Expertise.com
2024

Last updated:

Best Renter's Insurance Companies in Carlsbad

Our Recommended Top 5

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Carlsbad Renter's Insurance Companies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

46

Reviewed

29

Curated

5

Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
640 Grand Avenue, Carlsbad, CA 92008
  • Multiple Policy Types

Why choose this provider?

John Altenbern has been working as an insurance agent for Farmers Insurance for more than 27 years. He offers various kinds of insurance products and services to individuals, families, and businesses in Carlsbad, using a straightforward and personalized approach. These include renters', auto, life, business, recreational, and umbrella insurance policies. This professional also extends his services to clients residing in California, North County, Nevada, and San Diego. Farmers Insurance's list of insurance carriers includes MetLife.

License Verified:

License: 0780527

California Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (12)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
6994 El Camino Real, Carlsbad, CA 92009
  • Multiple Policy Types

Why choose this provider?

Mike Giblin is an insurance agent who is affiliated with State Farm. He has been providing his services to clients located in Carlsbad and the surrounding areas for more than 40 years. He offers a wide range of insurance products covering homes, supplemental health, California earthquake authority, personal liability umbrella, and life. In addition, he also provides renters' insurance, which covers losses that result from accidents, loss of use, vandalism, fire, hail, or theft.

License Verified:

License: 0G66674

California Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Google
5.0 / 5 (21)
Yelp
4.0 / 5 (9)
Facebook
5.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
5814 Van Allen Way, Carlsbad, CA 92008
  • Multiple Policy Types

Why choose this provider?

The Crumbaker Agency is an independent insurance company that assists clients in Carlsbad. It offers property-related products, such as renters', condo, home, and flood insurance plans. The agency also crafts life, umbrella, earthquake, and personal articles insurance policies. In addition, it handles insurance matters concerning automobiles, motorcycles, RVs, and boats. Its owner, Brian Crumbaker, has over 20 years of property and casualty experience. He works alongside his wife Lorrie Crumbaker, the agency's principal, to craft customized solutions for their clients.

License Verified:

License: 0M31391

California Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (32)
Google
5.0 / 5 (17)
Yelp
5.0 / 5 (10)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.8
Responsiveness
Friendliness
Helpfulness
Detail

Website
2318 Pio Pico Drive, Carlsbad, CA 92008
  • Multiple Policy Types

Why choose this provider?

Dave Miller Insurance is a local and independently owned insurance agency. Based in Carlsbad, the agency serves the insurance needs of individuals, families, and businesses. Its renters’ insurance policy protects the policyholder and their family members against bodily injury and property damage. The company also offers vehicle, business, and life insurance products. As an independent agency, Dave Miller Insurance carries products from different insurance companies, including Allied, Commercial Travelers, Foremost, National General Insurance, and Infinity Insurance.

License Verified:

License: 0654812

California Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (3)
Google
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
3520 College Boulevard, Oceanside, CA 92056
  • Multiple Policy Types

Why choose this provider?

John Cho is a State Farm renters' insurance agent who serves clients from Carlsbad and nearby areas. He offers a wide range of insurance products for homeowners, condominium owners, and renters. Cho also provides various coverage options for health, vehicle, and life insurance products. For 32 years now, he has been leading the John Cho State Farm Agency, a full-service insurance and financial services agency committed to helping people manage the risks of everyday life.

License Verified:

License: 0C97003

California Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (374)
Yelp
5.0 / 5 (53)
Facebook
4.8 / 5 (17)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Frequently Asked Questions

  • What disasters are not covered under the renters' insurance policy in Carlsbad?

    In Carlsbad, renters' insurance policies do not typically protect against losses resulting from floods and earthquakes. However, individuals can either add the flood and earthquake policy as an endorsement or purchase a separate one from private providers or through the National Flood Insurance Program and the California Earthquake Authority. On the other hand, renters' insurance covers losses due to lightning, fire, and vandalism.

  • How much is the renters' insurance policy in Carlsbad?

    Tenants in Carlsbad can pay a renters' insurance premium between $84.58 and $247.32. However, the stated amount depends on various factors, such as the type of coverage, home location, age, and claims history. Policy buyers can also lower their premiums if they pay in full, purchase multiple products in one agency, have good credit scores, and have a secure property, including those with burglar alarm devices.

  • In Carlsbad, how much is the minimum coverage of renters' insurance?

    According to the California Department of Insurance, renters' policies in Carlsbad have a minimum coverage of $100,000 in personal liability and $1,000 in medical payments. On the other hand, the minimum coverage of personal property depends on the policy buyer per the provider's standards. Also, the loss of use coverage is 20% of the determined personal property amount.

  • Can a Carlsbad resident use a renters' policy on Airbnb?

    It depends. Residents in Carlsbad can use a renters' policy if they rent an Airbnb and it becomes their long-term residence. They can also use the policy to pay for additional costs of a temporary stay in Airbnb if they can't live in their apartment due to storms and fire. However, renters' insurance is not applicable for those using their home as a vacation rental and does not cover the damage their guest may cause.

  • Do landlords in Carlsbad require tenants to have renters' insurance?

    It is not legally required to carry a renters' insurance policy in Carlsbad, but landlords have the right to require one for their tenants. To do this, landlords must provide the renters' insurance requirement clause in the lease agreement, including the amount, types of policies, and penalties. Obtaining this policy can protect property managers from premises liability and cover the tenants' belongings losses from unforeseen situations.

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