Best Renters Insurance in Los Angeles (2025)
The best renters insurance companies in Los Angeles are California Casualty, USAA, Amica, Lemonade, and Auto-Owners.
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Written byAlani Asis
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3 años de experiencia en redacción de contenidos
Artículos en destacadas publicaciones financieras
Alani es una escritora independiente especializada en finanzas personales. Su objetivo es hacer que los temas complejos sean más accesibles a través de contenidos divertidos y digestibles.
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Edited byKatie Powers
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Licensed auto and home insurance agent
3+ years experience in insurance and personal finance editing
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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Table of contents
Your landlord won’t pay to replace your personal property following theft or damage from an apartment fire. That’s where renters insurance can help protect you financially. In addition to property coverage, renters insurance also provides liability and alternative living expenses coverage.
Note that while Los Angeles insurance laws don’t require renters insurance, your landlord may. It’s a good idea to review your rental agreement for the coverages and limits you must meet.
Here’s what you need to know to find the best renters insurance for your needs in Los Angeles.
Quick Facts
Standard renters insurance policies don’t include earthquake or flood insurance.
Installing safety and security features can help lower your renters insurance premiums.
It’s important to assess the value of your personal belongings to determine the right amount of personal property coverage you need.
How renters insurance works in Los Angeles
Renters insurance includes coverage for your personal property, medical and legal expenses in the event of a lawsuit, and additional living expenses. Unlike home insurance, renters insurance doesn’t cover your rental property’s physical structure. Landlord insurance, which your landlord or property management company must carry, covers the actual building you live in.[1]
Buying renters insurance coverage can be fast and easy if you know where to look. If your car insurance company also sells renters insurance, you should look into bundling your coverages to earn a discount. Though renters insurance is relatively affordable, how much you pay will vary based on your risk. Insurers consider your ZIP code, coverage limits, deductible amounts, optional coverages, claims history, and more when determining your rate.
Once you have insurance coverage, filing a renters insurance claim is relatively straightforward. You must notify your insurer of the loss and provide relevant documentation. After your insurer reviews your case, you’ll receive a settlement up to your insurance policy’s limit. This limit typically reflects the actual cash value of your personal property, which is the current value minus depreciation.
Important Information
Insurance companies may cap personal property coverage limits at a certain amount. So, if you have high-value items like jewelry or electronics, you may want to buy additional personal property coverage.
Best renters insurance companies in Los Angeles
The best renters insurance for you in Los Angeles will depend on your unique coverage needs and renter profile. For example, California Casualty caters to renters in certain professions, like educators and first responders. Meanwhile, Lemonade is a popular bundling choice for people with pets.
You should always compare multiple coverage options before deciding on a policy. Learn more about five of the best renters insurance companies in Los Angeles below.
Insurance Company ▲▼ | Best For ▲▼ |
|---|---|
| California Casualty | Public service professionals |
| USAA | Military |
| Amica | Customer satisfaction |
| Lemonade | Pet owners |
| Auto-Owners | Discounts |
What renters insurance covers in Los Angeles
Renters insurance can help protect you and the items in your home after a covered loss. Standard policies include the following three coverages:
Personal property coverage
Personal property coverage pays to replace your belongings after a covered event, like a fire, natural disaster, water damage from a burst pipe, or theft. Commonly eligible items include appliances, clothing, electronics, furniture, collectibles, and more.
Liability coverage
If you, your family, or your pet injures someone, personal liability coverage pays for legal fees or medical bills you may be responsible for. It also provides coverage if someone incurs an injury in your home.
Additional living expenses coverage
If your residence becomes uninhabitable due to a covered loss, loss of use coverage will pay for your alternative accommodations. For example, if you have to stay at a hotel while your unit receives repairs, insurance covers the increased cost of living during this time. Make sure to save all receipts.[2]
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Unique considerations for renters insurance in Los Angeles
Los Angeles has unique risks that can influence residents’ ability to get affordable renters insurance or qualify for coverage entirely.
