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


Updated: September 13, 2024

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The best renters insurance company in Rialto, California is Nationwide, with a MoneyGeek score of 95 and an annual premium of $116. The cheapest provider is Capital Insurance Group, with a score of 89 and an annual premium of $108. The best homeowners insurance provider should offer a balance of customer service with affordability.

For service quality, Travelers wins with a score of 96 and an annual premium of $156. MoneyGeek also looked into the best and cheapest renters insurance in California for those who live elsewhere in the state.

MoneyGeek Logo IconBest & CheapestRentersRialto, CA
2024

Table of Contents

Why Trust MoneyGeek? To determine the top renters insurance options in California, MoneyGeek analyzed data from the California Department of Insurance and Quadrant Information Services, focusing on the city of Rialto.

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

768Quotes Analyzed
 
8Providers Analyzed
 
2ZIP Codes

Overall Best Renters Insurance in Rialto, CA

The best renters insurance in Rialto, California is Nationwide with a MoneyGeek score of 95 out of 100 and an annual premium of $116. The following providers are the top two best renters insurance providers in Rialto for a policy with $20,000 in personal property coverage, $100,000 in personal liability, and a $1,000 deductible.

  • Nationwide MoneyGeek score of 95 out of 100 ($116 per year)
  • Travelers: MoneyGeek score of 86 out of 100 ($156 per year)

Nationwide perfectly balances customer satisfaction and affordability.

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

Overview

Nationwide ranks first in Coverage in Rialto, California, with an annual premium of $116.

Nationwide offers uncommon coverages like credit card forgery and theft from vehicles. Credit card forgery pays for unauthorized transactions on your credit cards and bank debit/ATM cards, including forged checks and counterfeit money. Theft from vehicles provides extended protection for personal belongings stored in or on any motor vehicle, trailer, or watercraft.

Best Renters Insurance in Rialto, California
Data filtered by:Results filtered by:
Coverage:
Coverage:$20K Personal Property
NationwideMoneyGeek Score95Annual Premium$ 116
TravelersMoneyGeek Score86Annual Premium$ 156
State FarmMoneyGeek Score86Annual Premium$ 144
AllstateMoneyGeek Score86Annual Premium$ 124
Capital Insurance GroupMoneyGeek Score82Annual Premium$ 108
FarmersMoneyGeek Score73Annual Premium$ 178
ChubbMoneyGeek Score61Annual Premium$ 260

Cheapest Renters Insurance in Rialto, CA

In Rialto, California, Capital Insurance Group offers the cheapest renters insurance with an annual premium of $108 for $20,000 in personal property coverage. Personal property coverage helps protect your belongings in case of damage or theft. The following providers are the top two cheapest options in Rialto for $20,000 in personal property coverage and a $1,000 deductible:

  • Capital Insurance Group: $108 per year
  • Nationwide: $116 per year

Cheap renters insurance policies often have low personal property coverage limits. While higher coverage limits can increase monthly costs, they provide better protection if you have many personal belongings.

Cheapest Renters Insurance in Rialto, California
Data filtered by:Results filtered by:
Coverage:
Coverage:$20K Personal Property
NationwideMoneyGeek Score95Annual Premium$ 116
Capital Insurance GroupMoneyGeek Score89Annual Premium$ 108
AllstateMoneyGeek Score89Annual Premium$ 124
State FarmMoneyGeek Score86Annual Premium$ 144
TravelersMoneyGeek Score83Annual Premium$ 156
FarmersMoneyGeek Score70Annual Premium$ 178
ChubbMoneyGeek Score49Annual Premium$ 260

Cheapest Renters Insurance With a High Deductible Rialto, CA

In Rialto, California, Nationwide 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 $91. A deductible is the amount you pay out of pocket before your insurance kicks in and it can affect your rates. The following providers are the top two cheapest providers in Rialto for $20,000 in personal property coverage and a $2,000 deductible:

  • Nationwide: $91 per year
  • Capital Insurance Group: $85 per year

A higher deductible often leads to cheaper premiums, while a lower deductible means higher premiums. It's important to balance both to suit your financial situation. If you need to file a claim, a higher deductible means you'll pay more out of pocket, while a lower deductible means higher premiums but less out-of-pocket expense when filing a claim.

