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2024

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Best Renter's Insurance Companies in Folsom, CA

Our Recommended Top 11

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 Folsom 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.

38Reviewed

27Curated

11Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

895 Embarcadero Drive, Ste 206, El Dorado Hills, CA 95762
WebsiteLicense: 0C39030

Expertise.com Rating

Review Sources

Facebook
5.0 (11)
Google
5.0 (8)

Why choose this provider?

Suburban Family Insurance Agency is a business that caters to the needs of the Folsom metro. It offers renters' insurance for apartment, condo, or dorm renters to protect their personal properties if they get stolen or damaged in covered accidents. Its team of professionals designs customized policies that help clients get additional coverage options that fit their budgets and needs. In 2019, the company was the recipient of Folsom Telegraph's Best of the Best in El Dorado Hills.

  • Home and Auto Insurance

110 Blue Ravine Rd, Suite 105, Folsom, CA 95630
WebsiteLicense: 0H05099

Expertise.com Rating

Review Sources

Google
5.0 (6)
Yelp
5.0 (5)
Facebook
5.0 (1)

Why choose this provider?

T.D. McNeil Insurance Services offers policies to clients in Folsom. Tenants can get renters' insurance for injuries inside the rental property and for stolen or damaged personal items. The firm also offers policies for houses, condos, and motor homes, along with commercial insurance for liability and workers' compensation. Clients can get coverage for their cars, motorcycles, and boats. Founder Terry McNeil has more than three decades of industry experience. He previously worked for ABM Industries Inc. for 15 years.

  • Multiple Policy Types

503 Natoma St., Folsom, CA 95630
WebsiteLicense: 6002829

Expertise.com Rating

Why choose this provider?

Republix Risk Mitigation Insurance Solutions is a company that serves clients in Folsom. It deals with renters' insurance and guides tenants on coverage options, like medical payments and property damage coverage. The company offers other personal insurance products, including life and homeowners' policies. It also provides commercial insurance solutions, such as cyber liability, commercial auto, and workers' compensation insurance. Its president, Colnn Miguelgorry, once worked as a banker at Citibank. He has over a decade of financial management experience.

  • Home and Auto Insurance

1833 Iron Point Rd, Suite 180, Folsom, CA 95630
WebsiteLicense: 0C15918

Expertise.com Rating

Review Sources

Google
5.0 (102)
Yelp
4.0 (8)
Facebook
5.0 (3)

Why choose this provider?

Dan Normoyle is a Folsom-based State Farm insurance agent that serves clients across the metro. Through renter's insurance solutions, he assists tenants in protecting their personal belongings like furniture, computers, and clothing. Normoyle deals with other insurance products, including auto, life, and pet insurance. Clients can also opt for health insurance services, like supplemental health insurance. Normoyle has been helping protect clients since 2002 and is certified as a Chartered Financial Consultant by The American College of Financial Services.

  • Multiple Carriers

2266 Lava Ridge Court, Roseville, CA 95661
WebsiteLicense: 0652738

Expertise.com Rating

Why choose this provider?

Francis-Pinney Insurance Services, Inc., is a full-service independent brokerage and risk management consulting firm serving Folsom. For over 50 years, it has represented more than 300 carriers, such as Liberty Mutual Insurance and Blue Shield of California, and offered a variety of coverage options tailored to its clients’ needs. One of its core products is renter’s insurance, which protects tenants' personal belongings in a rented property from unexpected circumstances such as fire and theft. The company offers other products, including auto, business, home, and life insurance.

  • Home and Auto Insurance

4050 Mother Lode Dr # E, Shingle Springs, CA 95682
WebsiteLicense: 6003060

Expertise.com Rating

Review Sources

Facebook
5.0 (15)
Yelp
4.2 (5)
Google
5.0 (3)

Why choose this provider?

Intrinsic Insurance Services is a woman-owned business that serves the Folsom metro. The company has 20 years of experience helping clients protect what is important to them. It offers home insurance, high fire insurance, auto insurance, business insurance, and flood insurance. Intrinsic Insurance Services also provides coverage for classic cars and pets. Kaitlan Reis, one of its agents, works with homeowners, business owners, young professionals, and high-net-worth families. She aims to build lifelong relationships with her clients.

  • Multiple Policy Types

705 Gold Lake Dr Ste 260, Folsom, CA 95630
WebsiteLicense: 0C83732

Expertise.com Rating

Review Sources

Google
4.9 (46)
Yelp
5.0 (11)

Why choose this provider?

Kyle Middleton has been a State Farm insurance agent since 1999. He currently operates his own agency in Folsom, with his team of insurance professionals. Middleton's firm writes policies for renters to protect their personal items from various calamities and unanticipated events. The renters' insurance it offers may also pay legal fees and medical expenses of someone injured inside the policyholders' premises. In addition, clients may add pet insurance or combine their auto and renters' policies.

  • Multiple Policy Types
  • Home and Auto Insurance

231 Blue Ravine Road Suite 100, Folsom, CA 95630
WebsiteLicense: 0M91383

Expertise.com Rating

Review Sources

Google
4.9 (44)

Why choose this provider?

A local State Farm agent based in Folsom, Dr. Aaron Williams, helps people protect what matters most to them through insurance policies. He designs renters' insurance products for apartment tenants, securing clients' belongings from accidents, weather impacts, and malicious mischiefs. His office also welcomes homeowners and business owners looking to insure their investments, pets, and employees. Aaron Williams is a former business consultant at Cricket Wireless by AT&T. He holds a PsyD in Organization Development.

