Best and Cheapest Renters Insurance in Jurupa Valley, CA (Sept 2024)


Updated: September 13, 2024

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Nationwide is the best renters insurance company in Jurupa Valley, California, with a MoneyGeek score of 91 and an average annual premium of $116. Capital Insurance Group is the cheapest renters insurance provider in Jurupa Valley, California, with a MoneyGeek score of 89 and an average annual premium of $82. The best and cheapest quotes are based on $20,000 in personal property coverage.

The best homeowners insurance provider should balance customer service with affordability. Depending on your needs, other providers may be best. For example, Travelers offers the best service quality, with an annual premium of around $150. MoneyGeek also looked into the best and cheapest renters insurance in California for those who live elsewhere in the state.

MoneyGeek Logo IconBest & CheapestRentersJurupa Valley
2024

Table of Contents

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

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

768Quotes Analyzed
 
8Providers Analyzed
 
2ZIP Codes

Overall Best Renters Insurance in Jurupa Valley, CA

Nationwide is the best renters insurance provider in Jurupa Valley, California, with a MoneyGeek score of 91 out of 100 and an average annual premium of $116. These are the top two best renters insurance providers in Jurupa Valley for a policy with $20,000 in personal property coverage, $100,000 in personal liability and a $1,000 deductible:

  • Nationwide: MoneyGeek score of 91 out of 100 ($116 per year)
  • State Farm: MoneyGeek score of 86 out of 100 ($133 per year)

Nationwide has perfectly balanced customer satisfaction and affordability, with an affordability score of 49 out of 55.

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

Overview

Nationwide ranks first in coverage in Jurupa Valley, with an average annual premium of $116. It provides coverage for credit card forgery and theft from vehicles. Credit card forgery covers unauthorized transactions on your credit cards and bank debit/ATM cards, protecting you from financial loss. Theft from vehicles extends protection to your personal belongings stored in or on any motor vehicle, trailer or watercraft, ensuring your valuables are covered even when on the go.

Best Renters Insurance in Jurupa Valley, CA
Data filtered by:Results filtered by:
Coverage:
Coverage:$20K Personal Property
NationwideMoneyGeek Score91Annual Premium$ 116
State FarmMoneyGeek Score86Annual Premium$ 133
TravelersMoneyGeek Score86Annual Premium$ 150
AllstateMoneyGeek Score85Annual Premium$ 111
Capital Insurance GroupMoneyGeek Score82Annual Premium$ 82
FarmersMoneyGeek Score72Annual Premium$ 184
ChubbMoneyGeek Score61Annual Premium$ 290

Cheapest Renters Insurance in Jurupa Valley, CA

In Jurupa Valley, California, Capital Insurance Group offers the cheapest renters insurance, with an average annual premium of $82 for $20,000 in personal property coverage. These are the top two cheapest providers in Jurupa Valley for $20,000 in personal property coverage and a $1,000 deductible, with MoneyGeek rating the cheapest renters insurance with minimal consideration for customer service:

  • Capital Insurance Group: $82 per year
  • Allstate: $111 per year

Personal property coverage helps protect your belongings against damage or theft. 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 for those with many belongings.

Cheapest Renters Insurance in Jurupa Valley, CA
Data filtered by:Results filtered by:
Coverage:
Coverage:$20K Personal Property
NationwideMoneyGeek Score89Annual Premium$ 116
Capital Insurance GroupMoneyGeek Score89Annual Premium$ 82
AllstateMoneyGeek Score87Annual Premium$ 111
State FarmMoneyGeek Score85Annual Premium$ 133
TravelersMoneyGeek Score83Annual Premium$ 150
FarmersMoneyGeek Score69Annual Premium$ 184
ChubbMoneyGeek Score49Annual Premium$ 290

Cheapest Renters Insurance With a High Deductible in Jurupa Valley, CA

In Jurupa Valley, California, Capital Insurance Group offers the cheapest renters insurance for a policy with $20,000 in personal property coverage and a $2,000 deductible at an average annual premium of $64. These are the top two cheapest providers in Jurupa Valley for $20,000 in personal property coverage and a $2,000 deductible:

  • Capital Insurance Group: $64 per year
  • Nationwide: $91 per year

A deductible is the amount you pay out of pocket before your insurance covers the rest, 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 can afford your premiums and manage costs if you need to file a claim.

