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


Updated: September 12, 2024

The best renters insurance company in Glendale, California, is Travelers with a MoneyGeek score of 94 and an annual premium of $117. The cheapest renters insurance provider in Glendale, California, is Capital Insurance Group with a MoneyGeek score of 89 and an annual premium of $82.

The best homeowners insurance provider should offer a balance of customer service with affordability. Depending on your needs, other providers may be best. For example, Travelers is the best for service quality with an annual premium of $117. 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 & CheapestRentersGlendale, CA
2024

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

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

768Quotes Analyzed
 
8Providers Analyzed
 
2ZIP Codes

Overall Best Renters Insurance in Glendale, CA

The best renters insurance in Glendale, California, is Travelers, with a MoneyGeek score of 94 out of 100 and an annual premium of $117. The following providers are the two best renters insurance providers in Glendale for a policy with $20,000 in personal property coverage, $100,000 in personal liability, and a $1,000 deductible:

  • Travelers: MoneyGeek score of 94 out of 100 ($117 per year)
  • State Farm: MoneyGeek score of 90 out of 100 ($121 per year)

Travelers perfectly balances customer satisfaction and affordability with an affordability score of 51 out of 55.

Company logo for Travelers
Best OverallTravelers
MoneyGeek Score:
94/ of 100

Overview

Travelers ranks first in coverage in Glendale, with an annual premium of $117. Travelers offers contents replacement cost, which covers personal property losses based on replacement cost without depreciation. This benefits renters by ensuring they can replace lost items at current market value.

Additionally, valuable items insurance protects high-value items like jewelry and fine art from various losses, allowing renters to add higher coverage limits without needing appraisals.

Best Renters Insurance in Glendale, CA
Data filtered by:Results filtered by:
Coverage:
Coverage:$20K Personal Property
TravelersMoneyGeek Score94Annual Premium$ 117
State FarmMoneyGeek Score90Annual Premium$ 121
NationwideMoneyGeek Score89Annual Premium$ 141
Capital Insurance GroupMoneyGeek Score82Annual Premium$ 82
AllstateMoneyGeek Score82Annual Premium$ 148
FarmersMoneyGeek Score80Annual Premium$ 159
ChubbMoneyGeek Score61Annual Premium$ 366

Cheapest Renters Insurance in Glendale, CA

In Glendale, California, Capital Insurance Group offers the cheapest renters insurance with an annual premium of $82 for $20,000 in personal property coverage. The following providers are the two cheapest providers in Glendale for $20,000 in personal property coverage and a $1,000 deductible, with minimal consideration for customer service by MoneyGeek:

  • Capital Insurance Group: $82 per year
  • Travelers: $117 per year

Personal property coverage protects your belongings in case of events like theft, fire, or water damage. Cheap renters insurance policies often have low personal property coverage limits. Higher personal property coverage limits can lead to higher monthly costs but offer better protection if you have many belongings.

Cheapest Renters Insurance in Glendale, CA
Data filtered by:Results filtered by:
Coverage:
Coverage:$20K Personal Property
Capital Insurance GroupMoneyGeek Score89Annual Premium$ 82
TravelersMoneyGeek Score93Annual Premium$ 117
State FarmMoneyGeek Score91Annual Premium$ 121
NationwideMoneyGeek Score87Annual Premium$ 141
AllstateMoneyGeek Score83Annual Premium$ 148
FarmersMoneyGeek Score80Annual Premium$ 159
ChubbMoneyGeek Score49Annual Premium$ 366

Cheapest Renters Insurance With a High Deductible Glendale, CA

In Glendale, 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 $64. The following providers are the two cheapest providers in Glendale for $20,000 in personal property coverage and a $2,000 deductible:

  • Capital Insurance Group: $64 per year
  • Travelers: $94 per year

A deductible is the amount you pay out of pocket before your insurance kicks in and can affect your rates. A higher deductible often leads to cheaper premiums, while a lower deductible means higher premiums. Balance both to ensure you can afford the deductible if you need to file a claim. Renters should consider their financial situation and risk tolerance when choosing a deductible.

Cheapest High Deductible Renters Insurance in Glendale, CA
Data filtered by:Results filtered by:
Coverage:
Coverage:$20K Personal Property
Deductible:
Deductible:$ 2,000
Capital Insurance GroupMoneyGeek Score82Annual Premium$ 64
TravelersMoneyGeek Score94Annual Premium$ 94
NationwideMoneyGeek Score90Annual Premium$ 111
State FarmMoneyGeek Score88Annual Premium$ 119
AllstateMoneyGeek Score79Annual Premium$ 148
FarmersMoneyGeek Score78Annual Premium$ 156
ChubbMoneyGeek Score61Annual Premium$ 338
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HOW TO SET YOUR DEDUCTIBLE

When selecting a deductible for your insurance policy, ensure it's an amount you can pay out of pocket if you need to file a claim. If you can afford it, opting for a higher deductible could decrease your annual premiums, leading to savings over time while still providing the financial protection you need.

Best Renters Insurance for Customer Service in Glendale, CA

In Glendale, California, Travelers offers the best renters insurance for service quality with an annual premium of $117. The following providers are the two best in Glendale 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 ($117 per year)
  • Nationwide: MoneyGeek score of 95 out of 100 ($141 per year)

MoneyGeek scores renters insurance providers based on J.D. Power surveys, which measure customer satisfaction and service quality. Great customer service is important for renters looking for insurance, becasue it ensures smooth and efficient claims processing. For example, when you make a claim, excellent customer service can help you navigate the process quickly and get your compensation without hassle.

