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


Updated: September 13, 2024

Advertising & Editorial Disclosure

Nationwide is the best renters insurance company in San Bernardino, California, with a MoneyGeek score of 94 and an average annual premium of $116 for $20,000 in personal property coverage. Capital Insurance Group is the cheapest, with a MoneyGeek score of 89 and a yearly premium of $103.

The top provider balances customer service with affordability. Depending on your needs, other providers may be best. MoneyGeek also found the best and cheapest renters insurance in California for those who live elsewhere in the state.

MoneyGeek Logo IconBest & CheapestRentersSan Bernardino
2024

Table of Contents

Why Trust MoneyGeek? We sourced information from the California Department of Insurance and Quadrant Information Services to identify top renters insurance options in San Bernardino.

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

768Quotes Analyzed
 
8Providers Analyzed
 
2ZIP Codes

Overall Best Renters Insurance in San Bernardino, CA

The best renters insurance providers in San Bernardino for a policy with $20,000 in personal property coverage are:

  • Nationwide: MoneyGeek score of 94 out of 100 ($116 per year)
  • Travelers: MoneyGeek score of 86 out of 100 ($154 per year)

Nationwide balances cost and service quality, earning an affordability score of 52 out of 55 and a customer satisfaction score of 28 out of 30.

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

Overview

Nationwide ranks first in San Bernardino for coverages, with an average annual premium of $116. It offers credit card forgery coverage, which financially protects against unauthorized transactions on credit and debit cards, forged checks and counterfeit money. Nationwide’s theft from vehicles coverage provides extra protection for your valuables stored in or on any motor vehicle, trailer or watercraft.

Best Renters Insurance in San Bernardino, CA
Data filtered by:Results filtered by:
Coverage:
Coverage:$20K Personal Property
NationwideMoneyGeek Score94Annual Premium$ 116
TravelersMoneyGeek Score86Annual Premium$ 154
State FarmMoneyGeek Score85Annual Premium$ 144
Capital Insurance GroupMoneyGeek Score82Annual Premium$ 103
AllstateMoneyGeek Score82Annual Premium$ 139
FarmersMoneyGeek Score73Annual Premium$ 176
ChubbMoneyGeek Score61Annual Premium$ 260

Cheapest Renters Insurance in San Bernardino, CA

In San Bernardino, Capital Insurance Group offers the cheapest renters insurance at $103 annually for $20,000 in personal property coverage.

  • Capital Insurance Group: $103 per year
  • Nationwide: $116 per year

Personal property coverage helps replace or repair your belongings if damaged, lost or stolen. Cheap renters insurance policies often have lower personal property coverage limits. Higher coverage limits can lead to higher monthly costs but offer better protection if you have many personal belongings.

Cheapest Renters Insurance in San Bernardino, CA
Data filtered by:Results filtered by:
Coverage:
Coverage:$20K Personal Property
NationwideMoneyGeek Score93Annual Premium$ 116
Capital Insurance GroupMoneyGeek Score89Annual Premium$ 103
State FarmMoneyGeek Score84Annual Premium$ 144
TravelersMoneyGeek Score83Annual Premium$ 154
AllstateMoneyGeek Score83Annual Premium$ 139
FarmersMoneyGeek Score70Annual Premium$ 176
ChubbMoneyGeek Score49Annual Premium$ 260

Cheapest Renters Insurance With a High Deductible in San Bernardino, CA

Capital Insurance Group offers San Bernardino's cheapest renters insurance for a policy with $20,000 in personal property coverage and a $2,000 deductible. Here are the top options for higher deductible policies:

  • Capital Insurance Group: $80 per year
  • Nationwide: $91 per year

A deductible is the amount you pay out of pocket before your insurance covers the rest. Higher deductibles usually mean lower premiums, while lower deductibles result in higher premiums. Balancing these factors ensures adequate coverage when filing a claim. Renters should consider their financial situation and potential risks when selecting a deductible.