Cheapest High Deductible Renters Insurance in Jurupa Valley, CA
Data filtered by:Results filtered by:
Coverage:
Coverage:$20K Personal Property
Deductible:
Deductible:$ 2,000
Capital Insurance GroupMoneyGeek Score82Annual Premium$ 64
NationwideMoneyGeek Score92Annual Premium$ 91
AllstateMoneyGeek Score82Annual Premium$ 111
TravelersMoneyGeek Score88Annual Premium$ 121
State FarmMoneyGeek Score83Annual Premium$ 131
FarmersMoneyGeek Score69Annual Premium$ 180
ChubbMoneyGeek Score61Annual Premium$ 269
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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 providing the financial protection you need.

Best Renters Insurance for Customer Service in Jurupa Valley, CA

In Jurupa Valley, California, Travelers is the best renters insurance company for service quality, with an average annual premium of $150. The following providers are the top two best in Jurupa Valley for a policy with $20,000 in personal property coverage, focusing on excellent customer service without considering affordability:

  • Travelers: MoneyGeek score of 96 out of 100 ($150 per year)
  • Nationwide: MoneyGeek score of 95 out of 100 ($116 per year)

Great customer service is important for renters looking for insurance because it ensures a smooth and stress-free experience when filing claims. For example, when you make a claim, a company with excellent customer service will handle your situation promptly and efficiently. MoneyGeek scores renters insurance providers based on customer satisfaction from J.D. Power surveys, which assess how well companies handle claims and customer interactions.

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

Overview

Travelers ranks first in customer satisfaction and coverages in Jurupa Valley, California, with an annual premium of around $150. It offers contents replacement cost and valuable items insurance coverages. Contents replacement cost covers personal property losses based on replacement cost without depreciation, ensuring renters can replace items at current market value. Valuable items insurance protects high-value items like jewelry and fine art, allowing renters to add higher coverage limits without needing appraisals or item listings.

Best Renters Insurance for Service Quality in Jurupa Valley, CA
Data filtered by:Results filtered by:
Coverage:
Coverage:$20K Personal Property
TravelersMoneyGeek Score96Annual Premium$ 150
NationwideMoneyGeek Score95Annual Premium$ 116
ChubbMoneyGeek Score93Annual Premium$ 290
State FarmMoneyGeek Score86Annual Premium$ 133
AllstateMoneyGeek Score77Annual Premium$ 111
FarmersMoneyGeek Score77Annual Premium$ 184
Capital Insurance GroupMoneyGeek Score61Annual Premium$ 82

Best Renters Insurance for High Personal Property Limits in Jurupa Valley, CA

Travelers offers the best renters insurance in Jurupa Valley, California, for those needing high personal property coverage. Its average annual premium is $363 for a policy with $100,000 in personal property coverage. For $100K in personal property coverage, the top two providers in Jurupa Valley are:

  • Travelers: MoneyGeek score of 92 out of 100 ($363 per year)
  • Nationwide: MoneyGeek score of 91 out of 100 ($354 per year)

Renters who own a lot of belongings often need higher personal property coverage, which safeguards items like electronics, furniture, and clothing. This coverage ensures that renters with valuable belongings are adequately protected. It typically comes at a higher cost; finding a provider that offers the right balance of affordability and quality service is vital. High-value items such as jewelry or art may need additional coverage to be fully protected.

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

Overview

Travelers ranks first in Jurupa Valley for expensive homes, offering affordability and high customer satisfaction. Its average annual premium is $363. Travelers provides contents replacement cost coverage, ensuring personal property losses are settled based on replacement cost without depreciation. Valuable items insurance protects high-value items like jewelry and fine art from various losses, offering security for renters with expensive homes.

Best Renters Insurance for High Personal Property Limits in Jurupa Valley, CA
TravelersMoneyGeek Score92Annual Premium$ 363
NationwideMoneyGeek Score91Annual Premium$ 354
State FarmMoneyGeek Score91Annual Premium$ 336
AllstateMoneyGeek Score85Annual Premium$ 344
Capital Insurance GroupMoneyGeek Score82Annual Premium$ 253
FarmersMoneyGeek Score77Annual Premium$ 494
ChubbMoneyGeek Score61Annual Premium$ 934
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SCHEDULED PERSONAL PROPERTY COVERAGE

If you own high-value items like jewelry or art, you may need additional insurance coverage since standard policies often don't cover them. Consider choosing a provider that offers scheduled personal property coverage to ensure these valuables are protected.

