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


Updated: September 13, 2024

Advertising & Editorial Disclosure

The best renters insurance company in Roseville, California is Nationwide, with a MoneyGeek score of 88 and an annual premium of $124.
The cheapest provider in Roseville is Capital Insurance Group with a MoneyGeek score of 89 and an annual premium of $80.
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 a MoneyGeek score of 96 and an annual premium of $147.
MoneyGeek also looked into the best and cheapest renters insurance in California for those who live elsewhere in the state.

MoneyGeek Logo IconBest & CheapestRentersRoseville, CA
2024

Table of Contents

Why Trust MoneyGeek? To determine the top renters insurance in Roseville, California, we utilized information from the California Department of Insurance and Quadrant Information Services.

recency icon

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

768Quotes Analyzed
 
8Providers Analyzed
 
2ZIP Codes

Overall Best Renters Insurance in Roseville, CA

The best renters insurance in Roseville, California, is Nationwide with a MoneyGeek score of 88 out of 100 and an annual premium of $124. The following providers are the top two best renters insurance providers in Roseville for a policy with $20,000 in personal property coverage, $100,000 in personal liability, and a $1,000 deductible.

  • Nationwide: MoneyGeek score of 88 out of 100 ($124 per year)
  • Allstate: MoneyGeek score of 87 out of 100 ($93 per year)

The best provider in the city balances both cost and affordability.

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

Overview

Nationwide ranks first in coverage in Roseville, California, with an annual premium of $124.

Nationwide offers credit card forgery coverage, which pays for unauthorized transactions on your credit cards and bank debit/ATM card, including forged checks and counterfeit money.

Additionally, their back-up of sewer or drain coverage protects you against losses caused by backed-up sewers or drains, ensuring your home remains safe from unexpected water damage.

Best Renters Insurance in Roseville, California
Data filtered by:Results filtered by:
Coverage:
Coverage:$20K Personal Property
NationwideMoneyGeek Score88Annual Premium$ 124
AllstateMoneyGeek Score87Annual Premium$ 93
State FarmMoneyGeek Score87Annual Premium$ 121
TravelersMoneyGeek Score85Annual Premium$ 147
Capital Insurance GroupMoneyGeek Score82Annual Premium$ 80
FarmersMoneyGeek Score73Annual Premium$ 163
ChubbMoneyGeek Score61Annual Premium$ 264

Cheapest Renters Insurance in Roseville, CA

In Roseville, California, Capital Insurance Group offers the cheapest renters insurance with an annual premium of $80 for $20,000 in personal property coverage. MoneyGeek rates the cheapest renters insurance in Roseville with minimal consideration for customer service.

The following providers are the top two cheapest in Roseville for $20,000 in personal property coverage and a $1,000 deductible.

  • Capital Insurance Group: $80 per year
  • Allstate: $93 per year

Personal property coverage protects your belongings, such as furniture and electronics, against risks like theft or fire. Cheap renters insurance policies often have low personal property coverage limits. Opting for higher coverage limits can increase monthly costs but provides better protection if you own many personal belongings.

Cheapest Renters Insurance in Roseville, California
Data filtered by:Results filtered by:
Coverage:
Coverage:$20K Personal Property
AllstateMoneyGeek Score91Annual Premium$ 93
Capital Insurance GroupMoneyGeek Score89Annual Premium$ 80
State FarmMoneyGeek Score86Annual Premium$ 121
NationwideMoneyGeek Score86Annual Premium$ 124
TravelersMoneyGeek Score81Annual Premium$ 147
FarmersMoneyGeek Score71Annual Premium$ 163
ChubbMoneyGeek Score49Annual Premium$ 264

Cheapest Renters Insurance With a High Deductible Roseville, CA

In Roseville, 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 $63. The following providers are the top two cheapest providers in Roseville for $20,000 in personal property coverage and a $2,000 deductible:

  • Capital Insurance Group: $63 per year
  • Allstate: $93 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. It’s important to balance both to ensure you can afford the deductible if you need to file a claim. Choosing the right deductible can help you manage your insurance costs effectively.

