Best and Cheapest Renters Insurance in Chula Vista, CA (September 2024)


Updated: September 16, 2024

The best renters insurance company in Chula Vista, California is Nationwide, with a MoneyGeek score of 92 and an annual premium of $103. The cheapest renters insurance provider in Chula Vista, California is Capital Insurance Group, with a MoneyGeek score of 89 and an annual premium of $77.

The best homeowners insurance provider should offer a balance of customer service with affordability. Depending on your needs, other providers may be best. Travelers excels in service quality with an annual premium of $137. We also looked into the best and cheapest renters insurance in California for those who live elsewhere in the state.

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MoneyGeek Logo IconBest & CheapestRentersChula Vista, CA
2024

Why Trust MoneyGeek? To determine the best renters insurance in Chula Vista, California, we evaluated data from the California Department of Insurance and Quadrant Information Services.

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Renters insurance premiums in Chula Vista represent the most competitive estimates as of September 2024.

768Quotes Analyzed
 
8Providers Analyzed
 
2ZIP Codes

Overall Best Renters Insurance in Chula Vista, CA

The best renters insurance in Chula Vista, California is Nationwide, with a MoneyGeek score of 92 out of 100 and an annual premium of $103. The following providers are the two best renters insurance providers in Chula Vista for a policy with $20,000 in personal property coverage, $100,000 in personal liability, and a $1,000 deductible.

  • Nationwide: MoneyGeek score of 92 out of 100 ($103 per year)
  • State Farm: MoneyGeek score of 87 out of 100 ($121 per year)

Nationwide has perfectly balanced customer satisfaction and affordability with an affordability score of 50 out of 55.

Company logo for Nationwide
Best OverallNationwide
MoneyGeek Score:
92/ of 100

Overview

Nationwide ranks first in coverage in Chula Vista, with an annual premium of $103. It offers uncommon coverages like credit card forgery and theft from vehicles. Credit card forgery coverage protects you against unauthorized transactions on your credit cards and bank debit/ATM cards. Theft from vehicles coverage extends protection to your personal belongings stored in or on any motor vehicle, trailer or watercraft.

Best Renters Insurance in Chula Vista, CA
Data filtered by:Results filtered by:
Coverage:
Coverage:$20K Personal Property
NationwideMoneyGeek Score92Annual Premium$ 103
State FarmMoneyGeek Score87Annual Premium$ 121
TravelersMoneyGeek Score87Annual Premium$ 137
AllstateMoneyGeek Score85Annual Premium$ 105
Capital Insurance GroupMoneyGeek Score82Annual Premium$ 77
FarmersMoneyGeek Score74Annual Premium$ 166
ChubbMoneyGeek Score61Annual Premium$ 277

Cheapest Renters Insurance in Chula Vista, CA

Nationwide offers the cheapest renters insurance in Chula Vista, California, with an annual premium of $77 for $20,000 in personal property coverage. The two cheapest providers are:

-Nationwide: $103 per year -Capital Insurance Group: $77 per year

MoneyGeek rated the cheapest renters insurance in Chula Vista with minimal consideration for customer service. Personal property coverage protects your belongings from damage or theft.

Cheap renters insurance policies often have low personal property coverage limits. Higher coverage limits can increase monthly costs but offer better protection if you have many belongings.

Cheapest Renters Insurance in Chula Vista, CA
Data filtered by:Results filtered by:
Coverage:
Coverage:$20K Personal Property
Capital Insurance GroupMoneyGeek Score89Annual Premium$ 77
NationwideMoneyGeek Score91Annual Premium$ 103
AllstateMoneyGeek Score87Annual Premium$ 105
State FarmMoneyGeek Score87Annual Premium$ 121
TravelersMoneyGeek Score84Annual Premium$ 137
FarmersMoneyGeek Score71Annual Premium$ 166
ChubbMoneyGeek Score49Annual Premium$ 277

Cheapest Renters Insurance With a High Deductible Chula Vista, CA

In Chula Vista, California, Capital Insurance Group offers the cheapest renters insurance for a policy with $20,000 in personal property coverage and a $2,000 deductible, with an annual premium of $60. The two cheapest providers are:

  • Capital Insurance Group: $60 per year
  • Nationwide: $81 per year

A deductible is the amount you pay out of pocket before your insurance covers a claim, and it can affect your rates. A higher deductible often leads to cheaper premiums, while a lower deductible means higher premiums. It’s important to balance both to ensure you’re covered if you need to file a claim. Renters should consider their financial situation and potential risks when choosing a deductible.

Cheapest High Deductible Renters Insurance in Chula Vista, CA
Data filtered by:Results filtered by:
Coverage:
Coverage:$20K Personal Property
Deductible:
Deductible:$ 2,000
Capital Insurance GroupMoneyGeek Score82Annual Premium$ 60
NationwideMoneyGeek Score93Annual Premium$ 81
AllstateMoneyGeek Score82Annual Premium$ 105
TravelersMoneyGeek Score89Annual Premium$ 111
State FarmMoneyGeek Score84Annual Premium$ 119
FarmersMoneyGeek Score71Annual Premium$ 163
ChubbMoneyGeek Score61Annual Premium$ 257
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HOW TO SET YOUR DEDUCTIBLE

When selecting a deductible, make sure it's an amount you can easily pay out-of-pocket if you need to file a claim. A higher deductible can lower your premium, resulting in overall cost savings while still providing adequate coverage.

