quotes for a $500,000, 20-year term life policy, the price difference between the lowest and highest quotes is 60%. For that same shopper in New York, the price difference is 40%. Rates are subject to change and are valid as of 2/17/17.
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