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Bright coverage for California renters

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Student Discounts

Special rates for college students

Military Savings

Discounts for active and veteran military

First Renter Special

Extra support for first-time renters

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About Affordable Renters Insurance California

At Affordable Renters Insurance California, we believe quality coverage shouldn’t break the bank. We work with young renters and first-time renters across California rental markets to find the sweet spot between comprehensive protection and affordable premiums. Smart coverage, honest prices — that’s our promise.

California Insurance License #OB75129

Affordable Renters Insurance California | CA License #OB75129

825 South Barrington Avenue, Suite 200, Los Angeles, CA 90049

(877) 411-5200 | Mon–Fri, 9:00 AM – 5:00 PM PST

Frequently Asked Questions

What does renters insurance cover in California?

Renters insurance covers your personal belongings, your personal liability, and additional living expenses if a covered loss makes your rental unlivable. Your landlord's policy covers the building itself — it does not cover anything you own.

Is renters insurance required in California?

No state law requires it, but many California landlords require it in the lease, and they're allowed to. Even when it's optional, it's one of the least expensive policies you can buy relative to what it protects.

Does renters insurance cover my roommate?

Generally no. A policy covers the named insured and household family members — an unrelated roommate usually needs their own policy unless the carrier allows them to be added by name.

How do I get renters insurance quickly?

You typically need your address, an estimate of what your belongings are worth, and a few minutes. Most policies can be issued same-day with proof of coverage sent to your landlord. Call (877) 411-5200 and it can usually be handled in one call.

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