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

The best renters insurance company in Roseville, California is Nationwide, with a MoneyGeek score of 88 and an annual premium of $124.
The cheapest provider in Roseville is Capital Insurance Group with a MoneyGeek score of 89 and an annual premium of $80.
The best homeowners insurance provider should offer a balance of customer service with affordability.

Depending on your needs, other providers may be best. Travelers excels in service quality with a MoneyGeek score of 96 and an annual premium of $147.
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 Roseville, California, is Nationwide with a MoneyGeek score of 88 out of 100 and an annual premium of $124. The following providers are the top two best renters insurance providers in Roseville for a policy with $20,000 in personal property coverage, $100,000 in personal liability, and a $1,000 deductible.

• Nationwide: MoneyGeek score of 88 out of 100 ($124 per year)
• Allstate: MoneyGeek score of 87 out of 100 ($93 per year)

The best provider in the city balances both cost and affordability.

In Roseville, California, Capital Insurance Group offers the cheapest renters insurance with an annual premium of $80 for $20,000 in personal property coverage. MoneyGeek rates the cheapest renters insurance in Roseville with minimal consideration for customer service.

The following providers are the top two cheapest in Roseville for $20,000 in personal property coverage and a $1,000 deductible.

• Capital Insurance Group: $80 per year
• Allstate: $93 per year

Personal property coverage protects your belongings, such as furniture and electronics, against risks like theft or fire. Cheap renters insurance policies often have low personal property coverage limits. Opting for higher coverage limits can increase monthly costs but provides better protection if you own many personal belongings.

In Roseville, 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 $63. The following providers are the top two cheapest providers in Roseville for $20,000 in personal property coverage and a $2,000 deductible:

• Capital Insurance Group: $63 per year
• Allstate: $93 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. It’s important to balance both to ensure you can afford the deductible if you need to file a claim. Choosing the right deductible can help you manage your insurance costs effectively.

Travelers is the best renters insurance company for service quality in Roseville, California, with an annual premium of $147. The following providers are the top two best in Roseville, California, 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 ($147 per year)
• Nationwide: MoneyGeek score of 95 out of 100 ($124 per year)

Great customer service is important for renters looking for insurance because it ensures a smooth claims process. For example, when you make a claim, excellent customer service means you receive timely and helpful assistance, making the experience less stressful.

Allstate is the best renters insurance company for those in Roseville, California, who need high personal property coverage, with an annual premium of $128 for a policy with $100,000 in coverage. High personal property coverage means insuring a large sum of personal items. For $100K in personal property coverage, the following providers are the top two best providers in Roseville:

• Allstate: MoneyGeek score of 90 out of 100 ($128 per year)
• State Farm: MoneyGeek score of 87 out of 100 ($276 per year)

Renters with a lot of belongings often need higher personal property coverage. This type of coverage protects your personal items against damage or theft. As coverage increases, so does the cost, making it important to find a provider offering a balance of cost and great service.

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

• USAA: MoneyGeek score of 100 out of 100 ($83 per year)
• Nationwide: MoneyGeek score of 88 out of 100 ($124 per year)

USAA offers a range of products tailored for those with a military background, providing discounts and coverages that suit the military lifestyle. USAA is ranked first in affordability in Roseville, making it the cheapest option for military members.

The average cost of renters insurance in Roseville is $142 annually, or $12 monthly. This is $6 cheaper than the California 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.

Renters, remember that the average cost of renters insurance in Roseville may vary greatly depending on the amount of personal property coverage you purchase. Personal property coverage protects your belongings, such as furniture, electronics, and clothing, in case of damage or theft. Use the calculator below to see how prices change based on the value of your personal property.

Various factors can influence the cost of renters insurance in Roseville, California. For example, living in a high-crime area can lead to higher premiums, while having a higher deductible can lower your costs. Understanding these factors is essential when shopping for a renters insurance policy, as it helps you make an informed decision tailored to your needs and budget. Below are some key factors that affect renters insurance costs:

• Location: Living in high-crime areas can increase premiums due to the higher risk of theft or vandalism. Conversely, safer neighborhoods may have lower rates.
• Coverage Amount: The more coverage you need, the higher your premium will be. This is because the insurer's risk increases with the amount of coverage.
• Deductible: A higher deductible can lower your premium. However, this means you will pay more out-of-pocket in the event of a claim.
• Credit Score: Insurers often use credit scores to assess risk. Poor credit can result in higher premiums, while good credit may lower your costs.
• Claims History: A history of frequent claims can lead to higher premiums. Insurers view a history of claims as an indicator of higher risk.

Renters insurance primarily protects your personal belongings from damage, but it also covers personal liability and loss of use. Here's a breakdown of what renters insurance covers:

• Personal Property Coverage: This protects your belongings from risks like fire or theft. For example, if a wildfire damages your apartment in California, this coverage helps replace your items.
• Personal Liability Coverage: This covers legal expenses if someone is injured in your rental. For instance, if a guest slips and falls in your California home, this coverage can help with medical bills and legal fees.
• Loss Of Use Coverage: This helps with additional living expenses if your rental becomes uninhabitable. If an earthquake renders your California apartment unlivable, loss of use coverage can pay for temporary housing.

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: While 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 Roseville ultimately depends on your needs. Below are answers to frequently asked questions to help you make an informed decision.