Your belongings
Furniture, clothes, electronics, and bikes, at home and out in the world.
Renters Insurance
Your landlord's policy covers the building. This one covers everything you own inside it, plus your liability, usually for less than you spend on streaming.
Small policy, outsized protection
Renters insurance is three protections in one: your things, your liability, and a place to stay if a covered loss puts you out.
Your liability
A kitchen fire that spreads or a guest who gets hurt, with defense costs included.
A place to stay
Hotel and living costs while your apartment is repaired after a covered loss.
For renters across California
- Tenants whose lease requires a policy
- Roommates sorting out who covers what
- First apartments and first nice furniture
- Anyone with a bike, laptop, or camera that travels
What this covers, and what it does not
Typically covered
- Your belongingsFurniture, clothes, electronics, and bikes, whether at home, in your car, or traveling.
- Personal liabilityIf someone is hurt in your place or you accidentally cause damage, like a kitchen fire that spreads.
- Somewhere to stayHotel and living costs if a covered loss makes the apartment unlivable.
- Theft away from homeA laptop taken from a cafe or gear stolen from your car is typically covered, minus your deductible.
Not covered here
- The building itselfWalls, roof, and systems are your landlord's policy, not yours.
- Your roommate's thingsUnlisted roommates need their own policy. Coverage follows the named insured.
- Flood and earthquakeBoth are separate policies, same as for homeowners.
- High-value items above limitsJewelry, art, and instruments have sublimits. Scheduling them fixes that.
Frequently asked questions
My landlord requires renters insurance. Is that normal?
Yes, very. Landlords require it mostly for the liability part, so that a fire or water loss you cause has a policy behind it. Meeting the requirement usually takes minutes and the certificate goes straight to your landlord.
Isn't my stuff covered by my landlord's insurance?
No. The landlord's policy covers the building, not your belongings. If the building burns, their policy rebuilds the walls and yours replaces what you owned.
How much is renters insurance?
It is usually the least expensive policy people buy, often less than a streaming subscription each month, though price depends on where you live, your limits, and your claims history. We will quote it in minutes.
Does it cover my bike or laptop outside my apartment?
Generally yes. Personal property coverage typically follows your things wherever they are. Theft from a car or a gym locker is a classic covered claim, subject to your deductible.
What is a scheduled item?
A specifically listed valuable, like an engagement ring, covered for an agreed amount above the policy's standard sublimits, often without a deductible. If you own something special, tell us and we will schedule it.
Coverages that pair with this
Get covered before the lease deadline
A quote takes minutes, and the certificate your landlord wants goes out the same day.