Cheapest High Deductible Renters Insurance in Roseville, California
Data filtered by:Results filtered by:
Coverage:
Coverage:$20K Personal Property
Deductible:
Deductible:$ 2,000
Capital Insurance GroupMoneyGeek Score82Annual Premium$ 63
AllstateMoneyGeek Score84Annual Premium$ 93
NationwideMoneyGeek Score90Annual Premium$ 98
TravelersMoneyGeek Score87Annual Premium$ 119
State FarmMoneyGeek Score84Annual Premium$ 119
FarmersMoneyGeek Score70Annual Premium$ 159
ChubbMoneyGeek Score61Annual Premium$ 245
mglogo icon
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 Roseville, CA

Travelers is the best renters insurance company for service quality in Roseville, California, with an annual premium of $147. The following providers are the top two best in Roseville, 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 ($147 per year)
  • Nationwide: MoneyGeek score of 95 out of 100 ($124 per year)

Great customer service is important for renters looking for insurance because it ensures a smooth claims process. For example, when you make a claim, excellent customer service means you receive timely and helpful assistance, making the experience less stressful.

MoneyGeek scores renters insurance providers based on J.D. Power surveys, which measure customer satisfaction and service quality.
Company logo for Travelers
Best Service QualityTravelers
MoneyGeek Score:
96/ of 100

Overview

Travelers ranks first in customer satisfaction and coverages in Roseville, California, with an annual premium of $147.
Travelers offers contents replacement cost, which covers personal property losses based on replacement cost at the time of the loss, with no deduction for depreciation.

This benefits renters by ensuring they can replace lost items without financial loss.
Scheduled personal property coverage protects special items like jewelry and fine art against a variety of losses, allowing renters to add higher coverage limits without needing appraisals or item listings.

Best Renters Insurance For Service Quality in Roseville, California
Data filtered by:Results filtered by:
Coverage:
Coverage:$20K Personal Property
TravelersMoneyGeek Score96Annual Premium$ 147
NationwideMoneyGeek Score95Annual Premium$ 124
ChubbMoneyGeek Score93Annual Premium$ 264
State FarmMoneyGeek Score86Annual Premium$ 121
AllstateMoneyGeek Score77Annual Premium$ 93
FarmersMoneyGeek Score77Annual Premium$ 163
Capital Insurance GroupMoneyGeek Score61Annual Premium$ 80

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

Allstate is the best renters insurance company for those in Roseville, California, who need high personal property coverage, with an annual premium of $128 for a policy with $100,000 in coverage. High personal property coverage means insuring a large sum of personal items. For $100K in personal property coverage, the following providers are the top two best providers in Roseville:

  • Allstate: MoneyGeek score of 90 out of 100 ($128 per year)
  • State Farm: MoneyGeek score of 87 out of 100 ($276 per year)

Renters with a lot of belongings often need higher personal property coverage. This type of coverage protects your personal items against damage or theft. As coverage increases, so does the cost, making it important to find a provider offering a balance of cost and great service.

Company logo for Allstate
Best High Personal Property LimitAllstate
MoneyGeek Score:
90/ of 100

Overview

Allstate ranks first in affordability and customer satisfaction for expensive homes in Roseville, California, with an annual premium of $128.
Allstate offers scheduled personal property coverage, which protects specific, appraised valuables like engagement rings, antiques, musical instruments, and coin collections.

Additionally, its cyber event / ID theft coverage helps pay for legal fees, lost wages and other costs if someone steals your identity. These coverages provide comprehensive protection for renters with expensive homes.

