Expertise.com

2024

Last updated:

Best Renter's Insurance Companies in Oceanside

Our Recommended Top 3

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 Oceanside 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.

66Reviewed

40Curated

3Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

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

Why choose this provider?

Glenn Domingo is a Farmers Insurance agent who serves clients in Oceanside. He offers renters' insurance that provides coverage for policyholders' personal belongings and liabilities in case of a loss event. Glenn established Domingo & Associates, Farmers® Insurance agency on October 15, 1996. The agency earned its LUTCF designation in 2000 and has maintained a level of profitability for 17 years. To give back to the community, it has sponsored the Calavera Hills Elementary School Garden, helping children to grow some of their food.

License Verified:

License: 0B90729

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 (25)
Yelp
5.0 / 5 (7)
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
3548 Seagate Way, Oceanside, CA 92056
  • Multiple Policy Types

Why choose this provider?

Eric Opdahl is a State Farm agent who provides renters' insurance policies to clients in Oceanside and the surrounding areas. His renter's plans cover weather impacts, accidents, loss of use, and malicious mischief. In addition, he offers other insurance products such as auto, home, business, life, pet, and personal liability umbrella. He also assists clients in handling financial requirements for banking, annuities, and mutual funds. Eric operates his State Farm office in Oceanside, where he has also lived for over 25 years.

License Verified:

License: 0D35426

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.
4.8
Google
4.9 / 5 (63)
Facebook
4.5 / 5 (12)
Yelp
4.7 / 5 (11)

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
207 North Ditmar Street, Oceanside, CA 92054
  • Multiple Carriers
  • Multiple Policy Types

Why choose this provider?

Gateway Insurance Agency, Inc., is an independent company that provides insurance products and services in the Oceanside area. It is a renters' insurance service provider that offers property injury and property damage coverages. The company also accommodates clients who need assistance in purchasing other personal plans such as homeowners', landlord protection, auto, motorcycle, and auto insurance. Gateway Insurance Agency has been in the business since 1990. Its insurance specialists, Paul Gates and Paula Meeks, carry 35 years of combined experience in the industry.

License Verified:

License: 0H31753

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 (14)
Yelp
4.0 / 5 (4)

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 is the average cost of renters' insurance in Oceanside?

    On average, the cost of renters’ insurance in Oceanside ranges from $60 to $247.32 per year. This estimation is based on an individual who is 20 years old, unmarried, and without any insurance claims over the past five years. The quoted premium also takes into account coverage for medical payments up to $1,000 and personal property valued at $5,000. Prices differ among the various renters’ insurance providers operating in the area, including Allied, Mercury, and Safeco.

  • In the context of renters' insurance in Oceanside, what distinguishes replacement cost coverage from actual cash value coverage?

    An actual cash value policy for Oceanside renters covers the replacement of possessions after factoring in depreciation deductions. A replacement cost policy covers the cost of replacing personal belongings without considering depreciation. Although replacement cost coverage costs about 10% more, it can be beneficial since the value of most items depreciates rapidly.

  • What are some commonly overlooked discounts or incentives that Oceanside renters could take advantage of to reduce insurance expenses?

    Residents of Oceanside can reduce their insurance costs by acquiring both auto and renters' insurance from a single provider. Those renting properties can benefit from discounted rates on their plans by installing fire extinguishers and burglar alarm systems. Additionally, tenants can qualify for discounts by making full annual insurance payments.

  • What types of natural disasters are included and excluded from renters' insurance coverage in Oceanside?

    In Oceanside, renters' insurance covers lightning, explosions, and windstorms. Most policies exclude coverage for floods, and renters can obtain flood insurance from select private insurance providers or through the federal government's National Flood Insurance Program. Earthquakes also fall outside the coverage provided. Tenants have the choice to either acquire a separate policy for earthquakes or include it as an add-on to their existing policies.

  • When do Oceanside residents consider purchasing an umbrella liability policy as part of their renters’ insurance?

    Oceanside renters who need a large amount of liability protection should consider purchasing an umbrella liability policy. For an annual cost ranging between $150 and $300, renters can acquire a $1 million personal umbrella liability policy. This supplementary policy can also protect against potential risks like libel and slander. It becomes active once renters hit the cap on the basic liability coverage included in their standard renters’ insurance policies.

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