Expertise.com

2024

Last updated:

Best Renter's Insurance Companies in Irvine

Our Recommended Top 6

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 Irvine 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.

81Reviewed

51Curated

6Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

7700 Irvine Center Drive, Irvine, CA 92618
WebsiteLicense: 0H07352

Expertise.com Rating

Review Sources

Google
4.9 (63)
Yelp
5.0 (3)
Facebook
4.3 (1)

Why choose this provider?

Established in 2004, Clemente Insurance & Financial Services is an insurance agency that serves customers in Irvine and the surrounding communities. Its product line includes renters' insurance plans. It covers additional living expenses, liability claims, and personal properties. The company also offers auto, home, jewelry, personal umbrella, and pet insurance policies. Gino Clemente, the firm's founder, holds an LUTCF designation. He worked in the restaurant business for 25 years prior to opening his own agency.

  • Multiple Policy Types

1124 Main Street, Irvine, CA 92614
WebsiteLicense: 0F64150

Expertise.com Rating

Why choose this provider?

CDW Insurance Services is an independent agency that serves individuals, families, and businesses in Irvine and its surrounding areas. It specializes in providing homeowners’, auto, and commercial insurance policies. It also offers renters’ insurance, which provides coverage for fire and theft damage in a rented space. Other products include personal liability umbrella, artwork, and jewelry insurance policies. The company carries insurance products from different service providers, including National Flood, Bliss & Glennon, Foremost, Progressive, and Mercury.

  • Multiple Policy Types

1340 Reynolds Avenue, Irvine, CA 92614
WebsiteLicense: 0F19779

Expertise.com Rating

Review Sources

Google
5.0 (18)
Facebook
5.0 (5)
Yelp
5.0 (2)

Why choose this provider?

Morning Star Agency Insurance Services, Inc., helps clients in Irvine protect their personal properties through renters' insurance. This type of insurance policy covers medical payments, personal liability, damages to someone else’s property, and additional living expenses. It also offers a variety of other personal and business insurance plans, including permanent and term life insurance, motorcycle insurance, and workers' compensation insurance. Morning Star Agency Insurance Services, Inc., is a team of professionals with over 30 years of insurance experience.

  • Multiple Policy Types

25 Mauchly, Irvine, CA 92618
WebsiteLicense: 0726479

Expertise.com Rating

Review Sources

Yelp
5.0 (28)
Google
5.0 (26)

Why choose this provider?

Wally Shao is a licensed State Farm agent serving individuals, families, and businesses around the Irvine metro. For over 32 years, he has offered renters' insurance that covers accidents, malicious mischief, calamities, and loss of use. Aside from being a Century Club Qualifier, an Ambassador Travel Qualifier, and a Senior Vice President Qualifier, Wally participates in community service through the Make-A-Wish-Foundation. Furthermore, he and his team can accommodate clients who speak English, Mandarin, and Taiwanese.

  • Multiple Policy Types

3700 Campus Drive, Newport Beach, CA 92660
WebsiteLicense: 0M16727

Expertise.com Rating

Review Sources

Yelp
5.0 (21)
Facebook
5.0 (16)
Google
4.0 (8)

Why choose this provider?

Mike Ferraro Jr. is a State Farm insurance agency owner that serves clients in Irvine and its surrounding areas. He offers renters', home, and life insurance options. He also provides insurance solutions for autos and small businesses. He and his team accept weekend consultations and meetings on an appointment basis. He is a third-generational State Farm insurance agent, continuing his grandfather and father's history with the company. Mike Ferraro Jr. has been operating his agency for over five years.

  • Multiple Policy Types

17901 Von Karman Avenue, Irvine, CA 92614
WebsiteLicense: 0G87821

Expertise.com Rating

Review Sources

Facebook
5.0 (5)

Why choose this provider?

Founded in 2010, IronPoint Insurance Services, LLC serves clients in and around Irvine. It specializes in personal property, business, and auto insurance products. It offers renters’ insurance for individuals and families living in a rented house, condo, or apartment. It also offers life, umbrella, pet insurance policies and provides customized business insurance policies, including professional and product liability. IronPoint Insurance Services carries products from different insurance companies, such as Nationwide Insurance, Safeco Insurance, Travellers, and Progressive

  • Multiple Carriers
  • Multiple Policy Types

FAQs

  • How much does renters' insurance typically cost in Irvine?

    Renters' insurance in Irvine averages about $195 annually, proving it's reasonably priced. However, several elements, including the amount of coverage and location, influence the final premium. Residents with minimal and average possessions might secure around $5,000 in coverage for their assets, often costing them just a nominal monthly fee.

  • In Irvine, what's the distinction between actual cash value and replacement cost in renters' insurance?

    For Irvine renters, actual cash value means insuring belongings at their current, depreciated worth, like a two-year-old laptop's present market value. On the other hand, replacement cost ensures you get sufficient funds to buy a brand-new item, similar in kind and quality. Typically, ACV policies command lower premiums compared to those offering replacement cost coverage.

  • Is it possible for Irvine residents to transfer their renter's insurance to another individual?

    In Irvine, policyholders cannot assign their renters' insurance to another person. While adding a roommate to the existing policy is permissible, this can complicate claims. Given the affordability of renters' insurance, it's more straightforward for each roommate to maintain individual policies. Moreover, subletting doesn't allow for policy transfers; subtenants should secure their coverage.

  • How can Irvine residents transition their renters' insurance policy if they relocate?

    For those in Irvine, relocating doesn't necessitate canceling their current renters' insurance unless they're moving to a state without coverage from their insurer. It's essential to inform the insurance company about the new address, lease duration, landlord details, and any newly acquired valuable items. Remember, premiums might vary depending on the new ZIP code and city specifics.

  • Should Irvine residents include roommates' belongings in their renter's insurance policy?

    While residents in Irvine can cover a roommate's belongings on their insurance policy, it's advised against. Complications can arise, such as adjusting premiums if the roommate departs or distinguishing ownership of items like furniture and electronics. To sidestep potential conflicts and payment issues, each roommate should secure an individual policy for their possessions.

Related Articles

FeaturedHome-Remodel-Hero

Survey: COVID-19 Pandemic Leads to Surge in Demand for Renters Insurance

We surveyed 1,000 renters in the U.S. to see how the pandemic changed their thoughts about renters insurance, what they look ...