Best Renters Insurance in Los Angeles, CA
More than half of the Los Angeles population are renters, and many of them do not have renters insurance to protect their belongings. Finding the right insurance company in the City of Angels can be tough, so we made this list to help Angelinos choose the best renters insurance company in town.
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Top 11 Los Angeles Renters Insurance Companies | ||||||
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Offers renters insurance online in 28 states and Washington, D.C. Covers personal property, liability, loss of use and medical payments. Extra Coverage for expensive possessions. Fast sign-up and claims. Starts at $5 per month. | ![]() | Get a Quote | ||||
Farmers Insurance is proud of the fact that it first opened its doors just prior to the Great Depression and is still going strong today. It offers a variety of insurance policies, including comprehensive renters' insurance. | ![]() | Chat with a ConsumerAffairs decision guide Live agent | ||||
Read Author Review | Offers Allstate renters insurance policies to Los Angelinos. Discounts monthly premiums for those who bundle their renters and car insurance. Provides flood insurance coverage for interested LA renters. | ![]() | Chat with a ConsumerAffairs decision guide Live agent | |||
Read Author Review | Has three locations in the LA area with bilingual staff members. Sells renters insurance from the following carriers: Nationwide, Progressive, Travelers, Mercury Insurance, and Kemper. | ![]() | Chat with a ConsumerAffairs decision guide Live agent | |||
Read Author Review | Employs Spanish-speaking staff members for better customer service. Offers renters insurance policies from multiple national carriers, including Mercury Insurance Group. Delivers free online quotes. | ![]() | Chat with a ConsumerAffairs decision guide Live agent | |||
Read Author Review | Offers renters insurance from First Insurance Company of Hawaii, Kemper, Liberty Mutual, Mercury Insurance, Nationwide, Safeco, Hartford, and Travelers. Helps customers file claims through their website. | ![]() | Chat with a ConsumerAffairs decision guide Live agent | |||
Read Author Review | Offers renters insurance policies from Progressive, Travelers, and Kemper. Helps customers complete application and choose a policy. Discounts premiums when renters bundle their insurance with their car insurance. | ![]() | Chat with a ConsumerAffairs decision guide Live agent | |||
Read Author Review | Has more than 50 agency locations in the Los Angeles area. Arranges earthquake coverage through the California Earthquake Authority for renters. Offers multi-policy, gated community and home security discounts. | ![]() | Chat with a ConsumerAffairs decision guide Live agent | |||
Read Author Review | Operates five locations in the LA Metro and sells renters insurance policies from Farmers, Travelers, Progressive, Kemper, and Safeco. Sells earthquake insurance for additional coverage. | ![]() | Chat with a ConsumerAffairs decision guide Live agent | |||
Read Author Review | Offers renters insurance policies from local and national insurance carriers. Sells earthquake insurance as an additional policy. Delivers bundling discounts. | ![]() | Chat with a ConsumerAffairs decision guide Live agent | |||
Read Author Review | Offers renters insurance policies from Kemper, Mercury Insurance Group, and Progressive. Sells flood and earthquake insurance. Delivers services in both English and Spanish. | ![]() | Chat with a ConsumerAffairs decision guide Live agent |