Best Renters Insurance for Military Families in Jurupa Valley, CA

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

  • USAA: MoneyGeek score of 100 out of 100 ($156 per year)
  • Nationwide: MoneyGeek score of 91 out of 100 ($116 per year)

USAA offers a range of products tailored for those with a military background, offering discounts and coverages that suit the military lifestyle. Although other insurers may have lower premiums, USAA's specialized offerings make it a better overall choice for service members in most cases.

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

Overview

USAA is the premier renters insurance provider for those with a military background in Jurupa Valley. It is acclaimed for top-notch customer satisfaction and coverage. With an exclusive focus on the military community, USAA ensures comprehensive protection at an average annual premium of $156. The company's contents replacement cost offers security from knowing your valuables can be replaced with new ones in case of theft or damage. The worldwide personal property coverage benefits military members, providing protection for belongings anywhere in the world.

Best Renters Insurance for Military in Jurupa Valley, CA
Data filtered by:Results filtered by:
Coverage:
Coverage:$20K Personal Property
USAAMoneyGeek Score100Annual Premium$ 156
NationwideMoneyGeek Score91Annual Premium$ 116
State FarmMoneyGeek Score86Annual Premium$ 133
TravelersMoneyGeek Score86Annual Premium$ 150
AllstateMoneyGeek Score85Annual Premium$ 111
Capital Insurance GroupMoneyGeek Score82Annual Premium$ 82
FarmersMoneyGeek Score72Annual Premium$ 184
ChubbMoneyGeek Score61Annual Premium$ 290

Average Cost of Renters Insurance in Jurupa Valley, CA

The average cost of renters insurance in Jurupa Valley, California, is $152 annually or $13 monthly. This rate is slightly higher than the California state average of $148 and higher than the national average of $145. These rates are based on a renters insurance policy with $20,000 in personal property limits, $100,000 in liability limits and a $1,000 deductible.

Renters should remember that the average cost of renters insurance in Jurupa Valley 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 perils. Use the calculator below to see how much coverage you need 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 Jurupa Valley

Various factors can influence renters insurance costs in Jurupa Valley, California. For example, the location and its crime rate can significantly impact premiums. The amount of coverage you choose also plays a role in determining your annual costs. Knowing these factors is essential when shopping for renters insurance, as it helps you make informed decisions and potentially save money. Below are some key factors that affect renters insurance costs:

  • Location: Areas with higher crime rates or natural disaster risks typically have higher premiums. Insurance companies charge more to cover the increased risk.
  • Coverage Amount: Higher coverage limits mean higher premiums. It’s essential to balance adequate protection with affordable costs.
  • Deductible Level: A higher deductible lowers your premium but increases out-of-pocket costs in the event of a claim. Choosing the right deductible depends on your financial situation.
  • Credit Score: Insurers often use credit scores to determine premiums. A higher credit score can lead to lower insurance costs.
  • Type of Property: The age, construction type and condition of your rental property can affect your premiums. Older or poorly maintained properties may result in higher costs.

What Renters Insurance Covers in Jurupa Valley, CA

Renters insurance primarily protects your personal belongings from damage, but it also covers other aspects like liability and additional living expenses. Here's a breakdown of what renters insurance typically covers:

  • Personal Property Coverage: This coverage protects your personal items from damage or theft. For example, if a fire damages your apartment in California, your policy would help replace your belongings.
  • Personal Liability Coverage: This covers legal expenses if someone is injured in your rental. For instance, if a guest slips and falls in your California apartment, this coverage would help with legal costs and medical bills.
  • Loss of Use Coverage: This pays for additional living expenses if your rental becomes uninhabitable. If an earthquake makes your California apartment unlivable, loss of use coverage would cover hotel stays and other related costs.
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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 Jurupa Valley

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 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: While personal property stolen from your car may be covered, the theft of the car itself is not.

FAQ: Renters Insurance in Jurupa Valley, CA

The best renters insurance provider in Jurupa Valley, California, depends on your unique needs. We answered the frequently asked questions to help you make an informed decision.

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