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

The best renters insurance company in Glendale, California, is Travelers with a MoneyGeek score of 94 and an annual premium of $117. The cheapest renters insurance provider in Glendale, California, is Capital Insurance Group with a MoneyGeek score of 89 and an annual premium of $82.

The best homeowners insurance provider should offer a balance of customer service with affordability. Depending on your needs, other providers may be best. For example, Travelers is the best for service quality with an annual premium of $117. We also looked into the best and cheapest renters insurance in California for those who live elsewhere in the state.

The best renters insurance in Glendale, California, is Travelers, with a MoneyGeek score of 94 out of 100 and an annual premium of $117. The following providers are the two best renters insurance providers in Glendale for a policy with $20,000 in personal property coverage, $100,000 in personal liability, and a $1,000 deductible:

• Travelers: MoneyGeek score of 94 out of 100 ($117 per year)
• State Farm: MoneyGeek score of 90 out of 100 ($121 per year)

Travelers perfectly balances customer satisfaction and affordability with an affordability score of 51 out of 55.

In Glendale, California, Capital Insurance Group offers the cheapest renters insurance with an annual premium of $82 for $20,000 in personal property coverage. The following providers are the two cheapest providers in Glendale for $20,000 in personal property coverage and a $1,000 deductible, with minimal consideration for customer service by MoneyGeek:

• Capital Insurance Group: $82 per year
• Travelers: $117 per year

Personal property coverage protects your belongings in case of events like theft, fire, or water damage. Cheap renters insurance policies often have low personal property coverage limits. Higher personal property coverage limits can lead to higher monthly costs but offer better protection if you have many belongings.

In Glendale, California, Capital Insurance Group offers the cheapest renters insurance for a policy with $20,000 in personal property coverage and a $2,000 deductible, with an annual premium of $64. The following providers are the two cheapest providers in Glendale for $20,000 in personal property coverage and a $2,000 deductible:

• Capital Insurance Group: $64 per year
• Travelers: $94 per year

A deductible is the amount you pay out of pocket before your insurance kicks in and can affect your rates. A higher deductible often leads to cheaper premiums, while a lower deductible means higher premiums. Balance both to ensure you can afford the deductible if you need to file a claim. Renters should consider their financial situation and risk tolerance when choosing a deductible.

In Glendale, California, Travelers offers the best renters insurance for service quality with an annual premium of $117. The following providers are the two best in Glendale for a policy with $20,000 in personal property coverage, for those who value great customer service without considering affordability.

• Travelers: MoneyGeek score of 96 out of 100 ($117 per year)
• Nationwide: MoneyGeek score of 95 out of 100 ($141 per year)

MoneyGeek scores renters insurance providers based on J.D. Power surveys, which measure customer satisfaction and service quality. Great customer service is important for renters looking for insurance, becasue it ensures smooth and efficient claims processing. For example, when you make a claim, excellent customer service can help you navigate the process quickly and get your compensation without hassle.

In Glendale, California, Travelers offers the best renters insurance for those needing high personal property coverage, with an annual premium of $284 for a policy with $100,000 in personal property coverage. For $100,000 in personal property coverage, the two best providers in Glendale are:

• Travelers: MoneyGeek score of 97 out of 100 ($284 per year)
• State Farm: MoneyGeek score of 93 out of 100 ($307 per year)

High personal property coverage means insuring belongings for amounts greater than the standard policy limits. Renters with a substantial amount of personal belongings often require higher personal property coverage. This coverage protects items like furniture, electronics, and clothing from theft, damage, or loss.

As coverage limits increase, so does the cost, underscoring the importance of selecting a provider that delivers both affordability and exemplary service. Additionally, high-value items such as jewelry or art typically aren't covered under standard renters insurance policies and may necessitate additional coverage.

USAA is the top-ranked renters insurance company in Glendale, exclusively serving those with military backgrounds. The following providers are the two best providers in Glendale for veterans for a policy with $20,000 in personal property coverage.

• USAA: MoneyGeek score of 100 out of 100 ($187 per year)
• Travelers: MoneyGeek score of 94 out of 100 ($117 per year)

USAA offers a range of products tailored for those with a military background, providing discounts and coverages that suit the military lifestyle.

The average cost of renters insurance in Glendale, California is $162 per year, which breaks down to $13 per month. This is higher than the average cost of renters insurance in California, which is $148 annually. Compared to the national average of $145, Glendale's cost is $17 more expensive per year. These rates are based on a renters insurance policy with $20,000 personal property limits, $100,000 liability limits, and a $1,000 deductible.

Renters should note that the average cost of renters insurance in Glendale may vary greatly depending on the amount of personal property coverage you purchase. Personal property coverage protects your belongings in case of theft, fire, or other covered events. Use the calculator below to see how prices change based on the value of your personal property.

The cost of renters insurance in Glendale, California, is influenced by multiple factors, including the location of the rental property and the amount of coverage desired. Understanding these variables is key to finding a policy that fits your budget and needs.

• Location: The area where you live can affect your premium due to crime rates and weather-related risks.
• Coverage Amount: Opting for higher coverage limits will increase your insurance costs.
• Deductible: Choosing a higher deductible can lower your monthly premium, but you'll pay more out of pocket in the event of a claim.
• Claims History: Renters with a history of claims may face higher premiums due to a higher perceived risk by insurance companies.
• Credit Score: Insurance companies may factor in your credit history when determining your premium, with better credit records often leading to lower costs.

Renters insurance primarily provides coverage for your personal belongings, but it also covers additional areas such as liability and living expenses if your rental is rendered uninhabitable. Here’s what a typical policy includes:

• Personal Property Coverage: This covers the cost to repair or replace your belongings if they're damaged or stolen. For instance, a renter in Texas may receive compensation for a stolen laptop.
• Personal Liability Coverage: This protects you financially if a guest is injured in your rental or you cause property damage. A Texas renter could use this coverage if a guest slips and falls in their apartment.
• Loss of Use Coverage: This helps with additional living expenses if your rental is unlivable due to a covered peril. A renter might rely on loss of use coverage to pay for a hotel stay after a fire.

Although renters insurance provides a financial safety net, it doesn't shield against every mishap. For instance, it typically excludes flood damage and your roommate's possessions.

• Natural Disasters: Standard renters insurance often does not cover damage from earthquakes or floods.
• Roommate's Belongings: Personal property coverage does not extend to items owned by a roommate unless they are listed on the policy.
• High-Value Items: Expensive jewelry or electronics may exceed the policy's limit and require additional coverage.
• Business Equipment: Property used for business purposes might not be covered under a standard renters insurance policy.
• Pest Damage: Infestations and damage from pests like bed bugs or rodents are usually not covered.
• Car Theft: Although personal property stolen from your car may be covered, the theft of the car itself is not.

The best renters insurance provider for you in Glendale ultimately depends on your specific needs. Below, we address some common questions to help guide your decision.