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2024

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Best Renter's Insurance Companies in Hayward

Our Recommended Top 4

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 Hayward 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.

61Reviewed

38Curated

4Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
14620 East 14th Street, San Leandro, CA 94578
  • Multiple Policy Types

Why choose this provider?

Rynda's #1 Insurance Services, Inc., is an insurance company with locations in San Leandro and Sacramento. Serving clients in Hayward and the surrounding areas, the company provides a wide range of property insurance types, including renters' insurance, home insurance, condo insurance, and mobile home insurance. Additionally, it offers insurance for vehicles, such as motorcycles, snowmobiles, RVs, and boats. Other insurance products available at the company include health, dental, life, commercial, and contractor, and general liability insurance.

License Verified:

License: 0F13005

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 (21)
Facebook
5.0 / 5 (3)
Yelp
1.0 / 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
32145 Alvarado-Niles Road, Union City, CA 94587
  • Multiple Policy Types

Why choose this provider?

Hera Tong Gutierrez is an insurance agent of State Farm who offers a wide variety of insurance solutions to clients in Hayward. She helps her clients avail of renters' insurance to protect their belongings in cases of malicious mischief, accidents, weather impacts, or loss of use. These belongings can include TVs, electronics, bikes, and clothing. Gutierrez and her team also assist with additional premiums for items or situations not covered by the insurance. She also serves as the founder of the Asian Business Alliance.

License Verified:

License: 6002814

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 (43)
Yelp
5.0 / 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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
22576 Mission Boulevard, Hayward, CA 94541
  • Multiple Policy Types

Why choose this provider?

SaveGuard Insurance Agency is a Hayward-based insurance provider that offers renters' insurance plans for individuals and families. Its renters' insurance policies protect damaged or lost personal possessions, such as clothes, small appliances, furniture, and electronics. Additionally, its plan includes additional living expenses and liability claims. The agency's insurance professionals also provide other personal lines insurance, including auto, home, umbrella, and SR22 insurance plans. Its business clients can also select on the agency's different commercial lines 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.
4.9
Google
5.0 / 5 (27)
Facebook
4.8 / 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
2209 American Avenue, Hayward, CA 94545
  • Multiple Carriers

Why choose this provider?

Serving the Hayward metro and the surrounding communities, J and M Insurance is an independent agency that provides personalized insurance coverages through a network of more than 25 carriers. It caters to families and individuals who need assistance in purchasing renters' insurance plans. In addition, the company's agents help clients acquire other plans such as life, umbrella, auto, small business, and general liability insurance. J and M Insurance brings over 25 years of experience in the industry.

License Verified:

License: 0E99975

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 (2)
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.
4.5
Responsiveness
Friendliness
Helpfulness
Detail
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FAQs

  • Is it advisable for low-income renters in Hayward to acquire renters' insurance?

    Yes, low-income renters in Hayward are advised to secure renters' insurance. This insurance is crucial as it compensates for personal property losses or damages that are not covered by the landlord's insurance policy. It also provides loss of use benefits, personal liability protection, and medical payments to others, offering a comprehensive safety net.

  • Does renters' insurance in Hayward include coverage for earthquakes?

    No, a standard renters' insurance policy does not cover damage from earthquakes. Renters in Hayward interested in this protection should enhance their policy with an earthquake endorsement or obtain specific coverage through the California Earthquake Authority. This additional coverage can be an affordable and valuable option for tenants in Hayward.

  • Does renters' insurance in Hayward offer protection against wildfire damage?

    In Hayward, renters' insurance plans usually offer protection against fire and lightning-related damage, which also covers wildfires. However, individuals residing in wildfire-prone areas should check with their insurance carriers to ensure their policies are inclusive of such damage. It's imperative to verify coverage as insurers won't cover certain areas due to the heightened risk of significant and expensive losses.

  • What alternative can Hayward renters consider if their renters' insurance policy does not cover wildfires?

    If their renters' insurance doesn't cover wildfires, Hayward tenants can turn to the California FAIR plan. This state-sponsored option is available to individuals who cannot get insurance from other providers. For more extensive protection, residents may need to obtain a "difference in conditions" policy to cover conditions not included in the FAIR plan.

  • Does renters' insurance in Hayward cover temporary relocation due to uninhabitable conditions caused by storms?

    Yes, renters' insurance generally covers the costs for temporary relocation if a natural disaster, such as a severe storm, makes a dwelling uninhabitable. This provision also applies to water damage caused by burst pipes. It's advised for renters in Hayward to consult their insurance providers for the exact coverage details.

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