Expertise.com

2024

Last updated:

Best Renter's Insurance Companies in San Bernardino

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 San Bernardino 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.

82Reviewed

50Curated

4Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
2075 East Highland Avenue, San Bernardino, CA 92404
  • Multiple Policy Types

Why choose this provider?

Foco Insurance handles the insurance needs of individuals and families in San Bernardino. The agency has more than a decade of experience helping renters and property owners with their insurance requirements, which typically cover theft, water backup damage, certain natural disasters, and bodily injuries. It also provides insurance coverage for auto, SR-22, homes, recreational vehicles, boats, and general liability. Foco Insurance is committed to following its mission statement, which is to build relationships through honesty and transparency.

License Verified:

License: 6003458

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 (89)
Facebook
5.0 / 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

Website
1254 South Waterman Avenue, San Bernardino, CA 92408
  • Multiple Policy Types

Why choose this provider?

MCG Service LLC was founded in 2016 and has since provided financial and insurance services to individuals and businesses in the San Bernardino area and other nearby cities. It offers renters' insurance to tenants in apartments, condos, townhouses, duplexes, mobile homes, and rowhouses. The company also helps car owners enroll in the California low-cost insurance program. In addition, it assists its clients in acquiring various life insurance policies and Medicare Advantage insurance coverage. MCG Service LLC also offers notary services.

License Verified:

License: 6001951

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 (3)
Google
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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
1264 South Waterman Avenue, San Bernardino, CA 92408
  • Multiple Policy Types

Why choose this provider?

Sublime Insurance Services is an insurance agency that specializes in saving money on insurance coverages for auto, home, RV, recreational toys, and commercial. The company has been serving the community of San Bernardino and the surrounding area since 2016. Sublime Insurance Services helps clients secure coverage for their insurance needs, such as renters' insurance packages. Additionally, the company assists clients with their car registration or renewal. Its agents are fluent in ASL and can speak Spanish.

License Verified:

License: 0L03351

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.
4.2
Google
4.0 / 5 (15)
Facebook
5.0 / 5 (2)
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
935 South Mount Vernon Avenue, Colton, CA 92324
  • Multiple Policy Types

Why choose this provider?

Yolanda Vasquez-Meier is a bilingual insurance agent for State Farm, serving English and Spanish-speaking clients in San Bernardino. Active since 1987, she offers renters' insurance policies for tenants in condos, apartments, and other rental properties. Yolanda can process claims online and issue insurance IDs for her customers. She can also add coverages for specific concerns like stolen possessions, vandalism, and structural damage by extreme weather. Yolanda's other insurance products include life, auto, and business plans. Additionally, she is part of the Colton Chamber of Commerce.

License Verified:

License: 0721892

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 (27)

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 factors influence the cost of renters' insurance in San Bernardino?

    In San Bernardino, renters' insurance costs around $218 per year on average. Rates are influenced by several critical factors, including the age and construction materials of the building, the geographic location of the property, and the pricing policies established by the insurance company. Additionally, renters' insurance prices can be higher in places vulnerable to natural disasters like hail, lightning, or strong winds to account for the increased risk of these environmental conditions.

  • What are the exclusions of renters' insurance in San Bernardino?

    In San Bernardino, renters' insurance generally does not safeguard against flood-related losses, earthquake damage, vehicle-related incidents, or loss of a roommate's property. Additionally, valuables exceeding the policy's limitations are not covered. Residents should consider extra flood protection through the National Flood Insurance Program, especially if their rental is in a flood-risk area.

  • Why is it not possible to prepay San Bernardino renters' insurance for more than a year?

    San Bernardino renters' insurance is typically limited to one-year terms because underwriters rely on actuarial data, which most accurately predicts risk and sets pricing for up to a year into the future. Due to this forecasting restriction, insurers cannot precisely price policies beyond that timeframe, leading to the standard practice of annual policy renewals and pricing adjustments.

  • How do San Bernardino tenants ensure they have enough renters' insurance coverage for their belongings?

    San Bernardino tenants can ensure adequate renters' insurance coverage by documenting all personal belongings in a home inventory. This inventory should include all items, such as apparel and electronic gadgets, along with their estimated value. An up-to-date inventory simplifies the claim process, allowing for quick and accurate reimbursement following a covered loss.

  • What does Coverage C provide for in a San Bernardino renters' insurance policy?

    Coverage C of a renters' insurance policy in San Bernardino pays for replacing or cleaning personal goods. This coverage's common sub-limits can be as low as $150–$500 for cash, as high as $1,000 for securities, $500–$2,500 for business assets, up to $1,000 for trailers, and $5,000 for computers and other electronic devices. The fine print of the policy contains specifics about these sub-limits, and riders can add coverage to increase security.

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