Expertise.com

2024

Last updated:

Best Renter's Insurance Companies in Modesto

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 Modesto 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.

78Reviewed

48Curated

5Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
3525 Mitchell Road, Ceres, CA 95307
  • Multiple Carriers
  • Multiple Policy Types

Why choose this provider?

Wyatt Insurance Agency is a full-service company assisting clients in Modesto and the surrounding areas. It offers renters' insurance policies with coverage options for fire, lightning, windstorm, hail, theft, and liability. More than that, the agents handle insurance products that cover owned homes, manufactured homes, farms, ranches, and rental properties. Protection for automobiles, motorcycles, and businesses is also available. Wyatt Insurance Agency has a Spanish-speaking staff member. The team has been serving the community since 1991.

License Verified:

License: 0C28210

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.
3.9
Google
4.0 / 5 (49)
Yelp
3.5 / 5 (11)
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
1532 Standiford Avenue, Modesto, CA 95350
  • Multiple Policy Types

Why choose this provider?

Nick Winters is a State Farm insurance agent serving personal and commercial clients in the Modesto area. He provides risk management solutions for renters and homeowners. He also offers life and health insurance coverage, as well as pet insurance options. Different commercial and property insurance options are also offered. He can also provide assistance with the clients' needs in banking, annuities, and mutual funds services. Additionally, Nick is fluent in both English and Spanish.

License Verified:

License: 0G96207

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.
4.3
Google
4.0 / 5 (38)
Facebook
5.0 / 5 (17)
Yelp
4.5 / 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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
1600 Sunrise Avenue, Modesto, CA 95350
  • Multiple Carriers
  • Multiple Policy Types

Why choose this provider?

Charlie Brown is a State Farm agent who serves clients in Modesto and the surrounding areas. He has been an insurance agent for over 35 years, providing renters' insurance coverage to help clients protect their belongings while renting. The agent also offers coverage for auto, homeowners, life, health, and business insurance. Additionally, Charlie is a Chartered Life Underwriter and a Chartered Advisor for Senior Living. He is a member of the Association of Insurance & Financial Advisors.

License Verified:

License: 0570559

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.
4.5
Facebook
4.5 / 5 (8500)
Google
3.0 / 5 (3)
Yelp
4.5 / 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
1505 G Street, Modesto, CA 95354
  • Multiple Carriers
  • Multiple Policy Types

Why choose this provider?

C-B Associates Insurance is an independent insurance agency in Modesto that offers personal and commercial insurance lines to clients in the metro. The firm has been in business since 1972 and specializes in home, business, and auto insurance products. It provides renters' insurance solutions that cover personal properties, liabilities, replacement of lost items, repair of damaged items, as well as injuries within the property. C-B Associates Insurance also provides rental property insurance coverage for landlords and property managers.

License Verified:

License: 0569505

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 (28)
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
400 12th Street, Modesto, CA 95354
  • Multiple Carriers

Why choose this provider?

Teresa Clutter Insurance Services is a family-owned and family-operated insurance agency that serves clients in Modesto and the surrounding communities. Its product line includes renters' insurance policies. Additionally, it offers bonds, earthquake, general liability, umbrella, and workers' compensation insurance plans. Condo, home, and property insurance solutions are also provided. The firm has been in the business since 2007. Its owner, Teresa Clutter, started her career in the insurance field in 1996. She is a member of the Lathrop Chamber of Commerce.

License Verified:

License: 0E50327

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.
4.9
Google
5.0 / 5 (30)
Facebook
5.0 / 5 (7)
Yelp
4.0 / 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

  • Are you required to get renters' insurance in Modesto?

    It depends. While the state of California does not require renters to obtain renters' insurance, there are landlords who make it a requirement as part of the lease agreement. But whether or not your landlord requires renters' insurance, it is always a wise idea to get some form of coverage to protect your personal property and you from liability.

  • Is getting renters' insurance in Modesto expensive?

    The rate of renters' insurance in Modesto highly varies. The amount is not fixed and is influenced by various factors, such as the type of coverage you choose, the deductibles you select, the condition of your rental, and the value of the possessions within the property you are renting. As of 2023, the lowest rate for renters' insurance you can get in the metro is $5 per month.

  • Are your belongings still covered by renters' insurance if they get stolen or damaged if you’re away from your rental?

    Yes. Most renters' insurance policies issued in Modesto cover damage or theft of your belongings even if you are not at home and are away from your actual rental space. It is recommended that you discuss this matter with your provider before you finalize your policy to ensure that your policy covers these kinds of concerns.

  • Are you covered by renters' insurance if you get injured at home in Modesto?

    No. You must understand that your renters' insurance policy in Modesto will not cover your medical expenses in the event that you get injured at home. Your renters' insurance policy, however, may cover the medical costs of a guest or non-resident who sustains injuries while on your rented property.

  • Is your temporary accommodation covered by your renters' insurance policy in Modesto if your apartment gets razed by a fire?

    In the event of a fire in your Modesto apartment, your renters' insurance policy may pay for your additional living expenses in the interim. Additional living expenses in this case may include lodging costs as well as meals since if you choose to stay in a hotel, cooking is not permitted.

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