Cheapest High Deductible Renters Insurance in Rialto, California
Data filtered by:Results filtered by:
Coverage:
Coverage:$20K Personal Property
Deductible:
Deductible:$ 2,000
Capital Insurance GroupMoneyGeek Score82Annual Premium$ 85
NationwideMoneyGeek Score95Annual Premium$ 91
AllstateMoneyGeek Score81Annual Premium$ 124
TravelersMoneyGeek Score88Annual Premium$ 127
State FarmMoneyGeek Score82Annual Premium$ 142
FarmersMoneyGeek Score69Annual Premium$ 174
ChubbMoneyGeek Score61Annual Premium$ 240
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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 Rialto, CA

Travelers is the best renters insurance company for service quality in Rialto, California, with an annual premium of $156. The following providers are the top two best in Rialto, 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 ($156 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 claims process and peace of mind. When you file a claim, excellent customer service means your concerns are addressed promptly and efficiently, making the experience less stressful.

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

Overview

Travelers ranks first in customer satisfaction and coverage in Rialto, California, with an annual premium of $156.

Travelers offers contents replacement cost coverage, which ensures your personal property is replaced at its current value without depreciation. This can be crucial for renters looking to replace lost or damaged items.

Additionally, the scheduled personal property coverage protects high-value items like jewelry and fine art against a variety of losses, providing peace of mind without the need for appraisals or item listings.

Best Renters Insurance For Service Quality in Rialto, California
Data filtered by:Results filtered by:
Coverage:
Coverage:$20K Personal Property
TravelersMoneyGeek Score96Annual Premium$ 156
NationwideMoneyGeek Score95Annual Premium$ 116
ChubbMoneyGeek Score93Annual Premium$ 260
State FarmMoneyGeek Score86Annual Premium$ 144
AllstateMoneyGeek Score77Annual Premium$ 124
FarmersMoneyGeek Score77Annual Premium$ 178
Capital Insurance GroupMoneyGeek Score61Annual Premium$ 108

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

Nationwide offers the best renters insurance for individuals in Rialto, California, requiring high personal property coverage, with an annual premium of $354 for a policy with $100,000 in personal property coverage. High personal property coverage means a substantial amount of protection for your belongings. For $100K in personal property coverage, the top two best providers in Rialto are:

  • Nationwide: MoneyGeek score of 95 out of 100 ($354 per year)
  • Travelers: MoneyGeek score of 93 out of 100 ($396 per year)

When you own a lot of belongings, you often need more coverage to protect your investment. Personal property coverage safeguards items like furniture, electronics, and clothing from theft or damage.

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

Overview

Nationwide ranks first in Rialto for expensive homes, offering affordability and high customer satisfaction. With an annual premium of $354, it’s a top choice for homeowners.

Nationwide includes uncommon coverage for credit card forgery, protecting against unauthorized transactions on your cards. Additionally, it offers reasonably rare coverage for theft from vehicles, ensuring your belongings are safe even when stored in your car. These coverages provide peace of mind for renters with valuable possessions.

Best Renters Insurance for High Personal Property Limits in Rialto, California
NationwideMoneyGeek Score95Annual Premium$ 354
TravelersMoneyGeek Score93Annual Premium$ 396
State FarmMoneyGeek Score91Annual Premium$ 385
AllstateMoneyGeek Score86Annual Premium$ 382
Capital Insurance GroupMoneyGeek Score82Annual Premium$ 333
FarmersMoneyGeek Score79Annual Premium$ 473
ChubbMoneyGeek Score61Annual Premium$ 796
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SCHEDULED PERSONAL PROPERTY COVERAGE

If you own high-value items like jewelry or art, additional coverage is necessary as these are often excluded from standard policies. Look for an insurance provider that offers scheduled personal property coverage to protect these valuables.