Why do I need renters insurance in Los Angeles?
The population of LA is growing, and with it comes more and more renters. In fact, according to the U.S. Census Bureau, 64% of the people living in Los Angeles are renters. Although renting can take some of the pressure of maintaining a residence, some renters overlook a vital decision: purchasing renters insurance.
It’s common for renters to assume their landlord's insurance covers their belongings in the event of a fire or other disaster, but that's not the case. Having renters insurance is the only thing that protects renters’ assets from theft, fire and most disasters — otherwise, it's a total loss.
As a Los Angeles resident, you have a slightly higher chance of experiencing property crime than the rest of the country. The highest property crime rates are concentrated in Downtown, Central LA and South LA. If you live in these high-risk areas, you should consider getting renters insurance for your peace of mind.
Los Angeles Neighborhood | Property Crimes per year |
---|---|
Downtown | 2,860 |
Central LA —Hollywood | 1,769 |
South LA — Westchester | 1,065 |
La Habra Heights | 95 |
Agua Dulce | 764 (estimate) |
Topanga | 876 (estimate) |
Renters insurance covers most weather and natural disasters such as fire, lightning, wind, hail and wildfires. However, it doesn’t cover the earthquakes, floods or mudslides that Los Angeles experiences.
According to a 2017 study by the U.S. Geological Survey, LA is due for an earthquake with an over 7.0 magnitude. You can add an endorsement to your policy or take out a separate policy to cover damages from earthquakes. Earthquake insurance is available at insurance companies that are members of the California Earthquake Authority (CEA). Use the California Geological Survey map to find out if you live in an earthquake fault zone.
You can also add a flood endorsement to your renters policy, which may cover mudflows. If mudflows aren't covered, you can take out a separate flood policy from the National Flood Insurance Program. Unfortunately, landslides are only covered by a difference in conditions insurance that expands your policy to cover landslides, mudflows, earthquakes and floods.
Average cost of renters insurance in Los Angeles
The cost range for renters insurance in Los Angeles is between $110 - $1,000 annually, or $10 - $85 a month. The main factor in determining the price of your premium is where you live. For instance, premiums are higher in Beverly Hills, Hollywood and Culver City because people living there generally have high-value assets. Other factors that affect the cost of renters insurance is your level of coverage, your deductible and your policy’s valuation method.
Choosing a renters insurance policy with an actual cash value policy is going to cost less than a replacement cost policy because it accounts for depreciation. Replacement cost policies insure items at the current market price at the time of loss, meaning the replacement item is as close to or the same as the broken or stolen item. With an actual cash value policy, a TV you bought a few years ago for $800 is not worth $800 today, so you settle for less cash. Sometimes the price cut makes sense, but in the case of electronics, it does not.
Adding an endorsement for earthquake coverage, high-value items or any other reason increases the price of your insurance policy.
Lastly, decide how much you would like to spend on a deductible. The cheapest plans are ones with high deductibles. The higher your deductible, the cheaper your monthly premiums are. Plans with low deductibles are the most expensive. Deductibles typically range from $500 - $1,000 but can be as low as $250 or as high as $2,500.
How to buy a renters insurance policy in Los Angeles?
When you’re ready to shop for renters insurance, start by getting quotes from multiple companies. To get a quote, you need your name, date of birth and address. All insurance companies provide similar coverage options, so follow these steps to find the right company for you:
- Read online reviews
- Get recommendations from friends and family
- Read policies to find out what’s covered and what’s not
- Check an insurance company’s record with the National Association of Insurance Commissioners (NAIC)
When insuring high-value items like expensive handbags, collectibles or musical instruments, you have to appraise their value. Find out from your insurance company how they’d like you to prove the value of their belongings, as they may have an appraisal tool. In some cases, you may be required to produce a receipt.
Is renters insurance required in Los Angeles?
The State of California and the City of Los Angeles do not require renters to have insurance; however, landlords may require renters insurance when signing a lease. Such a requirement is entirely legal. Large rental companies in LA, such as Windsor Property Management Co., may require renters insurance.
Your renters rights in Los Angeles
If you feel your renters rights are being violated by a landlord, check out a few LA-specific resources:
- Housing Rights Center: Provides free counseling on tenant rights and responsibility for current and prospective renters in LA.
- Housing Community Investment Department: Resources for LA renters to learn about their rights and safe rental conditions.
- Los Angeles Tenant Union: A renter-led union working to ensure tenant rights in LA, by supporting policies for rent-controlled areas and anti-discriminatory housing measures.
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Los Angeles renter insurance company information

Matin Insurance Services offers renters insurance policies from Progressive, Travelers and Kemper. Local agents help customers fill out an application and choose which renters insurance policy is best for them. Flood insurance is available as well as discounts for bundling renters and auto insurance. Customers can file claims through their insurance carrier.
- Address: www.mis-insurance.com/renters-insurance
- Address: 6404 Wilshire Blvd., Unit 1111, Los Angeles, CA 90048
- Phone Number: (323) 782-0777
- Hours of operation: M - F: 8:30am - 5pm