Best Renters Insurance for High Personal Property Limits in Roseville, California
AllstateMoneyGeek Score90Annual Premium$ 128
State FarmMoneyGeek Score87Annual Premium$ 276
TravelersMoneyGeek Score86Annual Premium$ 364
NationwideMoneyGeek Score83Annual Premium$ 385
FarmersMoneyGeek Score76Annual Premium$ 389
Capital Insurance GroupMoneyGeek Score76Annual Premium$ 248
ChubbMoneyGeek Score61Annual Premium$ 816
mglogo icon
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 Roseville, CA

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

  • USAA: MoneyGeek score of 100 out of 100 ($83 per year)
  • Nationwide: MoneyGeek score of 88 out of 100 ($124 per year)

USAA offers a range of products tailored for those with a military background, providing discounts and coverages that suit the military lifestyle. USAA is ranked first in affordability in Roseville, making it the cheapest option for military members.

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 Roseville. With an average annual premium of $83, USAA provides affordability and comprehensive financial protection.

It offers contents replacement cost, which covers the cost of replacing belongings with brand-new ones in the event of theft or damage. It also has worldwide personal property coverage, providing peace of mind for military members at home or abroad.

Best Renters Insurance for Military in Roseville, California
Data filtered by:Results filtered by:
Coverage:
Coverage:$20K Personal Property
USAAMoneyGeek Score100Annual Premium$ 83
NationwideMoneyGeek Score88Annual Premium$ 124
AllstateMoneyGeek Score87Annual Premium$ 93
State FarmMoneyGeek Score87Annual Premium$ 121
TravelersMoneyGeek Score85Annual Premium$ 147
Capital Insurance GroupMoneyGeek Score82Annual Premium$ 80
FarmersMoneyGeek Score73Annual Premium$ 163
ChubbMoneyGeek Score61Annual Premium$ 264

Average Cost of Renters Insurance in Roseville, CA

The average cost of renters insurance in Roseville is $142 annually, or $12 monthly. This is $6 cheaper than the California average and $3 cheaper than the national average. 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, remember that the average cost of renters insurance in Roseville may vary greatly depending on the amount of personal property coverage you purchase. Personal property coverage protects your belongings, such as furniture, electronics, and clothing, 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.

shirt icon

clothing & accessories

Clothes, shoes, bags, belts, hats, gloves, etc.

$
$
$
$
$
$

Factors That Impact Renters Insurance Costs in Roseville

Various factors can influence the cost of renters insurance in Roseville, California. For example, living in a high-crime area can lead to higher premiums, while having a higher deductible can lower your costs. Understanding these factors is essential when shopping for a renters insurance policy, as it helps you make an informed decision tailored to your needs and budget. Below are some key factors that affect renters insurance costs:

  • Location: Living in high-crime areas can increase premiums due to the higher risk of theft or vandalism. Conversely, safer neighborhoods may have lower rates.
  • Coverage Amount: The more coverage you need, the higher your premium will be. This is because the insurer's risk increases with the amount of coverage.
  • Deductible: A higher deductible can lower your premium. However, this means you will pay more out-of-pocket in the event of a claim.
  • Credit Score: Insurers often use credit scores to assess risk. Poor credit can result in higher premiums, while good credit may lower your costs.
  • Claims History: A history of frequent claims can lead to higher premiums. Insurers view a history of claims as an indicator of higher risk.

What Renters Insurance Covers in Roseville, CA

Renters insurance primarily protects your personal belongings from damage, but it also covers personal liability and loss of use. Here's a breakdown of what renters insurance covers:

  • Personal Property Coverage: This protects your belongings from risks like fire or theft. For example, if a wildfire damages your apartment in California, this coverage helps replace your items.
  • 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 home, this coverage can help with medical bills and legal fees.
  • Loss Of Use Coverage: This helps with additional living expenses if your rental becomes uninhabitable. If an earthquake renders your California apartment unlivable, loss of use coverage can pay for temporary housing.
mglogo icon
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 Roseville

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 Roseville, CA

The best renters insurance provider for you in Roseville ultimately depends on your needs. Below are answers to frequently asked questions to help you make an informed decision.

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