Cheapest High Deductible Renters Insurance in San Bernardino, CA
Data filtered by:Results filtered by:
Coverage:
Coverage:$20K Personal Property
Deductible:
Deductible:$ 2,000
Capital Insurance GroupMoneyGeek Score82Annual Premium$ 80
NationwideMoneyGeek Score94Annual Premium$ 91
TravelersMoneyGeek Score88Annual Premium$ 124
AllstateMoneyGeek Score77Annual Premium$ 139
State FarmMoneyGeek Score81Annual Premium$ 142
FarmersMoneyGeek Score69Annual Premium$ 173
ChubbMoneyGeek Score61Annual Premium$ 240
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HOW TO SET YOUR DEDUCTIBLE

If you file a claim, choose a deductible amount that you can comfortably pay out of pocket. Opting for a higher deductible can lower your premium, leading to overall cost savings while maintaining adequate coverage.

Best Renters Insurance for Customer Service in San Bernardino, CA

Travelers offers the best renters insurance for service quality in San Bernardino, with an average annual premium of $154 for $20,000 in personal property coverage.

  • Travelers: MoneyGeek score of 96 out of 100 ($154 per year)
  • Nationwide: MoneyGeek score of 95 out of 100 ($116 per year)

Great customer service is crucial for renters seeking insurance because it ensures a smooth and supportive experience, particularly during claims. Efficient service means your case is handled quickly and effectively, reducing stress and helping you recover faster. MoneyGeek evaluates renters insurance providers based on factors like customer satisfaction from J.D. Power surveys, which assess service quality in the context of renters insurance.

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

Overview

Travelers ranks first in San Bernardino for customer satisfaction and coverages, with an average annual premium of $154.

Travelers' contents replacement cost add-on covers personal property losses at full replacement value without deducting for depreciation. Its scheduled personal property coverage offers higher coverage limits for special items like jewelry and fine art musical instruments and computers without requiring appraisals or item listings.

Best Renters Insurance For Service Quality in San Bernardino, CA
Data filtered by:Results filtered by:
Coverage:
Coverage:$20K Personal Property
TravelersMoneyGeek Score96Annual Premium$ 154
NationwideMoneyGeek Score95Annual Premium$ 116
ChubbMoneyGeek Score93Annual Premium$ 260
State FarmMoneyGeek Score86Annual Premium$ 144
AllstateMoneyGeek Score77Annual Premium$ 139
FarmersMoneyGeek Score77Annual Premium$ 176
Capital Insurance GroupMoneyGeek Score61Annual Premium$ 103

Best Renters Insurance for High Personal Property Limits in San Bernardino, CA

For $100,000 in personal property coverage, the top renters insurance providers in San Bernardino are:

  • Nationwide: MoneyGeek score of 94 out of 100 ($354 per year)
  • Travelers: MoneyGeek score of 93 out of 100 ($389 per year)

Renters with many belongings need higher personal property coverage to financially protect items like furniture, electronics and clothing from theft, damage or loss. Higher coverage can increase premiums, so find a provider that balances cost with excellent service. High-value items like jewelry or art may need additional coverage beyond standard policies.

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

Overview

Nationwide is the top choice for insuring expensive homes in San Bernardino, leading in affordability and high customer satisfaction, with an annual premium of $354. It offers credit card forgery coverage, which protects against unauthorized transactions on credit cards and bank debit/ATM cards. Nationwide's contents replacement cost coverage ensures you receive the full replacement value for covered items, helping you recover from losses more easily.

Best Renters Insurance for High Personal Property Limits in San Bernardino, CA
NationwideMoneyGeek Score94Annual Premium$ 354
TravelersMoneyGeek Score93Annual Premium$ 389
State FarmMoneyGeek Score90Annual Premium$ 385
Capital Insurance GroupMoneyGeek Score82Annual Premium$ 316
AllstateMoneyGeek Score81Annual Premium$ 434
FarmersMoneyGeek Score78Annual Premium$ 466
ChubbMoneyGeek Score61Annual Premium$ 796
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SCHEDULED PERSONAL PROPERTY COVERAGE

You may need extra coverage if you have valuables like jewelry or art since standard policies often don't cover them. Choose a provider that offers scheduled personal property coverage to protect these items.

