(800) 956-3728 
Tell us about your residence
Welcome back!
You can pick up from where you left by retrieving your quote below.
Search by Quote ID → Search by Date of BirthRenters Insurance in California
While California is full of beauty and exciting attractions, the cost of living is higher than most states. Mercury offers some of the most affordable rates in the Golden State without compromising on quality coverage. Whether you’re renting a place in San Diego, Sacramento, or somewhere in between, you can rest easy knowing we’ll help cover your belongings, personal liability, and medical payments to others in case of an accident. Learn more about why Mercury is one of the best renters insurance providers in California.
Get a Renters Policy That’s Right for You
Whether it’s a residential fire, home burglary, or burst pipe, you never know when the unexpected will come. Renters insurance can help get you and your family back on your feet when unfortunate incidents happen to your leased property. Mercury delivers affordable coverage you can count on. We’ll work with you to build a personalized policy that’s perfect for your needs, so you don't have to pay more than what’s required.
Take a look at coverage options we offer and build a policy that’s right for you.
- Personal Property:
- May help cover the cost of replacing your belongings in the event of theft, fire, or another covered loss.
- Additional Personal Property:
- Offers extra coverage for valuable items, such as antiques, jewelry, and fine art.
- Personal Liability Protection:
- If you cause bodily injury or property damage to another person, this coverage may help pay for the third party’s medical bills or repair expenses.
- Guest Medical Protection:
- Helps cover your guest’s medical expenses if they accidentally injure themselves on or around your rented property.
- Workers’ Comp Coverage:
- If a part-time employee, such as a nanny or maid, injure themselves on your rented property, this coverage may help pay for their medical bills.
Save More on Renters Insurance with Discounts for California Residents
When it comes to insurance, we know every penny counts. Mercury Insurance helps you save more on your renters policy. We offer various discounts to help reduce your rate so you can put that extra cash towards something special like a new car or family vacation. Check out some of our available discounts in the Golden State:
- Multi-Policy (Auto + Renters)
- Gated community
- Selecting a higher deductible
- Smoke alarms
- Security monitoring
- Loss free discount
Frequently Asked Questions About California Renters Insurance
Is renters insurance required in California?
No, renters insurance is not required by law in California. However, without renters insurance, you would be solely responsible to replace your belongings, pay medical bills, or cover legal expenses in the event of a covered loss.
Can a landlord require renters insurance in CA?
Yes, a landlord can require you to purchase a renters insurance policy before you can move into their property.
What services does Mercury provide?
How much is renters insurance in California?
According to Value Penguin, the average cost of renters insurance in California is $17 per month, or $207 per year.
Does CA renters insurance cover earthquakes?
No, renters insurance doesn’t cover earthquakes. You need to purchase a separate policy to get protection from earthquakes.
Does renters insurance cover fires in CA?
California is known for wildfires, so you can rest assured that renters insurance can cover your belongings in the event of a wildfire or any other fire-related peril.