Expertise.com

2024

Last updated:

Best Renter's Insurance Companies in Richmond

Our Recommended Top 8

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 Richmond 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.

47Reviewed

31Curated

8Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
232 Broadway, Richmond, CA 94804
  • Home and Auto Insurance

Why choose this provider?

M.A. Hays Co. offers insurance products to clients in Richmond. It helps renters secure financial coverage for their possessions. Its renters' insurance products include coverage against damages caused by water, fire, and lightning. It also provides financial protection in case of vandalism, theft, and injury sustained by another while on the property. Nico Veran, a personal lines manager at M.A. Hays Co., has been working for the agency for more than 20 years. He is affiliated with The East Bay Independent Insurance Agents Association.

License Verified:

License: 0094750

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.
4.7
Facebook
4.8 / 5 (15)
Yelp
4.0 / 5 (4)
Google
5.0 / 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
3065 Richmond Parkway Suite 113, Richmond, CA 94806
  • Multiple Policy Types

Why choose this provider?

Since 2008, Fleming's Impacting U Insurance Services has been helping Richmond clients. It offers renters' insurance policies and educates individuals on personal property coverage matters. The company provides other personal insurance solutions, like life and motorcycle plans. It also sets up business insurance products, from commercial property to workers' compensation insurance. The company's founder, Terrell Fleming, has over two decades of experience in the insurance industry. She runs Finished in 52 Insurance School, an online and in-person training center to educate aspiring insurance agents.

License Verified:

License: 0D42329

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 (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
124 E. Blithedale Ave, Mill Valley, CA 94941
  • Home and Auto Insurance

Why choose this provider?

Mill Valley Insurance is a locally owned and operated insurance agency that serves both residential and commercial clients from Richmond and the surrounding areas. It provides renters' and tenants' insurance policies, which cover risks such as fire, theft, and vandalism. Its insurance policies also include liability coverage that safeguards clients from liabilities in case guests get injuries in their homes. The other insurance plans that it offers include landlord, auto, and life insurance. Mill Valley Insurance has been in operation for almost four decades.

License Verified:

License: 0642518

California Department of Insurance

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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
828 San Pablo Ave. Suite #201, Albany, CA 94706
  • Multiple Carriers

Why choose this provider?

GF Brown Insurance Service LLC assists Richmond clients with personal lines coverage. It provides personal insurance products such as renters', homeowners', condo, automobile, and RV insurance. Its independent agents also help clients with commercial lines insurances, including workers' compensation and builders' risk. They have a broad connection from various carriers in the country, which include BankersLife, Carolina Casualty, Colonial Life, and Empire company. The company's specialists walk clients through the process of securing life and medical insurance coverage, in addition to financial planning.

License Verified:

License: 0F09607

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 (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
12495 San Pablo Avenue, Richmond, CA 94805
  • Home and Auto Insurance

Why choose this provider?

Mervyn M Davis Insurance Agency, LLC., is a family-owned and locally operated independent insurance agency that serves Richmond and the surrounding areas. It provides renters' insurance policies, covering property theft or damage and bodily injury. Clients also have the choice to add full value coverage and medical payments coverage to their policy. The company offers other insurance products, including homeowners', condo, and landlord insurance. Mervyn M Davis Insurance Agency has been in operation for almost six decades.

License Verified:

License: 0M28190

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
Google
4.5 / 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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
6023 College Ave Ste 1, Oakland, CA 94618
  • Home and Auto Insurance

Why choose this provider?

Avail Insurance Solutions is a full-service insurance company that serves clients in Richmond and nearby metros. The firm assists individuals and families in finding the right renters' insurance policy that addresses their needs and is responsive to their lifestyle. As an independent insurance agency, the team represents multiple local and national carriers that can offer a variety of coverage options for dwelling, personal property, loss of use, additional living expenses, and personal liability. The company is also a certified Green Business.

License Verified:

License: 0G89287

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 (52)
Google
5.0 / 5 (8)

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
160 Pine St, San Francisco, CA 94111
  • Home and Auto Insurance
  • Multiple Carriers

Why choose this provider?

Deans & Homer provides renters' insurance assistance to its clients in the Richmond metro. It safeguards rental unit owners and apartment managers with proper insurance coverage. It provides personal liability coverage to its clients to avoid future financial burdens against unexpected disasters, such as fires, theft, roof leaks, and windstorms. It also provides details on its website on how to file claims. Deans & Homer was established in 1856 and is one of the oldest operating companies in California. Other insurance products include commercial and storage.

License Verified:

License: 0300517

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

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
185 Lennon Lane Suite 200, Walnut Creek, CA 94598
  • Multiple Carriers
  • Multiple Policy Types

Why choose this provider?

Diablo Valley Insurance Agency, Inc., is a full-service independent brokerage that has been serving the Richmond community since 1956. It helps tenants in finding renters' insurance coverage options to protect themselves, their families, and the personal belongings in the property. The policy can include the replacement cost of items that were damaged or stolen, medical payments for when an individual was injured in the client's residence, and legal defense if they are sued for property damage or bodily injuries.

License Verified:

License: 0C26181

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 (19)

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

  • Does Richmond require tenants to have renters' insurance?

    Renters' insurance is not legally required in Richmond and the rest of California, although landlords may require renters to obtain one as part of their rental agreement. This is to protect themselves from claims made by tenants if their rental property is damaged, rendered uninhabitable, or when someone is injured on the premises. Renters can also benefit from insurance for incidents such as guests' injuries or thefts that will occur in their rental units.

  • Are there specific items that may not be covered by renters' insurance in Richmond?

    Your renters' insurance in Richmond will not cover car theft or damage, even if the car is parked outside your rental unit. Items that were in your car when it was stolen, however, may be covered by renters' insurance. Additionally, insurance will not cover damage to your roommate's possessions unless they have been listed on your policy. Generally, insurers discourage the addition of roommates to policies except if they are spouses or relatives, as doing so will result in coverage being divided among all individuals named in the policy.

  • What are the main factors that influence the cost of renters' insurance in Richmond?

    Several factors will affect the cost of your renters' insurance premium, the most common being the location of the rental property or apartment. Another factor to consider is the coverage type and the desired level of personal belongings and liability protection for your policy. The amount of your deductible or out-of-pocket expense can also affect the cost of your Richmond renters' insurance policy.

  • Is an earthquake an included peril in Richmond renters' insurance?

    Typically, renters' insurance in Richmond does not provide coverage for earthquake damage to your rental home. You must obtain separate insurance for this kind of disaster because earthquakes are regrettably frequent in the state. Following an earthquake, however, fire damage must be covered by both homeowners' and renters' insurance, per California law.

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