Expertise.com
2024

Last updated:

Best Renter's Insurance Companies in Santa Barbara

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 Santa Barbara 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.

36

Reviewed

23

Curated

5

Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
3433 State Street, Suite B, Santa Barbara, CA 93105
  • Home and Auto Insurance

Why choose this provider?

Paul Cashman is an insurance professional affiliated with State Farm who serves the Santa Barbara metro. He and his team assist clients in securing renters' insurance products that provide financial coverage for personal properties. These insurance products will cover for losses or damage caused by accidents related to vandalism, fire, windstorms, and theft. Cashman has been with State Farm Insurance for more than 40 years. He is a member of the Santa Barbara Chamber of Commerce's Insurance and Finance Section.

License Verified:

License: 0581918

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 (122)
Yelp
4.2 / 5 (21)
Facebook
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

Website
5655 Lindero Canyon Rd, Suite 521-20, Santa Barbara, CA 91362
  • Multiple Policy Types
  • Commercial

Why choose this provider?

Western Alliance Insurance Services, Inc. is a locally owned agency that has been providing solutions to the insurance needs of individuals and businesses in Santa Barbara and neighboring areas for over 25 years. As a full-service brokerage company, its insurance agents have access to writing all types of insurance, including renters' insurance, auto insurance, health insurance, commercial insurance, and contractors' insurance. The renters' insurance is designed to protect personal belongings from unforeseen losses or damages.

License Verified:

License: 0E63472

California Department of Insurance

Website
351 Paseo Nuevo, Santa Barbara, CA 93102
  • Multiple Carriers
  • Multiple Policy Types
  • Home and Auto Insurance

Why choose this provider?

Karimian Insurance Services is an independent agency based in Santa Barbara. It offers a variety of property insurance products, including homeowners', landlord, renters', and condo insurance. For renters' insurance, the agency's staff helps clients acquire additional coverage for their policies, like full-value coverage for personal belongings and medical payments coverage for injuries sustained on the rental property. CEO Michael Karimian has over three decades of insurance industry experience and holds a bachelor's degree in economics.

License Verified:

License: 0793560

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.
4.4

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

Website
2434 Vista Dr, Santa Barbara, CA 91784
  • Multiple Carriers
  • Multiple Policy Types
  • Home and Auto Insurance

Why choose this provider?

Founded in 1989, Quote Haven by Haven Insurance Services, Inc., serves customers in Santa Barbara. The independent agency offers renters' insurance. This type of policy gives financial protection to clients in case of damage to their belongings and the property's interior structures due to unfortunate incidents such as fire or theft. It also covers medical expenses and legal fees resulting from injuries sustained by the client, a family member, or pets within the rental property. The company also offers homeowners', auto, and motorcycle insurance.

License Verified:

License: 0G71774

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 (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
114 E Haley St Ste F, Santa Barbara, CA 93101
  • Multiple Policy Types

Why choose this provider?

Kait Hamilton is an insurance agent serving families and individuals in Santa Barbara. She has been a State Farm agent for two years, providing home, auto, health, life, and business insurance. Hamilton also offers renters' insurance policies that offer liability coverage to the client's personal belongings. In addition to pet insurance, she also provides banking services. To give back to the community, Hamilton serves on the board for a local dog agility club and volunteers for an Adopt-A-Family Toy Drive.

License Verified:

License: 0I79698

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 (288)
Yelp
4.9 / 5 (38)
Facebook
4.8 / 5 (31)

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
––

Frequently Asked Questions

  • Why might some renters in Santa Barbara overlook renters' insurance?

    Renters think their personal items are not worth much or that their landlord's insurance covers everything. Some Santa Barbara tenants choose not to get renters' insurance. Nonetheless, obtaining a personal renter's coverage provides essential peace of mind, usually at a minimal cost. Renters should speak with an insurance representative to learn more about the advantages and receive a personalized quote.

  • What factors should tenants in Santa Barbara consider when comparing renters' insurance rates?

    Residents of Santa Barbara must carefully consider the policy scope, limitations, and deductible amounts when comparing renters' insurance rates. They should create a checklist reflecting their needs and discuss it with their insurance provider. They should be aware that each insurer sets its own rates, with approval from the California Department of Insurance, based on individual loss experiences.

  • What is the process for Santa Barbara landlords to require renters' insurance?

    To require renters' insurance, Landlords in Santa Barbara must include a provision in the lease agreement mandating tenants to secure such coverage. This formal inclusion is crucial for legal enforcement and clarity, as verbal agreements are challenging to prove. Verbally informing tenants of the insurance requirement is inadequate and can result in miscommunication and non-compliance.

  • What is the best approach in selecting a renters' insurance policy in Santa Barbara?

    When choosing renters' insurance in Santa Barbara, individuals should conduct a thorough comparison of rates, coverage details, and insurer track records. Clients should look for an insurance agent who will take the time to assess their unique needs and explain how several policies would help them, rather than relying only on "word of mouth."

  • How should one determine the amount of renters' insurance to purchase in Santa Barbara?

    Santa Barbara residents should select a renters' insurance policy that covers the total replacement cost of their belongings, from items like laptops and phones to apparel and household goods. For those with high-value possessions, such as artwork, jewelry, or high-end cameras, acquiring additional coverage is essential to ensure comprehensive protection against loss or damage.

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