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2024

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Best Renter's Insurance Companies in San Diego

Our Recommended Top 15

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 Diego 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.

479Reviewed

293Curated

15Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
8312 Lake Murray Boulevard, San Diego, CA 92119
  • Multiple Policy Types

Why choose this provider?

Pappazi Insurance Agency offers insurance options for renters of homes, condos, and apartments in San Diego and the rest of the state. In addition, it provides insurance products for homeowners, vehicles, and businesses. It also represents a number of insurance companies such as Safeco, CSE, Metlife Auto and Home, and Progressive. The team is led by Staci, who has worked for the company since 1994 and has taken the reigns as owner and president since 2001.

License Verified:

License: 0K82168

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 (90)
Facebook
5.0 / 5 (29)
Yelp
4.0 / 5 (9)

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
1761 Hotel Circle S Suite 320, San Diego, CA 92108
  • Multiple Policy Types

Why choose this provider?

Readylane Insurance Services is an independent agency catering to individuals and businesses in and around San Diego. It offers various risk management solutions, including coverage for renters and homeowners. It provides policies for specialty dwellings, automobiles, and collector cars. Umbrella, life, and health insurance policies are also available. Readylane Insurance Services covers cyber liability and commercial properties. It has more than 30 years of combined experience in the industry and has served 5,000 clients during its tenure.

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 (101)
Facebook
5.0 / 5 (3)
Yelp
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
PO Box 181710, Coronado, CA 92178

Why choose this provider?

Wilson Insurance Brokers offers protection policies for renters in San Diego. Its first three generations worked as Farmers Insurance agents and started operating as an independent agency in 2014. Today, its representatives accommodate property tenants by finding suitable renters' insurance products from over 200 carriers. They inform customers about the basic features of each plan and guide them in signing up for full value coverage or bundling the policy with umbrella and auto indemnity policies. They also provide homeowners', auto, and business 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 (31)
Google
5.0 / 5 (29)
Yelp
5.0 / 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
10650 Scripps Ranch Blvd, Suite #128, San Diego, CA 92131
  • Multiple Carriers
  • Multiple Policy Types

Why choose this provider?

Scripps Insurance Services is an independent agency with more than 40 years of experience in the industry. It offers various risk management solutions to individuals, families, and businesses in and around San Diego, including policies for renters, homeowners, and landlords. Its renters' insurance covers personal properties, bodily injuries, and property damage liability claims. It can also cover medical payments for guests who get injured while at the client's residence. Scripps Insurance Services provides life insurance and automobile policies.

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.
4.4
Google
4.4 / 5 (7)

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
3033 Fifth Avenue, San Diego, CA 92103
  • Multiple Policy Types

Why choose this provider?

Established in 1993, JPL Insurance Services is an agency that provides insurance assistance for families and individuals throughout San Diego. Its insurance agents help find the right insurance plan that protects income and assets. They offer renters' insurance policies designed to protect clients who are renting a condo or home. The company also offers other products such as homeowners', life, childcare, workers' compensation, and auto insurance. JPL Insurance Services also has insurance plans for business owners.

License Verified:

License: 0B91431

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 (27)
Facebook
5.0 / 5 (6)
Yelp
1.0 / 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
1455 Frazee Road, San Diego, CA 92108
  • Multiple Policy Types
  • Multiple Carriers

Why choose this provider?

Founded in 2016, Beach Break Insurance Agency has been providing various insurance coverage policies to residents and businesses in San Diego and other surrounding areas. It determines a client's needs and financial goals and works with its partner carriers to provide the most appropriate coverage. It handles renters' insurance policies that protect a tenant's personal possessions against fire or theft. It also designs policies that protect against property damage liability claims or bodily injury.

License Verified:

License: 0L55870

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 (58)
Facebook
5.0 / 5 (7)
Yelp
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
10981 SD Mission Road, San Diego, CA 92108
  • Multiple Policy Types

Why choose this provider?

The Insurance Store serves individuals, families, and businesses in San Diego. It offers personal lines insurance options, including homeowners', renters', and condo insurance, that secure clients' properties and personal articles from theft, accidents, and damages. It provides specialty insurance coverages that protect clients' motorcycles, boats, RVs, motorhomes, and trailers. Moreover, it handles requests for business insurance coverages like workers' compensation, general liability, inland marine, and business owner's policy. Brent and Tiffani Thunstrom lead the independent insurance company. They have been in the industry since 2002.

License Verified:

License: 0I96350

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 (207)
Facebook
4.2 / 5 (5)
Yelp
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
2850 Womble Rd Suite 103, San Diego, CA 92106
  • Multiple Carriers

Why choose this provider?

Ives Insurance Services, Inc. is an agency that offers renters' and rental property insurance policies in San Diego. These insurance plans provide the clients with financial protection in cases of natural disasters, theft, fire, vandalism, and explosions. The company also provides insurance packages for mobile homes, condominiums, and vacation houses. Ives Insurance Services started out in the garage of Dick Ives in 1959. Since then, it has expanded its products to include auto, life, and commercial 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

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
801 Washington Street, San Diego, CA 92103
  • Multiple Policy Types

Why choose this provider?

Herriott & Mijailovic Insurance Agency INC is a family-owned business that has been serving individual clients and businesses in San Diego and across the state for over 50 years. As an independent agency, it represents multiple insurance companies offering different types of coverages. The renters' insurance policy, for instance, protects tenants' personal belongings and includes coverage for vandalism and theft, fire and water damage, and visitor injuries. H&M agents also assist clients with their homeowners' and condo insurance needs.

