Best and Cheapest Renters Insurance in Antioch, CA (2024)

The best renters insurance company in Antioch, California, is Nationwide, with a MoneyGeek score of 90 and an average annual premium of $102. The cheapest renters insurance provider is Capital Insurance Group, with a MoneyGeek score of 89 and an annual premium of around $67. The best and cheapest quotes are based on $20,000 in personal property coverage.

The best homeowners insurance provider should offer a balance of customer service with affordability. Depending on your needs, other providers may be best. MoneyGeek also looked into the best and cheapest renters insurance in California for those who live elsewhere in the state.

The best renters insurance in Antioch, California, is from Nationwide, with a MoneyGeek score of 90 out of 100 and an average annual premium of $102. The following providers are the top two best renters insurance providers in Antioch for a policy with $20,000 in personal property coverage, $100,000 in personal liability and a $1,000 deductible.

• Nationwide: MoneyGeek score of 90 out of 100 ($102 per year)
• State Farm: MoneyGeek score of 85 out of 100 ($121 per year)

Nationwide has perfectly balanced customer satisfaction and affordability, with an affordability score of 48 out of 55.

In Antioch, California, Capital Insurance Group offers the cheapest renters insurance, with an average annual premium of $67 for $20,000 in personal property coverage. The following providers are the top two cheapest providers in Antioch for $20,000 in personal property coverage and a $1,000 deductible. MoneyGeek rated the most affordable renters insurance in Antioch with minimal consideration for customer service.

• Capital Insurance Group: $67 per year
• Nationwide: $102 per year

Personal property coverage protects your belongings against risks like theft, fire and certain natural disasters. Cheap renters insurance policies often come with low personal property coverage limits. While higher coverage limits can lead to higher monthly costs, they provide better protection if you have many personal belongings.

Capital Insurance Group offers the best and cheapest renters insurance in Antioch, California. Its policy, with $20,000 in personal property coverage and a $2,000 deductible, has an average annual premium of $53. The following providers are the top options in Antioch for higher deductible policies:

• Capital Insurance Group: $53 per year
• Nationwide: $80 per year

A deductible is the amount you pay out of pocket before your insurance policy kicks in. Opting for a higher deductible usually results in cheaper insurance premiums. It's important to find a balance that suits your financial situation to ensure you can afford the premiums and any out-of-pocket costs that may arise if you need to file a claim.

Travelers is the best renters insurance company in terms of service quality in Antioch, California, with an average annual premium of $140. The following providers are the top two best in Antioch, California, for a policy with $20,000 in personal property coverage for those who value excellent customer service without considering affordability.

• Travelers: MoneyGeek score of 96 out of 100 ($140 per year)
• Nationwide: MoneyGeek score of 95 out of 100 ($102 per year)

Excellent customer service is important for renters looking for insurance because it means you get quick responses and efficient support when you make a claim, making a stressful situation more manageable. MoneyGeek scores renters insurance providers based on customer satisfaction from J.D. Power surveys, which assess service quality and reliability.

State Farm is the best renters insurance company for Antioch, California, for renters needing high personal property coverage. A policy with $100,000 in personal property coverage has an average annual premium of $263. For $100K in personal property coverage, the top two best providers in Antioch are:

• State Farm: MoneyGeek score of 92 out of 100 ($263 per year)
• Nationwide: MoneyGeek score of 91 out of 100 ($306 per year)

Renters with a substantial amount of belongings often require higher personal property coverage, which safeguards against loss or damage to personal items within the rental. As coverage increases, so typically does the cost, making it important to find a provider who delivers both affordability and excellent service. High-value items like jewelry or art might exceed standard policy limits and could necessitate additional coverage.

For renters with military backgrounds in Antioch, the top two providers for a policy with $20,000 in personal property coverage are:

• USAA: MoneyGeek score of 100 out of 100 ($135 per year)
• Nationwide: MoneyGeek score of 90 out of 100 ($102 per year)

USAA offers various products tailored to active military members, veterans and their families. Although other insurers may have lower premiums, USAA's specialized offerings make it a better overall choice for service members in most cases.

The average cost of renters insurance in Antioch, California, is $142 annually or $12 monthly. This rate is $6 cheaper than the California state average and $3 cheaper than the national average. These rates are based on a renters insurance policy with $20,000 personal property limits, $100,000 liability limits and a $1,000 deductible.

Remember that the average cost of renters insurance in Antioch may vary greatly depending on the amount of personal property coverage you purchase. Personal property coverage protects your belongings in case of damage or theft. Use the calculator below to see how much coverage you need based on the value of your personal property.

Various elements can influence the cost of renters insurance in Antioch, California. For instance, living near high-risk areas like flood zones or neighborhoods with higher crime rates can increase your premiums. The amount of coverage you choose will also affect your costs; more coverage generally means higher premiums. Understanding these factors is essential when searching for a renters insurance policy, as it helps you make informed decisions and potentially save money.

• Location: Proximity to high-risk areas like flood zones or high-crime neighborhoods can increase premiums due to the higher likelihood of claims.
• Coverage Amount: Higher coverage limits generally result in higher premiums because the insurer's potential payout is greater.
• Deductible: Choosing a higher deductible can lower your monthly premiums, but you will pay more out of pocket in case of a claim.
• Credit Score: A good credit score can lead to lower premiums, as insurers view you as a lower risk.
• Claims History: A history of frequent claims can result in higher premiums, as it indicates a higher risk to the insurer.

Renters insurance covers personal belongings, liability protection and additional living expenses. It protects against theft, damage and personal liability, making it a wise investment for renters. This coverage ensures you won't face financial hardship due to unexpected events. Below is a list of what renters insurance typically covers:

• Personal Property Coverage: This covers your belongings in case of damage or theft. For example, if a fire damages your apartment in California, your insurance can help replace your furniture and electronics.
• Personal Liability Coverage: This protects you if someone gets injured in your rental unit and you are found legally responsible. For instance, if a guest slips and falls in your California apartment, this coverage can help with legal fees and medical expenses.
• Loss of Use Coverage: This helps cover additional living expenses if your rental becomes uninhabitable due to a covered event. For example, if an earthquake renders your apartment in California uninhabitable, loss of use coverage can help pay for temporary housing and meals.

Renters insurance in Antioch does not cover everything; it typically excludes flood and earthquake damage. Here are some common exclusions:

• Flood Damage: Renters insurance does not cover damage caused by flooding.
• Earthquake Damage: Damage resulting from earthquakes is generally not covered.

The best renters insurance provider in Antioch, California, depends on your unique needs. We answered the frequently asked questions to help you make an informed decision.