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Renters Insurance Rates to Rise 10% for 135K+ California Renters

State regulators approved the increase retroactively to July 1, 2025.

Evelyn Pimplaskar
Evelyn PimplaskarEditor-in-Chief, Director of Content
  • 10+ years in insurance and personal finance content

  • 30+ years in media, PR, and content creation

Evelyn leads Insurify’s content team. She’s passionate about creating empowering content to help people transform their financial lives and make sound insurance-buying decisions.

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Chris Schafer
Edited byChris Schafer
Chris Schafer
Chris SchaferDeputy Managing Editor, News and Marketing Content
  • 15+ years in content creation

  • 7+ years in business and financial services content

Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.

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MacKenzie Korris
Reviewed byMacKenzie Korris
MacKenzie Korris
MacKenzie KorrisInsurance Copy Editor

MacKenzie Korris is an insurance copy editor with a producer’s license for property and casualty insurance in Missouri. He has years of experience in print and digital media, and strives to craft actionable, inclusive copy that fosters smart decision-making through reader autonomy. He has a journalism degree from Saint Louis University.

Published | Reading time: 1 minutes

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More than 135,000 California renters with insurance through CSAA Insurance Exchange will see their rates climb 10%, after the California Department of Insurance (CDOI) approved the rate hike requested by the insurer.

The increase, retroactive to July 1, will boost average premiums by $179 to $209 per year, according to CSAA’s filing with the CDOI. But many policyholders will see annual increases of less than $10. Some will see no increase at all.

Approximately 117,000 policyholders face an average annual premium increase of $12. Another roughly 7,250 could see their premiums rise by $21 annually.

Additional changes to CSAA renters policies

Besides approving the rate increase, the CDOI also gave the OK for CSAA to implement a number of changes to its renters policies, including:

  • Excluding from coverage additional “vicious” dog breeds and dogs with a history of biting

  • No longer covering personal property of a policyholder’s roommate

  • Excluding coverage for cryptographic assets like cryptocurrencies

  • No longer covering criminal liability and sexual assault liability

  • Excluding certain classes of e-bikes from coverage and sublimiting other classes of e-bikes

  • Excluding coverage for losses from solar disturbances and from constant or repeated seepage

What’s next?

The policy changes, including the rate increase, take effect July 1, 2025, and will apply to all policy renewals and new policies issued on or after that date.

Evelyn Pimplaskar
Evelyn PimplaskarEditor-in-Chief, Director of Content

Evelyn Pimplaskar is Insurify’s director of content. With 30-plus years in content creation – including 10 years specializing in personal finance – Evelyn’s done everything from covering volatile local elections as a beat reporter to building fintech content libraries from the ground up.

Before joining Insurify, she was editor-in-chief at Credible, where she launched and developed the lending marketplace’s media partnership’s content initiative and managed the restructuring of the editorial team to enhance content production efficiency. Formerly, as tax editor for Credit Karma, Evelyn built a library of more than 300 educational articles on federal and state taxes, achieving triple-digit year-over-year growth in e-files from organic search.

Her early career included work as a content marketer, vice president and managing officer of a boutique public relations agency, chief copy editor for 14 weekly Forbes publications, reporting for large and mid-sized daily newspapers, and freelancing for the Associated Press.

Evelyn is passionate about creating personal finance content that distills complex topics into relatable, easy-to-understand stories. She believes great content helps empower readers with the information they need to make important personal finance decisions.

Chris Schafer
Edited byChris SchaferDeputy Managing Editor, News and Marketing Content
Chris Schafer
Chris SchaferDeputy Managing Editor, News and Marketing Content
  • 15+ years in content creation

  • 7+ years in business and financial services content

Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.

Featured in

media logomedia logomedia logomedia logo
MacKenzie Korris
Reviewed byMacKenzie KorrisInsurance Copy Editor
MacKenzie Korris
MacKenzie KorrisInsurance Copy Editor

MacKenzie Korris is an insurance copy editor with a producer’s license for property and casualty insurance in Missouri. He has years of experience in print and digital media, and strives to craft actionable, inclusive copy that fosters smart decision-making through reader autonomy. He has a journalism degree from Saint Louis University.