Expertise.com

2024

Last updated:

Best Renter's Insurance Companies in Escondido

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 Escondido 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.

59Reviewed

37Curated

5Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
711 East Valley Parkway, Escondido, CA 92025
  • Multiple Policy Types

Why choose this provider?

Lupita's Insurance & Income Tax provides various insurance products and services to individuals, families, and property owners in Escondido. The company focuses on helping renters find insurance policies that best match their personal properties and specific needs. It also offers insurance coverage for car owners, homeowners, commercial properties, motorcyclists, and RV owners. Lupita's Insurance & Income Tax also specializes in income tax services and vehicle registration, such as current and previous year tax services, registration renewals, and title transfers.

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.
4.0
Google
4.0 / 5 (28)
Yelp
3.5 / 5 (3)
Facebook
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.
4.5
Responsiveness
Friendliness
Helpfulness
Detail

Website
133 South Escondido Boulevard, Escondido, CA 92025
  • Multiple Policy Types

Why choose this provider?

Tim Giblin is an insurance agent under State Farm. He has been providing his services to clients in Escondido and the surrounding areas since 1977. He offers a wide array of insurance products covering homeowners, auto, businesses, renters, life, and health. Renters insurance protects the client and his personal belongings. It also provides coverage for losses in case of accidents from fire or smoke, weather impacts like hail or lightning, loss of use, and theft.

License Verified:

License: 0539191

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.
4.0
Google
4.0 / 5 (53)
Yelp
3.0 / 5 (3)

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
500 La Terraza Boulevard, Escondido, CA 92025
  • Multiple Policy Types

Why choose this provider?

HJM Insurance Services, Inc., is a locally owned and operated insurance agency that serves clients in Escondido. It offers renters' insurance that provides coverage for policyholders' belongings and liabilities in the event of unexpected disasters like fires and theft. The agency covers insurance products for cars, boats, motorcycles, and recreational vehicles. The owner, Matt Speed, has more than 18 years of insurance experience. He has managed more than 1,000 agencies and knows how to work with both preferred and standard carriers.

License Verified:

License: 0L13142

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 (153)
Facebook
5.0 / 5 (19)
Yelp
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
11405 West Bernardo Court, San Diego, CA 92127
  • Multiple Policy Types

Why choose this provider?

With more than 30 years of experience, David Jaehnig is a local Farmers insurance agent who provides services to customers in Escondido and the surrounding areas. Included in the products he offers is renters' insurance which covers one's possessions in case of fire in the building. The plan also protects the clients in case of neighbors or guests filing suits for injuries. Additionally, renters' insurance covers the client's additional living expenses during a temporary relocation.

License Verified:

License: 0730484

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
Yelp
5.0 / 5 (24)
Google
5.0 / 5 (14)
Facebook
5.0 / 5 (5)

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
904 West San Marcos Boulevard, San Marcos, CA 92078
  • Multiple Policy Types

Why choose this provider?

Jesse Dix is a local agent at State Farm and a San Marcos Chamber of Commerce and San Marcos Rotary Club board member who serves Escondido and nearby service areas. He helps clients protect their valuables through the renters' insurance coverage. His other personal and commercial options include property, home, auto, and business insurance. In addition, Dix and his team of bilingual agents offer these services in Spanish. They also assist clients with annuities, banking products, and mutual funds.

License Verified:

License: 0I40687

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.
4.1
Google
4.0 / 5 (31)
Yelp
4.0 / 5 (22)
Facebook
5.0 / 5 (5)

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

FAQs

  • What are the most common claims filed under renters' insurance in Escondido?

    Renters in Escondido frequently file claims for theft-related losses, such as stolen electronics from apartments or vehicles. Another frequent claim is for third-party insurers' earthquake coverage, which is crucial in a region vulnerable to seismic activity. Renters also file for fire and smoke damage, which is especially important given the region's susceptibility to wildfires.

  • Why is earthquake insurance necessary for Escondido renters?

    Because standard renter's policies do not cover earthquake-related damages, earthquake insurance is required in Escondido. Renters must bear the full cost of replacing personal items and living expenses during restoration if they do not have this specific coverage. The California Earthquake Authority's new policies exclude damage from aftershocks within 15 days of the initial quake, but they do cover unrelated seismic events immediately after policy implementation.

  • How can renters in Escondido reduce their insurance premiums?

    People in Escondido can get multi-policy discounts, which are often big, by combining their auto and renters' insurance policies. This will lower their insurance costs. You could also choose a higher deductible to lower your monthly rates, but the deductible amount still needs to be manageable in case of a claim.

  • Is the liability insurance from your Escondido renters policy sufficient for lawsuits?

    Renters' insurance in Escondido typically includes liability coverage, which protects against lawsuits for bodily harm or property damage. Standard policies provide a minimum of $100,000 in liability coverage, with options for higher limits. Renters should consider whether their policy's liability limit adequately protects their assets in the event of legal action.

  • Does Escondido renters' insurance provide coverage for roof leaks?

    Roof leaks and other structural damage in Escondido are covered by the landlord's property insurance but not by a renter's policy. It does, however, provide tenants with financial security for personal items destroyed by such leaks, as well as related medical expenses for injuries sustained during an incident and additional living costs if the rental becomes unusable. It's a good idea to double-check the policy's coverage limits.

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