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2025

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Best Renters Insurance Companies in Costa Mesa, CA

Our Recommended Top 13

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 Costa Mesa renters insurance companies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

52Reviewed

36Curated

13Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Best Renters Insurance Companies Serving Costa Mesa
19782 MacArthur Blvd Ste 250, Irvine, CA 92612
Visit WebsiteLicense: 0H58346

Expertise.com Rating

Review Sources

Google
4.8 (23)
Yelp
5.0 (18)
Facebook
5.0 (13)

Why choose this provider?

Partners Direct Insurance Services is a full-service agency serving Costa Mesa and surrounding communities. It helps tenants in protecting their belongings from instances of windstorms, vandalism, smoke damage, or personal liability by providing renters' insurance coverage options. Its team of professionals tailors a policy based on the offers from insurance carriers like Travelers, Nationwide, and Liberty Mutual. The agency's CEO, Dean Valeriano, has over 20 years of industry experience. He also serves as a youth mentor for the Boys & Girls Club in the community.

  • Multiple Policy Types

Best Renters Insurance Companies Serving Costa Mesa
18022 Cowan Avenue, Suite 225, Irvine, CA 92614
Visit WebsiteLicense: 0H30247

Expertise.com Rating

Why choose this provider?

ISU Insurance Services of Irvine is an independent insurance agency that caters to the needs of the Costa Mesa metro. The company helps renters and tenants insuring their personal valuables through renter's insurance packages tailored to meet their needs. Its team of brokers assists clients in choosing renter's insurance options like liability coverage from a wide variety of insurance carriers. ISU Insurance Services has more than 100 years of experience in the insurance industry.

  • Home and Auto Insurance

Best Renters Insurance Companies Serving Costa Mesa
4425 Jamboree Road Ste 280, Newport Beach, CA 92660
Visit WebsiteLicense: 0H04124

Expertise.com Rating

Review Sources

Google
5.0 (280)
Yelp
4.7 (43)

Why choose this provider?

Jason Starkman is an insurance agent who caters to home renters in the Costa Mesa metro. He offers various insurance products, including renters' insurance, which protects clients in the event of negligent damage to their rental units, the community, or other residents. He helps clients protect their personal belongings and properties in case of a fire, theft, or weather-related incidents. In addition, the agent offers auto, home, and life insurance. Starkman is also licensed in Arizona, Nevada, and Oregon.

  • Multiple Policy Types

Best Renters Insurance Companies Serving Costa Mesa
1120 Bristol Street, Costa Mesa, CA 92626
Visit WebsiteLicense: 0K07568

Expertise.com Rating

Why choose this provider?

Shorepoint Insurance Services is a firm that serves clients in Costa Mesa. It assists individuals and families through the process of curating renters' insurance plans based on their unique goals, needs, and budgets. Its renters' insurance policies serve as a financial safety net in case damages caused by natural disasters, accidents, and burglaries occur. The agency also offers a wide range of homeowners', auto, life, health, and business insurance products. It has been in the industry since 1962.

  • Multiple Carriers
  • Home and Auto Insurance

Best Renters Insurance Companies Serving Costa Mesa
3001 Red Hill Ave. Suite 2-226, Costa Mesa, CA 92626
Visit WebsiteLicense: 0H23490

Expertise.com Rating

Review Sources

Google
4.9 (135)
Yelp
4.7 (46)
Facebook
4.3 (26)

Why choose this provider?

Established in 2010, Chrysalis Insurance Agency is a company that serves Costa Mesa. It crafts renters' insurance policies for apartment and rental unit dwellers. It represents various insurance carriers and also offers other products, including auto, home, life, umbrella, and workers' compensation insurance. In addition, it deals with cyber, employment, and professional liability insurance. Prior to founding the company, owner Eric P. Evans started his career in the industry as an agent with Farmers Insurance Group.

  • Multiple Policy Types

Best Renters Insurance Companies Serving Costa Mesa
151 Kalmus Drive J3, Costa Mesa, CA 92626
Visit WebsiteLicense: 0F30737

Expertise.com Rating

Review Sources

Facebook
5.0 (1)
Yelp
5.0 (1)

Why choose this provider?

