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2024

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Best Renter's Insurance Companies in Huntington Beach, CA

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 Huntington Beach 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.

74Reviewed

46Curated

5Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

17111 Beach Boulevard, Huntington Beach, CA 92647
WebsiteLicense: 0C17917

Expertise.com Rating

Review Sources

Google
4.0 (174)

Why choose this provider?

Number 1 Insurance Marketing Services has been providing Huntington Beach with personal and commercial insurance products and services for over 20 years. One of its offerings is renters' insurance, helping clients choose a policy that covers their personal property, additional living expenses, and liability protection. Its agents assess each renter's needs and procure a structured plan to help them obtain the right insurance policy and premiums. The company also offers other personal and commercial insurance products spanning auto, home, property, and liability insurance.

  • Multiple Policy Types

4952 Warner Avenue, Huntington Beach, CA 92649
WebsiteLicense: 0481616

Expertise.com Rating

Review Sources

Google
5.0 (11)

Why choose this provider?

Jeff Baker is a State Farm insurance agent offering renters' coverage for residents of Huntington Beach. He assists in selecting policy options that secure damages from vandalism, extreme weather, accidents, and loss of belongings. A State Farm agent since 1974, Jeff offers other personal lines of insurance such as homeowners, auto, property, life, and business insurance. He is affiliated with the Chamber of Commerce and the Life Underwriter Training Council.

  • Multiple Carriers
  • Multiple Policy Types

17054 Magnolia Street, Fountain Valley, CA 92708
WebsiteLicense: 0640344

Expertise.com Rating

Review Sources

Google
4.0 (61)
Facebook
5.0 (4)

Why choose this provider?

Valley West Financial Insurance Services is an independent insurance agency that serves individuals and businesses in the Huntington Beach area. Since 1990, the family-owned business has been providing renters' insurance, which helps secure a tenant's personal belongings inside a rented space in case of unexpected situations like theft, fire, and water damage. With over 40 years of experience, its owner, Gini Sosa, has mentored agents in offering personal and commercial insurance products delivered through the insurance carriers that the company represents.

  • Multiple Policy Types

16897 Algonquin Street, Huntington Beach, CA 92649
WebsiteLicense: 0G99755

Expertise.com Rating

Review Sources

Google
5.0 (1)

Why choose this provider?

Insurance Brokers Group helps the residents of Huntington Beach mitigate property-related risks. It offers landlord, condo, home, and renters' insurance plans, which provide coverage for losses due to natural disasters, theft, or fire. Clients receive assistance with navigating renters' insurance options from different carriers, including Erie and Liberty Mutual. Insurance Brokers Group also carries life, business, and auto insurance. John Espenschied, the company owner and manager, began his insurance career in 2000 and worked with Allstate Insurance before establishing the agency.

  • Multiple Carriers

305 17th Street, Huntington Beach, CA 92648
WebsiteLicense: 0691071

Expertise.com Rating

Review Sources

Yelp
4.6 (10)
Google
4.8 (6)

Why choose this provider?

Bannister & Associates is a full-service insurance company servicing Huntington Beach and nearby communities. The family-owned and family-operated firm guides clients who are currently renting their residential spaces to acquire a renters' insurance plan akin to their needs and lifestyle. Its independent insurance brokers represent local and national carriers. The team also provides homeowners' and condo insurance. Doug Bannister, the agency's principal broker, has been working in the insurance field for over 35 years. He joined the company in 1991.

  • Multiple Policy Types

Compare our Top Renter's Insurance Companies

NameExpertise RatingAddressPromotionsLearn more
Number 1 Insurance Marketing Services
17111 Beach Boulevard, Huntington Beach, CA 92647
Jeff Baker
4952 Warner Avenue, Huntington Beach, CA 92649
Valley West Financial Insurance Services
17054 Magnolia Street, Fountain Valley, CA 92708
Insurance Brokers Group
16897 Algonquin Street, Huntington Beach, CA 92649
Bannister & Associates Insurance
305 17th Street, Huntington Beach, CA 92648

FAQs

  • Can your renters’ insurance company in Huntington Beach cancel your policy for an unpaid premium?

    Yes, your renters’ insurance company in Huntington Beach can cancel your policy for a missed premium if the policy has been active for over 60 days. You should receive a notice of the impending cancellation 10 days before it takes effect. If you do not settle the unpaid premium within this 10-day notice period, the cancellation will proceed.

  • Can renters’ insurance in Huntington Beach help with expenses if your dog bites your guest?

    The personal liability coverage in most renters’ insurance policies can help pay for medical expenses when the policyholder’s dog bites someone who is not a member of your household. Make sure you list your dog on the policy. Note that some Huntington Beach insurers exclude certain dog breeds and dogs with a history of biting. Some policies also limit this coverage to dog bites that occur while on the rented property, not while you are walking your dog outside.

  • What is commonly excluded from renters’ insurance policies in Huntington Beach?

    Renters' insurance policies typically do not cover pest and rodent infestations, including bed bug infestations. In terms of perils, common exclusions are floods, earthquakes, and mudslides. Your car and your roommates’ personal property are also not covered. If you have high-value items in your Huntington Beach rental like jewelry, art, or expensive musical instruments, you might want to add an endorsement/rider to your standard policy. Renters' insurance providers usually impose a coverage limit for expensive items like these.

  • What if your laptop gets stolen from your hotel room out of town, can you claim reimbursement for the theft through your renters’ insurance policy in Huntington Beach?

    Your renters’ insurance policy covers your personal belongings on and off the premises of your rented property. Your policy can help you buy a replacement for your stolen laptop even if the theft happened in a hotel. The policy’s personal belongings coverage also applies even while you are traveling abroad. However, some insurance companies in Huntington Beach may have reimbursement limits for electronics or property lost off-premises. It's best to check your policy's fine print.

  • Should you buy renters’ insurance before or after your move into your new rental in Huntington Beach?

    While you can buy renters’ insurance anytime, it’s recommended to have one in place before you move into a new rental. Renters’ insurance is not retroactive, so if you buy a policy after a break-in, it won't cover whatever the burglar stole or damaged in your new place. If you have an existing policy, see if your current insurer can still cover you in Huntington Beach. Most renters' insurance policies can be rewritten for use in other states.

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