Coverage that protects the place you call home.

Renters Insurance

Renting in the Bay Area comes with plenty of responsibilities — from protecting your belongings to having liability coverage your landlord may require. We help renters across Albany, Berkeley, Oakland, and beyond choose affordable, reliable protection that fits their lifestyle, budget, and neighborhood risk.

Start An Instant Quote

Essential protection for every renter.

What’s Included

Even if you don’t own your home, you still have plenty worth protecting. Renters insurance helps cover personal belongings, temporary housing, and liability — which is especially important in dense urban areas where accidents and thefts occur more often. We walk you through every option so you feel confident you’re covered.

Personal Property Coverage

Covers your belongings — clothing, electronics, furniture, and more — if they’re damaged or stolen. This is especially important in the Bay Area, where break-ins and property crimes happen at higher-than-average rates.

Liability Protection

Helps protect you financially if someone is injured inside your rental or if you accidentally cause damage to someone else’s property. Many landlords require proof of this coverage before move-in.

Loss of Use

Pays for temporary living expenses if your rental becomes uninhabitable after a covered incident. With high rental costs in the Bay Area, this benefit can save thousands during repairs or relocation.

Medical Payments

Provides coverage for minor injuries to guests without filing a liability claim — keeping small accidents simple and stress-free.

Burglary, Theft & Vandalism

Renters are especially affected by building break-ins, porch piracy, and vehicle theft. This coverage helps replace items when things go wrong.

Optional Add-Ons

Enhance your protection with scheduled valuables coverage, identity theft restoration, water backup protection, or earthquake insurance through the CEA.