Best Renters Insurance for Customer Service in Chula Vista, CA

In Chula Vista, California, Travelers is the best renters insurance company for service quality with an annual premium of $137. The following providers are the two best providers in Chula Vista, California, for a policy with $20,000 in personal property coverage, for those who value great customer service without considering affordability:

  • Travelers: MoneyGeek score of 96 out of 100 ($137 per year)
  • Nationwide: MoneyGeek score of 95 out of 100 ($103 per year)

MoneyGeek scores renters insurance providers and their customer satisfaction based on J.D. Power surveys, which assess customer experiences with insurance companies. Great customer service is important for renters looking for insurance because it ensures a smooth and stress-free experience, especially when filing a claim. When you make a claim, great customer service means quick responses, clear communication and efficient resolution of your issues.

Company logo for Travelers
Best Service QualityTravelers
MoneyGeek Score:
96/ of 100

Overview

Travelers ranks first in customer satisfaction and coverage in Chula Vista, California. With an annual premium of $137, it is the cheapest provider in the area.

It offers contents replacement cost and valuable items Insurance coverages. Contents replacement cost settles covered personal property losses based on replacement cost without depreciation, ensuring you get the full value of your items. Valuable items insurance protects special property like jewelry and fine art without requiring appraisals or listings.

Best Renters Insurance for Service Quality in Chula Vista, CA
Data filtered by:Results filtered by:
Coverage:
Coverage:$20K Personal Property
TravelersMoneyGeek Score96Annual Premium$ 137
NationwideMoneyGeek Score95Annual Premium$ 103
ChubbMoneyGeek Score93Annual Premium$ 277
State FarmMoneyGeek Score86Annual Premium$ 121
AllstateMoneyGeek Score77Annual Premium$ 105
FarmersMoneyGeek Score77Annual Premium$ 166
Capital Insurance GroupMoneyGeek Score61Annual Premium$ 77

Best Renters Insurance for High Personal Property Limits in Chula Vista, CA

For renters in Chula Vista, California needing substantial personal property coverage, Nationwide is the standout choice, offering a policy with $100,000 in coverage at an annual premium of $307. The two best providers are:

  • Nationwide: MoneyGeek score of 93 out of 100 ($307 per year)
  • Travelers: MoneyGeek score of 92 out of 100 ($350 per year)

High personal property coverage is designed for individuals with a significant amount of personal belongings to protect. Renters with extensive personal assets often require higher personal property coverage, which safeguards items like furniture, electronics, and clothing against potential losses.

Increased coverage levels typically lead to higher premiums, so finding a provider that delivers both cost efficiency and excellent service is key when you have a lot to protect. High-value items like jewelry or art may exceed standard policy limits and necessitate additional coverage.

Company logo for Nationwide
Best High Personal Property LimitNationwide
MoneyGeek Score:
93/ of 100

Overview

Nationwide ranks first in Chula Vista for affordability and customer satisfaction for renters with expensive homes, offering an annual premium of $307. Nationwide provides valuable coverages like credit card forgery and theft from vehicles. Credit card forgery covers unauthorized transactions on your credit cards and bank cards, protecting you from financial loss. Theft from vehicles extends protection to personal belongings stored in your vehicle, ensuring your high-value items are covered even when on the go.

Best Renters Insurance for High Personal Property Limits in Chula Vista, CA
NationwideMoneyGeek Score93Annual Premium$ 307
TravelersMoneyGeek Score92Annual Premium$ 350
State FarmMoneyGeek Score91Annual Premium$ 311
AllstateMoneyGeek Score85Annual Premium$ 321
Capital Insurance GroupMoneyGeek Score82Annual Premium$ 238
FarmersMoneyGeek Score79Annual Premium$ 429
ChubbMoneyGeek Score61Annual Premium$ 872
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SCHEDULED PERSONAL PROPERTY COVERAGE

If you own valuables such as fine jewelry or art, you would need additional coverage as these items are not usually covered by standard policies. Opt for a provider that offers scheduled personal property coverage, which extends coverage to such valuables.

Best Renters Insurance for Military Families in Chula Vista, CA

In Chula Vista, USAA ranks first for renters insurance, making it the top choice for those with military backgrounds. The following providers are the two best providers in Chula Vista for veterans for a policy with $20,000 in personal property coverage.

  • USAA: MoneyGeek score of 100 out of 100 ($78 per year)
  • Nationwide: MoneyGeek score of 92 out of 100 ($103 per year)

USAA offers a range of products tailored for those with a military background, providing discounts and coverages that suit the military lifestyle.