Beatriz Zaragoza is an Allstate insurance agent who offers renters insurance to Angelinos. For clients who want extra protection, Zaragoza can have a flood insurance policy added. Zaragoza helps customers find the discounts that are available for retirees, renters who bundle their renters and auto insurance, and renters with approved security systems and fire alarms.
- Website: agents.allstate.com/beatriz-zaragoza-los-angeles-ca.html
- Address: 2726 S. Vermont Ave., Ste. A, Los Angeles, CA 90007
- Phone Number: (213) 481-6000
- Hours of operation: M - F: 9am - 6pm; Sat: 10am - 2pm

Victor Zavala Insurance Services is an insurance broker who offers renters insurance policies from Kemper, Mercury Insurance Group, and Progressive. Zavala sells flood and earthquake insurance for renters who want supplemental coverage. Discounts are available for bundling renters insurance with auto. Renters can file claims through the company’s website.
- Website: vzinsurance.com/renters-insurance.html
- Address: 1001 S. Vermont Ave., Ste. 212, Los Angeles, CA 90006
- Phone Number: (213) 386-6560
- Hours of operation: M - F: 9am - 6pm; Sat: 9am - 4pm

Starco Insurance is a local California insurance broker that offers renters insurance policies from local and national insurance carriers. Renters in Los Angeles can receive a discount when they bundle car and renters insurance. Starco Insurance sells earthquake insurance for renters who want additional protection.
- Website: starcoinsurance.com/renters-insurance-la
- Address: 1905 S. Western Ave., Ste. 19, Los Angeles, CA 90018
- Phone Number: (888) 400-4004
- Hours of operation: M - F: 9am - 7pm

Cameo Insurance Services is an insurance agency that sells renters insurance policies from multiple national carriers, including Mercury Insurance Group. The company has staff members who speak both English and Spanish. Discounts are available when renters combine their property insurance with their auto insurance. Customers can receive free quotes and refer their friends on Cameo’s website.
- Website: cameoinsurance.com/renters/default.aspx
- Address: 614 W. Manchester Blvd., Ste. 202, Inglewood, CA 90301
- Phone Number: (323) 965-1416
- Hours of operation: M - F: 9am - 5:30pm

J. Morey Co. Incorporated is an insurance agency offering renters insurance from First Insurance Company of Hawaii, Kemper, Liberty Mutual, Mercury Insurance, Nationwide, Safeco, Hartford and Travelers. Renters receive discounts on their premiums for bundling renters and car insurance. Customer file claims through the agency website.
- Website: jmoreyins.com/california-personal-insurance/renters-insurance
- Address: 361 E. 1st St., Los Angeles, CA 90012
- Phone Number: (866) 459-3073
- Hours of operation: M - F: 9am - 5pm

Mercury Insurance Group has more than 50 agency locations in the Los Angeles area. Mercury Insurance Group offers renters insurance, and renters receive a discount when they bundle it with car insurance. Discounts are also available for renters in gated communities and those with security or smoke alarms installed in their home. A Mercury agent can arrange earthquake coverage through the California Earthquake Authority.
- Website: mercuryinsurance.com/insurance-products/renters-insurance.html
- Address: 4484 Wilshire Blvd., Los Angeles, CA 90010; multiple locations
- Phone Number: (323) 938-3721
- Hours of operation: M - F: 9am - 6pm

ANA Insurance Brokerage sells renters insurance from Nationwide, Progressive, Travelers, Mercury Insurance and Kemper, and gives customers the opportunity to choose between offers. Renters can save money when they bundle their car insurance with their renters insurance. ANA Insurance Brokerage has Spanish-speaking agents at all three of their LA area locations.
- Website: anainsurance.com
- Address: 4082 Tweedy Blvd, South Gate, CA 90280
- Phone Number: (323) 563-6146
- Hours of operation: M - F: 9am - 6pm; Sat: 10am - 3pm

Southland Auto Insurance Services is a full-service insurance agency with five locations in the LA Metro. The agency sells renters insurance policies from several national carriers, including Farmers, Travelers, Progressive, Kemper and Safeco. Renters receive a discount on their premiums when they bundle renters and car insurance. Southland Insurance also sells earthquake insurance.
- Website: southlandautoinsurance.com/renters/default.aspx
- Address: 16605 Paramount Blvd., Paramount, CA 90723
- Phone Number: (562) 250-0888
- Hours of operation: M - F: 9am - 7pm; Sat: 9am - 4pm
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