  • Home and Auto Insurance

5000 San Juan Avenue, Fair Oaks, CA 95628
WebsiteLicense: 0F41767

Expertise.com Rating

Review Sources

Google
4.6 (12)

Why choose this provider?

Triton of California Insurance Services, Inc., serves the Folsom metro and the surrounding areas. The Fair Oaks-based company writes renter's insurance policies that cover personal belongings not protected by landlord's insurance. The policies also protect the policyholder from personal liability and property damage. Established in 1994, the insurance brokerage also offers coverage for vehicles such as RV, motorcycle, and watercraft, as well as business insurance products. The company is partnered with several top-rated insurance providers such as Progressive, MetLife, Travelers, and Nationwide.

  • Multiple Policy Types

9300 Madison Avenue, Suite 100, Orangevale, CA 95662
WebsiteLicense: 0C77495

Expertise.com Rating

Why choose this provider?

Bozzuto & Company Insurance Services, Inc., offers business and personal insurance policies to clients in Folsom. It protects personal investments in the home through renters' insurance, which provides coverage for thefts, vandalism, and natural disasters. Individuals, newlyweds, and retirees stand to benefit from this protection. The company insures the contents of rented condos and covers electronic devices and other student properties that are stolen or damaged in apartments or dormitories. The company has been in the insurance industry since 1981.

  • Multiple Policy Types

6806 Fallsbrook Court, Suite #1, Granite Bay, CA 95746
WebsiteLicense: 0776014

Expertise.com Rating

Review Sources

Facebook
4.8 (15)
Google
5.0 (1)

Why choose this provider?

Heald Insurance Agency offers renters' insurance to the neighborhoods of Folsom. The policy includes three types of financial protection which are liability protection, additional living expenses, and coverage for personal possessions. Customers can ask about other lines of insurance which include critical illness protection, street-legal motorcycles, workers' compensation, personal watercraft, and dental insurance. Bristol West, American Home Shield, and Foremost Insurance are some of the carriers it works with. Steve Heald, the owner, has been operating the agency since 1989.

  • Home and Auto Insurance

Compare our Top Renter's Insurance Companies

NameExpertise RatingAddressPromotionsLearn more
Suburban Family Insurance Agency
895 Embarcadero Drive, Ste 206, El Dorado Hills, CA 95762
T.D. McNeil Insurance Services
110 Blue Ravine Rd, Suite 105, Folsom, CA 95630
Republix Risk Mitigation Insurance Solutions
503 Natoma St., Folsom, CA 95630
Dan Normoyle
1833 Iron Point Rd, Suite 180, Folsom, CA 95630
Francis-Pinney Insurance Services, Inc.
2266 Lava Ridge Court, Roseville, CA 95661
Intrinsic Insurance Services
4050 Mother Lode Dr # E, Shingle Springs, CA 95682
Kyle Middleton
705 Gold Lake Dr Ste 260, Folsom, CA 95630
Dr. Aaron Williams
231 Blue Ravine Road Suite 100, Folsom, CA 95630
Triton of California Insurance Services, Inc.
5000 San Juan Avenue, Fair Oaks, CA 95628
Bozzuto & Company Insurance Services, Inc.
9300 Madison Avenue, Suite 100, Orangevale, CA 95662
Heald Insurance Agency
6806 Fallsbrook Court, Suite #1, Granite Bay, CA 95746

FAQs

  • What two methods are used by insurers to determine the value of items covered by renters’ insurance policy in Folsom?

    Insurance providers in Folsom use either the actual cash value or replacement cost approach to compensate for renters' lost or damaged personal possessions. The actual cash value considers the initial cost of an item and factors in depreciation based on its age, condition, and use. On the other hand, the replacement cost method covers the cost of acquiring brand-new items of similar quality to replace the lost or damaged ones.

  • What factors can impact the pricing of renters' insurance policies in Folsom?

    The factors that impact the cost of renters' insurance in Folsom include the tenant's preferred coverage amount, the rental property's location, and the discounts provided by insurance providers. Companies offering renters' insurance extend discounts to individuals who install burglar alarms and fire extinguishers, as well as to those who prefer paperless transactions.

  • How does a deductible work in the context of renters’ insurance in Folsom?

    A deductible represents the amount that Folsom renters must personally cover before their insurance policy starts providing coverage. Deductibles come in fixed dollar amounts, typically set at $500, $1000, or $2000. The higher the deductible, the less the insurance company charges for an equivalent level of coverage. Tenants can reduce their premiums by up to 25% if they can manage a deductible of $1,000 or more.

  • What types of disasters are covered and not covered by renters’ insurance in Folsom?

    In Folsom, renters’ insurance provides protection against theft, fire, and vandalism-related losses. It also compensates renters for expenses resulting from water damage. Standard renters’ insurance plans exclude coverage for floods. Renters can obtain flood protection through the National Flood Insurance Program or from select private insurance companies. Renters also have the option to include earthquake coverage as an add-on.

  • What does "no-fault medical coverage" in renters' insurance in Folsom entail?

    No-fault medical coverage is part of the liability protection provided by a renters' insurance policy in Folsom. This specific coverage is designed to address injuries suffered by third parties and should not be considered a replacement for a renter's personal health insurance. Renters' insurance policies usually provide approximately $1,000 to $5,000 in coverage for this purpose.

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