Best Renters Insurance for Military Families in Rialto, CA

In Rialto, USAA is the top-ranked renters insurance company for those with military backgrounds, boasting an annual premium of $251. USAA is a company exclusively serving military members and their families. The following providers are the top two best providers in Rialto for veterans for a policy with $20,000 in personal property coverage.

  • Nationwide: MoneyGeek score of 95 out of 100 ($116 per year)
  • Travelers: MoneyGeek score of 86 out of 100 ($156 per year)

USAA offers a range of products tailored for those with a military background, providing discounts and coverages that suit the military lifestyle. It is the most affordable option in Rialto for military members.

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

Overview

USAA stands out as the premier renter's insurance provider for those with a military background in Rialto, leading in customer satisfaction and offering the most comprehensive coverage. With an annual premium of $251, it's both affordable and reliable.

USAA offers contents replacement cost and worldwide personal property coverages. These benefits are tailored to the unique needs of military renters,

Best Renters Insurance for Military in Rialto, California
Data filtered by:Results filtered by:
Coverage:
Coverage:$20K Personal Property
USAAMoneyGeek Score100Annual Premium$ 251
NationwideMoneyGeek Score95Annual Premium$ 116
TravelersMoneyGeek Score86Annual Premium$ 156
State FarmMoneyGeek Score86Annual Premium$ 144
AllstateMoneyGeek Score86Annual Premium$ 124
Capital Insurance GroupMoneyGeek Score82Annual Premium$ 108
FarmersMoneyGeek Score73Annual Premium$ 178
ChubbMoneyGeek Score61Annual Premium$ 260

Average Cost of Renters Insurance in Rialto, CA

The average cost of renters insurance in Rialto, California is $155 annually, or $13 monthly. This is slightly higher 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.

Renters should note that the average cost of renters insurance in Rialto may vary greatly depending on the amount of personal property coverage you purchase. Personal property coverage protects 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 Rialto

Factors such as location and coverage amount can significantly impact costs. Knowing these details helps renters make informed decisions and avoid unnecessary expenses. Below are key factors that affect renters insurance costs:

  • Location: Areas with higher crime rates or natural disaster risks tend to have higher premiums. Insurers consider these risks when calculating costs.
  • Coverage Amount: Higher coverage limits mean higher premiums. More extensive coverage provides better protection but comes at a cost.
  • Deductible: Lower deductibles result in higher premiums. Choosing a higher deductible can reduce your monthly costs but increases your out-of-pocket expenses in the event of a claim.
  • Credit Score: Poor credit scores can lead to higher insurance premiums. Insurers use credit scores to assess risk, impacting the cost of your policy.
  • Claims History: Frequent claims can result in increased premiums. Insurers view a history of claims as an indicator of higher risk.

What Renters Insurance Covers in Rialto, CA

Renters insurance covers personal belongings, liability, and additional living expenses. It protects against theft, fire, and some natural disasters. Purchasing renters insurance is important because it provides financial protection and peace of mind. Renters can avoid significant out-of-pocket costs in case of unexpected events.

  • Personal Property Coverage: This coverage protects your belongings like furniture, electronics, and clothing. For example, if a fire damages your apartment in California, your policy would cover the cost to replace your items.
  • Personal Liability Coverage: This provides protection if you are legally responsible for injuries or property damage. For instance, if someone slips and falls in your California rental, your policy could cover their medical bills and legal fees.
  • Loss Of Use Coverage: This covers additional living expenses if your rental becomes uninhabitable. For example, if an earthquake makes your California apartment unsafe, loss of use would cover the cost of temporary housing.
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COMMONLY COVERED PERILS

Renters insurance only covers specific circumstances, such as fire and theft. Knowing what is covered helps you avoid unexpected expenses. Here are some common situations covered by renters insurance:

- Fire
- Theft
- Vandalism
- Water damage from plumbing
- Smoke damage
- Windstorm
- Hail

What Renters Insurance Does Not Cover in Rialto

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

FAQ: Renters Insurance in Rialto, CA

The best renters insurance provider for you in Rialto ultimately depends on your needs. Below, we address some frequently asked questions to help you make an informed decision.

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