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.
4.6
Google
4.6 / 5 (9)
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
651 Palomar Street, Chula Vista, CA 91911
  • Multiple Policy Types

Why choose this provider?

Founded in 2018, Altra Insurance is a privately held insurance company that caters to businesses, families, and individuals in and around San Diego. It handles renters' insurance policies, which cover living expenses and personal belongings. It also carries motorcycle, auto, and homeowners' insurance options. In addition, the company's list of business insurance solutions includes surety bonds, commercial property, workers' compensation, general liability, business auto, and umbrella insurance. Health insurance plans such as HMOs, PPOs, and EPOs are also available.

License Verified:

License: 0M40459

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 (65)
Facebook
5.0 / 5 (1)
Yelp
2.0 / 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
835 5th Ave Ste 307, San Diego, CA 92101
  • Multiple Carriers

Why choose this provider?

Armando Aguilar crafts renters' insurance plans for individuals in San Diego and its nearby areas. He has been a Farmers Insurance agent for more than three years and has worked as an independent agent in commercial insurance for over four decades. He also offers life, auto, home, business, and condominium insurance policies. Aguilar advises clients on the types of coverage that are appropriate for their financial objectives. He is well-versed in Russian and Spanish.

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)
Yelp
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
PO Box 180699, Coronado, CA 92178

Why choose this provider?

Wilson and Company Insurance Services, Inc., is an independent agency catering to individuals, families, and businesses in San Diego. It provides various risk management solutions, including coverage for renters, homeowners, and landlords. It offers policies for automobiles, classic and collector cars, floods, and earthquakes. Personal umbrella insurance is also available. It provides commercial coverage, including legal liability, property damage, and employee-related risks. The Coronado-based agency has more than 30 years of experience in the industry.

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 (8)
Google
5.0 / 5 (5)
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
3977 Normal Street, San Diego, CA 92103
  • Multiple Policy Types

Why choose this provider?

Every Day Insurance Services, Inc., handles the insurance needs of those residing in the San Diego area and nearby communities. It offers various insurance solutions that are tailored to each client's needs and situations. Tenants can benefit from its renters' insurance policies, which provide liability protection, supplemental living expenses, and coverage for personal possessions. Landlord, condo, home, and mobile home insurance plans are also available. The agency can likewise assist those planning to travel to and drive around Mexico secure a Mexican auto insurance plan.

License Verified:

License: 0F74469

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 (96)
Yelp
4.0 / 5 (18)

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
7710 Balboa Avenue, San Diego, CA 92111
  • Multiple Policy Types

Why choose this provider?

Prosper Insurance Solutions has been providing insurance services for individuals and businesses since 1996. Located in San Diego, the company offers renters' insurance policies that provide replacement cost coverage for tenant's personal items, provide compensation for additional living expenses, and cover personal & family liability expenses. As an independent insurance agency, Prosper Insurance Solutions represents multiple insurance carriers and offers other products such as homeowners', car, umbrella, flood, business, and workers' compensation insurance coverage.

License Verified:

License: 0E16922

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 (63)
Yelp
4.5 / 5 (18)
Facebook
5.0 / 5 (13)

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
2650 Camino Del Rio North, San Diego, CA 92108
  • Multiple Carriers
  • Multiple Policy Types

Why choose this provider?

As a San Diego Chamber of Commerce member, Kevin Beach is a State Farm insurance agent who has extensive local knowledge of San Diego County. He and his team deliver renters' insurance solutions and simplify the process of insurance portfolio management. They offer personal articles coverage and conduct insurance reviews. Moreover, Beach has an educational background in finance. He is also a State Farm's Ambassador Club Qualifier, Chairman's Circle Qualifier, and Honor Club Qualifier.

License Verified:

License: 6000302

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 (37)
Yelp
5.0 / 5 (8)
Facebook
5.0 / 5 (6)

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
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FAQs

  • Is mold damage covered by renters' insurance in San Diego?

    Mold damage in San Diego may be eligible for coverage under renters' insurance if it results from a covered incident. For instance, if there is a burst pipe in your rental unit, leading to flooding and subsequent mold growth on your carpet, your personal property coverage may reimburse you for the carpet's replacement costs.

  • Can your landlord require a specific renters' insurance provider in San Diego?

    No. Although landlords often mandate renters to have an insurance policy as part of their lease agreements in San Diego, they cannot compel you to obtain renters' insurance exclusively from a particular insurance provider. They can, however, specify a minimum coverage amount and require you to provide proof of insurance.

  • Is flood insurance included in renters' insurance in San Diego?

    Renters' insurance policies in San Diego do not automatically include coverage for flood damage. Flood insurance is a separate type of policy that you need to purchase independently, either through the National Flood Insurance Program or a private insurer. Since San Diego is a registered participant of the NFIP program, residents are eligible to obtain NFIP-provided flood insurance.

  • Can renters' insurance protect you from liability in case someone is injured in your rental property in San Diego?

    Renters' insurance includes liability coverage that can offer protection in the event of an injury on your rental property in San Diego or if someone covered by your policy is responsible for damage to another person's property or belongings. This coverage typically extends to expenses such as legal fees and property damage costs.

  • Does renters' insurance cover damage caused by pets in San Diego?

    Some renters' insurance in San Diego may cover liability for pet-related damage, but some providers may have exclusions for certain dog breeds that are considered more aggressive. Exotic pets like wild animals and reptiles may also not be covered. To determine if your pet is covered by your renters' insurance, it's advisable to contact your insurance provider for clarification.

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