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

State Farm is the best renters insurance company in Visalia, California, with a MoneyGeek score of 86 and an average annual premium of $121. Capital Insurance Group is the cheapest renters insurance provider in Visalia, California, with a MoneyGeek score of 89 and an average annual premium of $77. The best and cheapest quotes are based on $20,000 in personal property coverage.

The best renters 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.

State Farm is the best renters insurance provider in Visalia, California, with a MoneyGeek score of 86 out of 100 and an average annual premium of $121. These are the top two best renters insurance providers in Visalia for a policy with $20,000 in personal property coverage, $100,000 in personal liability and a $1,000 deductible:

• State Farm: MoneyGeek score of 86 out of 100 ($121 per year)
• Travelers: MoneyGeek score of 84 out of 100 ($146 per year)

State Farm has perfectly balanced customer satisfaction and affordability, with an affordability score of 46 out of 55.

In Visalia, California, Capital Insurance Group offers the cheapest renters insurance, with an average annual premium of $77 for $20,000 in personal property coverage. The following providers are the top two cheapest in Visalia for $20,000 in personal property coverage and a $1,000 deductible. MoneyGeek rated the cheapest renters insurance with minimal consideration for customer service.

• Capital Insurance Group: $77 per year
• Allstate: $107 per year

Personal property coverage helps protect your belongings in case of theft, fire or other covered events. Cheap renters insurance policies often have low personal property coverage limits. Higher personal property coverage limits can lead to higher monthly costs, but they provide better protection if you have many personal belongings.

In Visalia, California, Capital Insurance Group offers the cheapest renters insurance for a policy with $20,000 in personal property coverage and a $2,000 deductible at an average annual premium of $60. The following providers are the top two cheapest in Visalia for $20,000 in personal property coverage and a $2,000 deductible:

• Capital Insurance Group: $60 per year
• Allstate: $107 per year

A deductible is the amount you pay out of pocket before your insurance coverage kicks in, 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; a higher deductible can save you money on premiums but will cost more if you need to file a claim.

In Visalia, California, Travelers is the best renters insurance company for service quality, with an average annual premium of $146. The following providers are the top two best options for a policy with $20,000 in personal property coverage, focusing on great customer service without considering affordability:

• Travelers: MoneyGeek score of 96 out of 100 ($146 per year)
• Nationwide: MoneyGeek score of 95 out of 100 ($147 per year)

Excellent customer service is important for renters because it ensures a smooth experience when filing a claim, making the process less stressful and more efficient. MoneyGeek scores renters insurance providers based on customer satisfaction surveys from J.D. Power, which evaluate service quality and overall satisfaction.

State Farm stands out for renters in Visalia, California, needing substantial personal property coverage. It has an average annual premium of $284 for a policy with $100,000 in personal property coverage. The top two best providers in Visalia for $100K in personal property coverage are:

• State Farm: MoneyGeek score of 92 out of 100 ($284 per year)
• Travelers: MoneyGeek score of 91 out of 100 ($348 per year)

Renters with a large collection of belongings typically need higher personal property coverage, which is insurance for items like clothes, electronics and furniture. More coverage usually means higher costs, so it's important to find a provider who offers a good balance of affordability and excellent service. Remember that high-value items such as jewelry or art might not be fully covered under a standard policy and may require additional coverage.

In Visalia, USAA is the top-ranked renters insurance company for those with military backgrounds, with an average annual premium of $84. These are the top two best providers for military members in Visalia for a policy with $20,000 in personal property coverage:

• USAA: MoneyGeek score of 100 out of 100 ($84 per year)
• State Farm: MoneyGeek score of 86 out of 100 ($121 per year)

USAA offers a range of products tailored for those with a military background, offering discounts and coverages that suit the military lifestyle. It is the second most affordable option for military members in Visalia.

The average cost of renters insurance in Visalia, California, is $145 annually or $12 per month. This rate is slightly cheaper than the California state average of $148 annually and aligns closely with the national average of $145 annually. These rates are based on a renters insurance policy with $20,000 in personal property limits, $100,000 in liability limits and a $1,000 deductible.

Renters should remember that the average cost of renters insurance in Visalia 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 factors influence the cost of renters insurance in Visalia, California. For example, the neighborhood's crime rate and the risk of natural disasters can significantly impact premiums. Additionally, the amount of coverage you choose will affect your overall cost. Understanding these factors is essential when shopping for renters insurance, as it helps you find a policy that fits your budget and coverage needs. Below are some key factors that can affect renters insurance costs:

• Location: Premiums can vary based on the neighborhood's crime rate and risk of natural disasters. Areas with higher crime rates or frequent natural disasters often have higher premiums.
• Coverage Amount: Higher coverage limits generally lead to higher premiums. More coverage means the insurer has more risk, which increases the cost.
• Deductible: A higher deductible can lower the premium but increases out-of-pocket costs in the event of a claim. Choosing a higher deductible can be a way to save on monthly costs.
• Credit Score: Insurers often use credit scores to determine risk levels, which affects premium costs. A higher credit score can result in lower premiums.
• Claims History: A history of frequent claims can result in higher premiums. Insurers may view frequent claims as a higher risk, leading to increased costs.

Renters insurance provides coverage for personal property, liability and additional living expenses. It protects your belongings against theft, fire and certain natural disasters. Purchasing renters insurance safeguards your belongings and offers financial security. Here’s a breakdown of what renters insurance covers:

• Personal Property Coverage: This coverage protects your personal items from damage or theft. For example, if a fire damages your apartment in California, this coverage helps replace your belongings.
• Personal Liability Coverage: This covers legal expenses if you’re responsible for injuries or property damage. If a guest slips and falls in your California rental, this coverage helps with medical bills and legal fees.
• Loss of Use Coverage: This coverage provides funds for temporary housing if your rental becomes uninhabitable due to a covered event. For instance, if an earthquake renders your California apartment unlivable, loss of use coverage helps pay for hotel stays.

Renters insurance in Visalia does not cover everything. For instance, it typically excludes high-value items beyond a certain limit and damages from natural disasters. Here's a closer look at what renters insurance doesn’t cover:

• High-Value Items: Coverage for expensive items like jewelry or electronics is limited.
• Natural Disasters: Damages from events like floods or earthquakes are not included.
• Pest Infestations: Issues caused by pests such as bedbugs or rodents are excluded.
• Roommate Belongings: Your policy does not cover items owned by your roommates.
• Vehicle Theft or Damage: Personal vehicles are not covered under renters insurance.
• Business Equipment: Equipment used for business is not typically covered.

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