Company logo for USAA
Best for MilitaryUSAA
MoneyGeek Score:
100/ of 100

Overview

USAA reigns as the premier renters insurance provider for those with a military background in Chula Vista, acclaimed for its top-notch customer satisfaction and leading the pack in coverages and affordability. With an annual premium of $78, USAA stands out for its value and quality service.

USAA's contents replacement cost coverage ensures that in the event of a loss, policyholders can replace their belongings with new items, not just the depreciated value. Additionally, the worldwide personal property coverage offers peace of mind for military members who may be deployed or living abroad, protecting their possessions wherever they are stationed.

Best Renters Insurance for Military in Chula Vista, CA
Data filtered by:Results filtered by:
Coverage:
Coverage:$20K Personal Property
USAAMoneyGeek Score100Annual Premium$ 78
NationwideMoneyGeek Score92Annual Premium$ 103
State FarmMoneyGeek Score87Annual Premium$ 121
TravelersMoneyGeek Score87Annual Premium$ 137
AllstateMoneyGeek Score85Annual Premium$ 105
Capital Insurance GroupMoneyGeek Score82Annual Premium$ 77
FarmersMoneyGeek Score74Annual Premium$ 166
ChubbMoneyGeek Score61Annual Premium$ 277

Average Cost of Renters Insurance in Chula Vista, CA

The average cost of renters insurance in Chula Vista, California, is $141 annually, which breaks down to $12 monthly. This is slightly lower than the state average of $148 and the national average of $145. These rates are based on a renters insurance policy with $20,000 personal property limits, $100,000 liability limits, and a $1,000 deductible.

The average cost of renters insurance in Chula Vista may vary greatly depending on the amount of personal property coverage you purchase. Personal property coverage protects the value of your belongings in case of damage or theft. Use the calculator below to see how prices change based on the value of your personal property.

Personal Property Coverage Calculator

When figuring out how much renters insurance you need, experts recommend the standard $100,000 in liability insurance and enough personal property protection to cover your possessions. Use MoneyGeek's calculator to estimate the value of your possessions so you know how much personal property coverage to buy.

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Factors That Impact Renters Insurance Costs in Chula Vista

The cost of renters insurance in Chula Vista, California, is influenced by multiple factors, including the location of the rental property and the amount of coverage desired. Understanding these variables is key to finding a policy that fits your budget and needs.

  • Location: The area where you live can affect your premium due to crime rates and weather-related risks.
  • Coverage Amount: Opting for higher coverage limits will increase your insurance costs.
  • Deductible: Choosing a higher deductible can lower your monthly premium, but you'll pay more out of pocket in the event of a claim.
  • Claims History: Renters with a history of claims may face higher premiums due to a higher perceived risk by insurance companies.
  • Credit Score: Insurance companies may factor in your credit history when determining your premium, with better credit records often leading to lower costs.

What Renters Insurance Covers in Chula Vista, CA

Renters insurance primarily provides coverage for your personal belongings, but it also covers additional areas such as liability and living expenses if your rental is rendered uninhabitable. Here’s what a typical policy includes:

  • Personal Property Coverage: This covers the cost to repair or replace your belongings if they're damaged or stolen. For instance, a renter in Texas may receive compensation for a stolen laptop.
  • Personal Liability Coverage: This protects you financially if a guest is injured in your rental or you cause property damage. A Texas renter could use this coverage if a guest slips and falls in their apartment.
  • Loss of Use Coverage: This helps with additional living expenses if your rental is unlivable due to a covered peril. A renter might rely on loss of use coverage to pay for a hotel stay after a fire.
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COMMONLY COVERED PERILS

Renters insurance typically covers losses from incidents like theft, fire and water damage. Understanding your policy's specific coverage is key to ensuring you're protected. Here are common situations renters insurance covers:

  • Fire or lightning
  • Windstorm or hail
  • Explosions
  • Riots
  • Aircraft
  • Vehicles
  • Smoke damage

What Renters Insurance Does Not Cover in Chula Vista

Although renters insurance provides a financial safety net, it doesn't shield against every mishap. For instance, it typically excludes flood damage and your roommate's possessions.

  • Natural Disasters: Standard renters insurance often does not cover damage from earthquakes or floods.
  • Roommate's Belongings: Personal property coverage does not extend to items owned by a roommate unless they are listed on the policy.
  • High-Value Items: Expensive jewelry or electronics may exceed the policy's limit and require additional coverage.
  • Business Equipment: Property used for business purposes might not be covered under a standard renters insurance policy.
  • Pest Damage: Infestations and damage from pests like bed bugs or rodents are usually not covered.
  • Car Theft: Although personal property stolen from your car may be covered, the theft of the car itself is not.

FAQ: Renters Insurance in Chula Vista, CA

The best renters insurance provider for you in Chula Vista ultimately depends on your specific needs. Below, we address some common questions to help guide your decision.

How much is renters insurance in Chula Vista, California, on average?
What is the cheapest renters insurance company in Chula Vista, California?
What is the best renters insurance company in Chula Vista, California?
Do I need renters insurance in Chula Vista, California?

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.