Best and Cheapest Renters Insurance in Santa Rosa, CA (2024)

The best renters insurance company in Santa Rosa, California is Allstate with a MoneyGeek score of 84 and an annual premium of $93. The cheapest renters insurance provider in Santa Rosa, California is Capital Insurance Group with a MoneyGeek score of 89 and an annual premium of $60.

The best homeowners insurance provider should offer a balance of customer service with affordability. Depending on your needs, other providers like Travelers, which excels in service quality with an annual premium of $142, may be more suitable. 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 Santa Rosa, California, is Allstate with a MoneyGeek score of 84 out of 100 and an annual premium of $93. The following providers are the two best renters insurance providers in Santa Rosa for a policy with $20,000 in personal property coverage, $100,000 in personal liability, and a $1,000 deductible.

• Allstate: MoneyGeek score of 84 out of 100 ($93 per year)
• State Farm: MoneyGeek score of 84 out of 100 ($121 per year)

Allstate perfectly balances customer satisfaction and affordability with an affordability score of 49 out of 55.

In Santa Rosa, California, Capital Insurance Group offers the cheapest renters insurance with an annual premium of $60 for $20,000 in personal property coverage. The two cheapest options, as rated by MoneyGeek with minimal consideration for customer service, are:

• Capital Insurance Group: $60 per year
• Allstate: $93 per year

Personal property coverage helps protect your belongings from theft, fire, and other covered perils. Cheap renters insurance policies often have low personal property coverage limits. While higher coverage limits can lead to higher monthly costs, they offer better protection if you have many personal belongings.

In Santa Rosa, 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 $47. The two cheapest providers are:

• Capital Insurance Group: $47 per year
• Allstate: $93 per year

A deductible is the amount you pay out of pocket before your insurance covers the rest, and it 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 your premiums and be prepared if you need to file a claim.

Travelers is the best renters insurance company for service quality in Santa Rosa, California, with an annual premium of $142. The following providers are the two best providers in Santa Rosa, 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 ($142 per year)
• Nationwide: MoneyGeek score of 95 out of 100 ($132 per year)

MoneyGeek scores renters insurance providers based on J.D. Power surveys, which evaluate customer satisfaction and service quality. Great customer service is important for renters looking for insurance because it ensures smooth and efficient handling of claims. When you make a claim, excellent customer service can make the process less stressful and more manageable.

State Farm offers the best renters insurance for Santa Rosa, California residents needing high personal property coverage, with an annual premium of $218 for a policy with $100,000 in personal property coverage. The two best providers in Santa Rosa are:

• State Farm: MoneyGeek score of 93 out of 100 ($218 per year)
• Travelers: MoneyGeek score of 89 out of 100 ($339 per year)

High personal property coverage ensures that renters have sufficient protection for their belongings, which can include furniture, electronics, clothing and more. Those with an extensive collection of personal belongings often require higher personal property coverage. This coverage is designed to protect the renter's possessions against risks like theft, fire or water damage.

Higher coverage levels typically result in higher premiums, so find a provider who offers a balance of cost and excellent service. High-value items such as jewelry or art might exceed standard policy limits and may necessitate additional coverage.

In Santa Rosa, USAA ranks first in renters insurance for those with military backgrounds. USAA is exclusively available for military members and offers a policy with $20,000 in personal property coverage. The following providers are the two best providers in Santa Rosa for military members:

• USAA: MoneyGeek score of 100 out of 100 ($205 per year)
• Allstate: MoneyGeek score of 84 out of 100 ($93 per year)

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

The average cost of renters insurance in Santa Rosa, California is $138 annually or $12 monthly, which is lower than the average cost of renters insurance in California at $148 per year. This makes Santa Rosa's average cost $10 cheaper annually than the state average and $7 cheaper than the national average of $145. These rates are based on a renters insurance policy with $20,000 personal property limits, $100,000 liability limits, and a $1,000 deductible.

The average cost of renters insurance in Santa Rosa 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 prices change based on the value of your personal property.

The cost of renters insurance in Santa Rosa, 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 Santa Rosa ultimately depends on your needs. Below are some common questions to help you make an informed decision.