Keep these considerations in mind when buying renters insurance coverage in Los Angeles:
Wildfires: While a standard policy covers structure fires, most Los Angeles insurance companies don’t cover wildfires, especially if you live in a high-risk zone. Renters in this area should review their policy to ensure it includes fire coverage.
Earthquakes: Renters insurance typically excludes earthquake coverage. So, you’ll need to purchase additional coverage from a company that offers it. A good place to start is your current insurer. If it doesn’t cover earthquakes, visit the California Earthquake Authority (CEA) website for a list of companies that offer CEA coverage.[3]
The California FAIR Plan: If you live in a disaster-prone area, you may face challenges obtaining coverage. This program helps by providing coverage to California renters who don’t qualify for insurance through the traditional marketplace.
How to save on renters insurance in Los Angeles
While renters insurance is typically affordable, it’s still an additional cost to budget for. You can find great rates without compromising on coverage as a California renter.
Here are a few ways to get cheap renters insurance in Los Angeles:
Bundle policies. You can earn a multi-policy discount on coverage if you buy more than one insurance product from the same company. You can bundle your renters policy with existing auto insurance coverage. If you have a pet, your insurer may also offer a pet insurance bundle for even more savings.
Increase your deductible. Selecting a higher deductible typically leads to lower monthly premiums. It’s important you can afford your chosen deductible up front if you need to file a claim.
Install security and safety systems. Safety features (such as smoke detectors and fire sprinklers) and security devices (such as deadbolt locks and alarm systems) keep your unit safe and lower your risk of claims. Many insurers even reward risk-mitigation features with renters insurance discounts.
Shop around. Comparing renters insurance quotes from at least three different companies can help you get the best deal in the market. Using a quote-comparison tool can save you time and simplify the process.
Renters insurance in Los Angeles FAQs
Renters insurance protects you and your items from covered risks like fires, heavy winds, and theft. The following information can help answer your remaining questions about renters insurance in Los Angeles.
Does Los Angeles require renters insurance?
Los Angeles doesn’t require renters to carry insurance by law, but your landlord or rental company may. It’s a good idea to check your lease to determine if you need insurance and how much.
How much renters insurance do you need in Los Angeles?
How much renters insurance you need in Los Angeles depends on the value of your items and your landlord’s insurance requirements. Perform a home inventory to calculate the total value of your belongings. Use this to determine how much personal property coverage you need. You should also have enough liability coverage to replace your assets. The Insurance Information Institute (Triple-I) recommends having at least $300,000 worth of protection, but you may need more.
How do you file a claim for renters insurance in Los Angeles?
How you file a claim for renters insurance in Los Angeles depends on your insurance company. Most insurers allow you to file a claim online or through a mobile app. Some companies may require you to call to file a claim. Before filing, be prepared to share relevant information about your case. You should have your policy number, incident details, and any pictures or video evidence. In the case of theft or vandalism, your insurer may ask you for a police report to prove the event occurred.
How much is renters insurance in Los Angeles?
The cost of renters insurance in Los Angeles depends on several factors, including your ZIP code, coverage amount, and claims history. In California, the cost of renters insurance is about $20 per month, or $238 per year, but this figure is likely higher in Los Angeles.
What is the most common amount for renters insurance?
It’s difficult to quantify a standard amount for renters insurance, as the value of someone’s personal property varies widely. State Farm reports that the average person has about $30,000 worth of belongings. Triple-I recommends carrying at least $300,000 of liability insurance protection. Again, it’s a good idea to conduct a home inventory and review your assets to determine how much liability and personal property coverage you’ll actually need.[4]
Sources
- Insurance Information Institute. "Your renters insurance guide."
- Insurance Information Institute. "Renters Insurance."
- California Earthquake Authority. "CEA Participating Earthquake Insurance Providers."
- State Farm. "How do I know how much renters insurance to buy?."
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Alani Asis
Alani Asis is a personal finance freelance writer with nearly three years of experience in content creation. She has landed bylines with leading publications and brands like Insider, Fortune, LendingTree, and more. Alani aims to make personal finance approachable through fun, relatable, and digestible content.
Alani has been a contributor at Insurify since January 2023.
Licensed auto and home insurance agent
3+ years experience in insurance and personal finance editing
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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