Home and renters insurance in California

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Homeowners coverage

Protection for your home and what’s inside

Exact coverage depends on the policy, carrier, state, limits, and exclusions.

Dwelling

Helps repair or rebuild the home after a covered loss, subject to the policy.

Personal property

Helps protect belongings such as furniture, clothing, and electronics.

Personal liability

Protection for certain claims involving injury or property damage to others.

Loss of use

May help with additional living costs while a covered home is uninhabitable.

What insurers consider — homeowners

What shapes your home insurance quote

Rating and underwriting vary, but these are common considerations.

A California home opening onto a leafy back garden and timber deck
Protection for the place you call home.
  1. Replacement cost
  2. Roof age and construction
  3. Location and protection class
  4. Prior claims
  5. Deductible selection
Renters coverage

Make yourself at home. Protect what’s yours.

Your landlord covers the building. Renters insurance covers what's yours.

Your belongings

Helps cover personal property after certain losses such as theft or fire.

Personal liability

May help with covered injury or property-damage claims against you.

Loss of use

May cover additional living expenses after a covered loss.

Medical payments

Limited protection for certain guest injuries, regardless of fault.

What insurers consider — renters

What shapes your renters insurance quote

Rating and underwriting vary, but these are common considerations.

A bright apartment dining corner with an oak table and bookshelves
Coverage for the belongings that make a place yours.
  1. Property value
  2. Liability limit
  3. Deductible
  4. Residence location
  5. Prior losses
Customer stories

What property coverage looks like in practice

Representative experiences from customers who found coverage through QuoteMe.

Moving to a new home meant finding new coverage fast. After finishing the QuoteMe request, my agent had options ready within minutes. Completely painless.

I'd been with the same carrier for a decade without reviewing my policy. Went through QuoteMe and found better coverage at a lower premium. Should have done it years ago.

The renters quote was the easiest part of my move. The agent answered all my questions about liability limits and I felt genuinely covered before my lease started.

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Helpful context

Common home and renters questions

Is market value the same as replacement cost?

No. Replacement cost focuses on rebuilding the structure and does not include land value.

Can I bundle home and auto?

Many insurers offer multi-policy opportunities, but availability and savings vary by carrier and eligibility.

What about detached structures?

Many policies include limited coverage for structures such as a detached garage or shed; limits and exclusions vary.

Does my landlord’s policy cover my belongings?

A landlord’s policy usually covers the building, not a tenant’s personal property.

Are roommates covered?

Roommates are not automatically insured under every policy. Ask an agent how each resident should be listed.

Can renters and auto be bundled?

Bundling may be available depending on the carrier, state, and policy eligibility.