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What does renters insurance cover in California?
I’m not sure if my renters insurance policy offers enough coverage to justify the price. Life is expensive in LA! What does renters insurance cover in California?
Bonnie Stinson · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
A standard renters insurance policy in California covers **specific items and specific incidents up to your policy limit.
Whether you live in Los Angeles, Redding, or somewhere in between, we can all agree that California is an amazing place to live—but accidents happen, even in paradise.
When it comes to items, most California renters policies will cover personal possessions like clothing, furniture, and electronics. Renters insurance will not cover work-related items (i.e., your company-owned laptop or the Cricut you use for your side hustle). Rare or valuable items are normally excluded, too.
Only specific perils are covered by your renters policy. Most policies cover lightning, wind, theft, fire, and some water damage. However, earthquakes and wildfires are two notable exclusions. You can get separate policies for these if you want.
If disaster strikes, your reimbursement amount will be subject to your deductible and capped by your policy limit.
You’ll also get valuable
liability protection
in case someone sues you after an accident in your home. Most policies include temporary living expenses via loss of use coverage if you have to move out due to a covered incident.We think it’s worth it! The average monthly cost of renters insurance in California is $16, which isn’t much when you consider all the benefits listed above.
Insurance can be stressful. If you want to shop around for a more affordable
renters policy
or if you have questions about insurance, use the Jerry
app. You can quickly compare rates from top companies and switch to another policy, all in seconds. Hope this is helpful!
MORE: Does renters insurance cover mold?
View full answer
- Gregory R.
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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
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