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

Overview

In Glendale, California, Travelers ranks first in customer satisfaction and coverages. The company offers an annual premium of $117. Travelers provides contents replacement cost and scheduled personal property coverages. Contents replacement cost covers personal property losses based on replacement cost at the time of loss, without depreciation. Scheduled personal property protects high-value items like jewelry and fine art, allowing renters to add higher coverage limits without needing appraisals.

Best Renters Insurance for Service Quality in Glendale, CA
Data filtered by:Results filtered by:
Coverage:
Coverage:$20K Personal Property
TravelersMoneyGeek Score96Annual Premium$ 117
NationwideMoneyGeek Score95Annual Premium$ 141
ChubbMoneyGeek Score93Annual Premium$ 366
State FarmMoneyGeek Score86Annual Premium$ 121
AllstateMoneyGeek Score77Annual Premium$ 148
FarmersMoneyGeek Score77Annual Premium$ 159
Capital Insurance GroupMoneyGeek Score61Annual Premium$ 82

Best Renters Insurance for High Personal Property Limits in Glendale, CA

In Glendale, California, Travelers offers the best renters insurance for those needing high personal property coverage, with an annual premium of $284 for a policy with $100,000 in personal property coverage. For $100,000 in personal property coverage, the two best providers in Glendale are:

  • Travelers: MoneyGeek score of 97 out of 100 ($284 per year)
  • State Farm: MoneyGeek score of 93 out of 100 ($307 per year)

High personal property coverage means insuring belongings for amounts greater than the standard policy limits. Renters with a substantial amount of personal belongings often require higher personal property coverage. This coverage protects items like furniture, electronics, and clothing from theft, damage, or loss.

As coverage limits increase, so does the cost, underscoring the importance of selecting a provider that delivers both affordability and exemplary service. Additionally, high-value items such as jewelry or art typically aren't covered under standard renters insurance policies and may necessitate additional coverage.

Company logo for Travelers
Best High Personal Property LimitTravelers
MoneyGeek Score:
97/ of 100

Overview

Travelers ranks first in affordability and customer satisfaction for expensive homes in Glendale, with an annual premium of $284. Travelers offers contents replacement cost, which covers personal property losses based on replacement cost without depreciation. Scheduled personal property coverage protects high-value items like jewelry and fine art, allowing renters to add higher limits without needing appraisals.

Best Renters Insurance for High Personal Property Limits in Glendale, CA
TravelersMoneyGeek Score97Annual Premium$ 284
State FarmMoneyGeek Score93Annual Premium$ 307
NationwideMoneyGeek Score90Annual Premium$ 447
FarmersMoneyGeek Score85Annual Premium$ 402
AllstateMoneyGeek Score83Annual Premium$ 458
Capital Insurance GroupMoneyGeek Score82Annual Premium$ 253
ChubbMoneyGeek Score61Annual Premium$ 1,273
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SCHEDULED PERSONAL PROPERTY COVERAGE

If you own high-value items like jewelry or art, they often require additional coverage as they're not typically included in standard policies. Opt for a provider that offers scheduled personal property coverage to ensure these valuables are protected.

Best Renters Insurance for Military Families in Glendale, CA

USAA is the top-ranked renters insurance company in Glendale, exclusively serving those with military backgrounds. The following providers are the two best providers in Glendale for veterans for a policy with $20,000 in personal property coverage.

  • USAA: MoneyGeek score of 100 out of 100 ($187 per year)
  • Travelers: MoneyGeek score of 94 out of 100 ($117 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 stands out as the premier renters insurance provider for those with a military background in Glendale, topping the charts in customer satisfaction and coverage. With an annual premium of $187, USAA demonstrates its commitment to affordability and quality service.

USAA's Contents replacement cost coverage ensures that in the event of theft or damage, you can replace your belongings at their current cost, not the depreciated value. Additionally, its worldwide personal property coverage offers peace of mind for deployed military personnel, protecting belongings anywhere in the world.

Best Renters Insurance for Military in Glendale, CA
Data filtered by:Results filtered by:
Coverage:
Coverage:$20K Personal Property
USAAMoneyGeek Score100Annual Premium$ 187
TravelersMoneyGeek Score94Annual Premium$ 117
State FarmMoneyGeek Score90Annual Premium$ 121
NationwideMoneyGeek Score89Annual Premium$ 141
Capital Insurance GroupMoneyGeek Score82Annual Premium$ 82
AllstateMoneyGeek Score82Annual Premium$ 148
FarmersMoneyGeek Score80Annual Premium$ 159
ChubbMoneyGeek Score61Annual Premium$ 366

Average Cost of Renters Insurance in Glendale, CA

The average cost of renters insurance in Glendale, California is $162 per year, which breaks down to $13 per month. This is higher than the average cost of renters insurance in California, which is $148 annually. Compared to the national average of $145, Glendale's cost is $17 more expensive per year. These rates are based on a renters insurance policy with $20,000 personal property limits, $100,000 liability limits, and a $1,000 deductible.

Renters should note that the average cost of renters insurance in Glendale may vary greatly depending on the amount of personal property coverage you purchase. Personal property coverage protects your belongings in case of theft, fire, or other covered events. 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 Glendale

The cost of renters insurance in Glendale, 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 Glendale, 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 Glendale

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 Glendale, CA

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

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