Gelker & Rohrer Insurance Agency serves clients in Costa Mesa. It offers renters' insurance that provides financial protection against the loss or destruction of policyholders' possessions in case of a loss event. The agency provides two types of insurance policies, including replacement cost and actual cash value. As an independent agency, it works with multiple insurance carriers, such as The Hartford, Health Net, and Kaiser Permanente. The owner, Robert Lunde, has 30 years of industry experience.

  • Home and Auto Insurance

Best Renters Insurance Companies Serving Costa Mesa
116 N Maryland Ave Suite 205, Glendale, CA 91206
Visit WebsiteLicense: 0D48037

Expertise.com Rating

Why choose this provider?

Right Source Insurance is an agency that caters to clients based in the Costa Mesa area. Its renters' insurance plan protects the policyholders' possessions and any parts of their rented property, such as fixtures like new kitchen cabinets, against disasters. Established in 1999, the company also offers auto, health, business, and life insurance policies. It also has another branch in Palmdale, with its headquarters located in Glendale. It works in partnership with 15 insurance carriers.

  • Home and Auto Insurance

Best Renters Insurance Companies Serving Costa Mesa
12507 Oxnard St, North Hollywood, CA 91606
Visit WebsiteLicense: 0C18781

Expertise.com Rating

Review Sources

Yelp
4.4 (24)
Google
3.9 (11)

Why choose this provider?

Guardian Plus Insurance Services is a North Hollywood-based agency that caters to clients in and around the Costa Mesa area. It offers a broad array of personal insurance products, including renters' insurance. It provides policies with coverage for personal belongings and household contents such as electronics, furniture, and clothing. The agency also offers clients supplemental insurance for floods, earthquakes, and wear and tear. This agency represents various carriers to help clients compare coverages and find the right policy that suits their needs and budget.

  • Home and Auto Insurance

Best Renters Insurance Companies Serving Costa Mesa
5 Upper Newport Plaza Drive Suite 208, Newport Beach, CA 92660
Visit WebsiteLicense: 0D71395

Expertise.com Rating

Why choose this provider?

Serving the Costa Mesa area, Beasy Insurance Services offers renters' insurance. This kind of insurance policy covers liability, personal property, and additional living expenses. It also offers a broad range of other personal and business insurance products, including auto, boat, and commercial liability insurance. Its team of professionals consists of independent insurance brokers who provide insurance shopping services to help clients get the coverage they need. The company has been providing insurance solutions since 2002.

  • Home and Auto Insurance

Best Renters Insurance Companies Serving Costa Mesa
735 Baker Street, Costa Mesa, CA 92626
Visit WebsiteLicense: 0B24259

Expertise.com Rating

Review Sources

Yelp
4.5 (8)

Why choose this provider?

Clarke Insurance Agency serves clients in Costa Mesa. It offers renters' insurance that covers the policyholders' belongings, liabilities, and living expenses in case of fires, vandalism, and theft. The agency also provides insurance products for mobile homes, condos, boats, recreational vehicles, and businesses. As an independent agency, it partners with multiple insurance carriers, including Bristol West, Foremost, and Kraft Lake. This arrangement allows Clarke Insurance to provide coverage options that suit the needs and objectives of clients.

  • Home and Auto Insurance

Best Renters Insurance Companies Serving Costa Mesa
120 Tustin Ave., C 1070, Newport Beach, CA 92663
Visit WebsiteLicense: 6003244

Expertise.com Rating

Review Sources

Google
5.0 (8)

Why choose this provider?

Established in 2018, Newport Beach Insurance Center has been providing insurance-related products and services to the residents of Costa Mesa. Its renters' insurance covers personal belongings such as kitchen items, electronic devices, and linens. Liability for structural items and flooding is included in its standard policies. In addition, Newport Beach Insurance Center provides guidance with other policies, including specialty, life, commercial, auto, and personal insurance. The company is licensed in all US states.

  • Multiple Policy Types
  • Home and Auto Insurance

Best Renters Insurance Companies Serving Costa Mesa
1518 Newport Blvd, Costa Mesa, CA 92627
Visit WebsiteLicense: 0M71312

Expertise.com Rating

Review Sources

Google
4.8 (112)
Yelp
4.6 (29)
Facebook
5.0 (14)

Why choose this provider?