Best Renters Insurance for Military Families in San Bernardino, CA

For renters with military backgrounds in San Bernardino, the top providers for a policy with $20,000 in personal property coverage are:

  • USAA: MoneyGeek score of 100 out of 100 ($251 per year)
  • Nationwide: MoneyGeek score of 94 out of 100 ($116 per year)

USAA offers a range of products tailored to active military members, veterans and their families. Although other insurers have lower premiums, USAA's specialized offerings often make it a better overall choice for service members.

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

Overview

USAA is San Bernardino's top insurance provider for renters with a military background, charging an average annual premium of $251. It excels in customer satisfaction and coverages.

Its contents replacement cost coverage ensures you can replace stolen or damaged items, like a TV or computer, with new ones at their current retail prices. The worldwide personal property coverage financially protects your belongings while deployed abroad.

Best Renters Insurance for Military in San Bernardino, CA
Data filtered by:Results filtered by:
Coverage:
Coverage:$20K Personal Property
USAAMoneyGeek Score100Annual Premium$ 251
NationwideMoneyGeek Score94Annual Premium$ 116
TravelersMoneyGeek Score86Annual Premium$ 154
State FarmMoneyGeek Score85Annual Premium$ 144
Capital Insurance GroupMoneyGeek Score82Annual Premium$ 103
AllstateMoneyGeek Score82Annual Premium$ 139
FarmersMoneyGeek Score73Annual Premium$ 176
ChubbMoneyGeek Score61Annual Premium$ 260

Average Cost of Renters Insurance in San Bernardino, CA

The average cost of renters insurance in San Bernardino is $156 annually ($13 per month). This is higher than California's average of $148 and the national average of $145. These rates are based on a renters insurance policy with $20,000 in personal property limit, $100,000 in liability limit and a $1,000 deductible.

Renters insurance costs can vary depending on the amount of personal property coverage you choose. Consider using a personal property coverage calculator to estimate your needs and find a suitable policy.

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 San Bernardino

The cost of renters insurance in San Bernardino depends on several factors. Understanding them can help you find a policy that fits your budget and needs.

  • Location: Crime rates and weather risks in your area can affect your premium.
  • Coverage amount: Higher coverage limits increase your insurance costs.
  • Deductible: A higher deductible lowers your monthly premium but means higher out-of-pocket costs in a claim.
  • Claims history: A history of claims may lead to higher premiums due to increased perceived risk.
  • Credit score: A better credit record can result in lower premiums.

What Renters Insurance Covers in San Bernardino, CA

Renters insurance covers personal property, liability and additional living expenses. It protects financially against theft, fire and other unforeseen events. Liability coverage helps in case of lawsuits for injuries or property damage.

Here's what renters insurance covers:

  • Personal property coverage: Protects your belongings against fire, theft or vandalism. For example, if a wildfire damages your apartment in California, your furniture and electronics would be covered.
  • Personal liability coverage: Covers expenses if someone is injured in your rental unit. For example, if a guest slips and falls in your California apartment, this coverage can help with medical and legal costs.
  • Loss of use coverage: Covers additional living expenses if your rental becomes uninhabitable due to a covered event. For example, if an earthquake makes your California apartment unsafe, loss of use coverage would pay for temporary housing.
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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 San Bernardino

While renters insurance provides a financial safety net, it doesn't cover every situation:

  • Natural disasters: Standard policies typically exclude damage from floods.
  • Roommate's belongings: Personal property coverage usually doesn't extend to a roommate's possessions unless they're listed on the policy.
  • High-value items: Expensive items like jewelry or electronics may require additional coverage if their value exceeds the policy limit.
  • Business equipment: Property used for business purposes is generally not covered under standard renters insurance.
  • Pest damage: Damage from pests like bed bugs or rodents is usually not covered.
  • Car theft: While personal property stolen from your car may be covered, the theft of the vehicle itself is not.

FAQ: Renters Insurance in San Bernardino, CA

Selecting the best renters insurance provider in San Bernardino depends on your needs. We address frequently asked questions to help you make an informed decision.

How much is renters insurance in San Bernardino, California, on average?
What is the cheapest renters insurance company in San Bernardino, CA?
What is the best renters insurance company in San Bernardino, CA?
Do I need renters insurance in San Bernardino, CA?

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.