Shahin Chear is a Costa Mesa-based State Farm insurance agent that caters to clients throughout the local metro. She offers renters' insurance policies and guides tenants on further protection options, including personal property, inflation, and liability coverage. Chear provides other types of property insurance, from manufactured home to rental property insurance. Her other insurance products include policies that cover vehicles and businesses. Chear has over a decade of experience in the insurance industry. Her office staff is fluent in multiple languages, like Farsi, Spanish, and Gujarati.

  • Multiple Policy Types

Best Renters Insurance Companies Serving Costa Mesa
1500 Adams Ave Suite 202, Costa Mesa, CA 92626
Visit WebsiteLicense: 0I48763

Expertise.com Rating

Review Sources

Google
5.0 (53)
Yelp
4.7 (18)
Facebook
5.0 (13)

Why choose this provider?

Roadquest Insurance has been serving clients in Costa Mesa and the surrounding areas since 2004. It offers renters' insurance that covers a policyholder's personal valuables in case of a loss event. The agency also offers insurance products for homes, homeowners, and general liabilities. It has specialized in automobile insurance for 13 years. Roadquest Insurance launched its bail bond service in 2017, which is supported by insurance agents who have more than 20 years of industry experience.

  • Home and Auto Insurance

Compare our Top Renters Insurance Companies

NameExpertise RatingAddressPromotionsLearn more
Partners Direct Insurance Services
19782 MacArthur Blvd Ste 250, Irvine, CA 92612
ISU Insurance Services of Irvine
18022 Cowan Avenue, Suite 225, Irvine, CA 92614
Jason Starkman
4425 Jamboree Road Ste 280, Newport Beach, CA 92660
Shorepoint Insurance Services
1120 Bristol Street, Costa Mesa, CA 92626
Chrysalis Insurance Agency
3001 Red Hill Ave. Suite 2-226, Costa Mesa, CA 92626
Gelker & Rohrer Insurance Agency
151 Kalmus Drive J3, Costa Mesa, CA 92626
Right Source Insurance
116 N Maryland Ave Suite 205, Glendale, CA 91206
Guardian Plus Insurance Services
12507 Oxnard St, North Hollywood, CA 91606
Beasy Insurance Services
5 Upper Newport Plaza Drive Suite 208, Newport Beach, CA 92660
Clarke Insurance Agency
735 Baker Street, Costa Mesa, CA 92626
Newport Beach Insurance Center
120 Tustin Ave., C 1070, Newport Beach, CA 92663
Shahin Chear
1518 Newport Blvd, Costa Mesa, CA 92627
Roadquest Insurance
1500 Adams Ave Suite 202, Costa Mesa, CA 92626

Costa Mesa, CA Renters Insurance FAQs

  • What is the cost of renters' insurance in Costa Mesa, and what does it cover?

    Renters' insurance in Costa Mesa costs about $234 per year on average. It provides $100,000 in liability coverage and up to $40,000 in personal property protection, with a $1,000 deductible. This insurance covers property losses caused by events such as theft, vandalism, and fires. Costs may vary depending on the responsibility limits and coverage levels chosen.

  • Is it permissible for landlords in Costa Mesa to require tenants to have renters' insurance?

    Yes, Costa Mesa landlords can require tenants to have renters' insurance. This provision protects the landlord's assets from litigation and lost rental income if an incident renders the property unlivable or a tenant's belongings are lost due to a disaster. It also seeks to reduce the landlord's liability for injuries sustained on the property.

  • In Costa Mesa, does renters' insurance cover personal collections and valuable jewelry?

    Costa Mesa renters' insurance typically covers personal valuables and collectibles up to a predetermined policy level. Tenants may choose to obtain supplemental coverage for collections and jewelry that exceed these limits. There is specialized insurance available for expensive items like engagement rings to further protect your valuables.

  • Is water damage from household incidents covered by renters' insurance in Costa Mesa?

    Renters' insurance in Costa Mesa typically includes coverage for water damage caused by internal household incidents such as malfunctioning washing machines or faulty plumbing but does not cover flood damage. This coverage helps to cover the costs of repairing the house and replacing personal items damaged by water-related mishaps.

  • How does Actual Cash Value and Replacement Cost coverage differ in a Costa Mesa renters policy?

    For Costa Mesa renters, insuring personal property can be based on Actual Cash Value (ACV), meaning compensation is based on the item's depreciated value, or on replacement cost, which allows for reimbursement sufficient to purchase a new, similar item. ACV policies typically cost less in premiums than replacement cost policies.

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