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


Updated: September 12, 2024

The best renters insurance company in Santa Rosa, California is Allstate with a MoneyGeek score of 84 and an annual premium of $93. The cheapest renters insurance provider in Santa Rosa, California is Capital Insurance Group with a MoneyGeek score of 89 and an annual premium of $60.

The best homeowners insurance provider should offer a balance of customer service with affordability. Depending on your needs, other providers like Travelers, which excels in service quality with an annual premium of $142, may be more suitable. 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 & CheapestRentersSanta Rosa, CA
2024

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

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

768Quotes Analyzed
 
8Providers Analyzed
 
2ZIP Codes

Overall Best Renters Insurance in Santa Rosa, CA

The best renters insurance in Santa Rosa, California, is Allstate with a MoneyGeek score of 84 out of 100 and an annual premium of $93. The following providers are the two best renters insurance providers in Santa Rosa for a policy with $20,000 in personal property coverage, $100,000 in personal liability, and a $1,000 deductible.

  • Allstate: MoneyGeek score of 84 out of 100 ($93 per year)
  • State Farm: MoneyGeek score of 84 out of 100 ($121 per year)

Allstate perfectly balances customer satisfaction and affordability with an affordability score of 49 out of 55.

Company logo for Allstate
Best OverallAllstate
MoneyGeek Score:
84/ of 100

Overview

Allstate ranks first in Customer Satisfaction in California, with an annual premium of $93 in Santa Rosa. Allstate offers cyber event/ID theft coverage, which helps pay for legal fees, lost wages and other costs if someone steals your identity. Additionally, scheduled personal property coverage protects specific valuables like engagement rings, antiques and musical instruments.

Best Renters Insurance in Santa Rosa, CA
Data filtered by:Results filtered by:
Coverage:
Coverage:$20K Personal Property
AllstateMoneyGeek Score84Annual Premium$ 93
State FarmMoneyGeek Score84Annual Premium$ 121
NationwideMoneyGeek Score84Annual Premium$ 132
TravelersMoneyGeek Score83Annual Premium$ 142
Capital Insurance GroupMoneyGeek Score82Annual Premium$ 60
FarmersMoneyGeek Score72Annual Premium$ 159
ChubbMoneyGeek Score61Annual Premium$ 260

Cheapest Renters Insurance in Santa Rosa, CA

In Santa Rosa, California, Capital Insurance Group offers the cheapest renters insurance with an annual premium of $60 for $20,000 in personal property coverage. The two cheapest options, as rated by MoneyGeek with minimal consideration for customer service, are:

  • Capital Insurance Group: $60 per year
  • Allstate: $93 per year

Personal property coverage helps protect your belongings from theft, fire, and other covered perils. Cheap renters insurance policies often have low personal property coverage limits. While higher coverage limits can lead to higher monthly costs, they offer better protection if you have many personal belongings.

Cheapest Renters Insurance in Santa Rosa, CA
Data filtered by:Results filtered by:
Coverage:
Coverage:$20K Personal Property
Capital Insurance GroupMoneyGeek Score89Annual Premium$ 60
AllstateMoneyGeek Score86Annual Premium$ 93
State FarmMoneyGeek Score82Annual Premium$ 121
NationwideMoneyGeek Score80Annual Premium$ 132
TravelersMoneyGeek Score79Annual Premium$ 142
FarmersMoneyGeek Score68Annual Premium$ 159
ChubbMoneyGeek Score49Annual Premium$ 260

Cheapest Renters Insurance With a High Deductible Santa Rosa, CA

In Santa Rosa, 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 $47. The two cheapest providers are:

  • Capital Insurance Group: $47 per year
  • Allstate: $93 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 be prepared if you need to file a claim.

Cheapest High Deductible Renters Insurance in Santa Rosa, CA
Data filtered by:Results filtered by:
Coverage:
Coverage:$20K Personal Property
Deductible:
Deductible:$ 2,000
Capital Insurance GroupMoneyGeek Score82Annual Premium$ 47
AllstateMoneyGeek Score81Annual Premium$ 93
NationwideMoneyGeek Score86Annual Premium$ 104
TravelersMoneyGeek Score85Annual Premium$ 115
State FarmMoneyGeek Score81Annual Premium$ 119
FarmersMoneyGeek Score69Annual Premium$ 156
ChubbMoneyGeek Score61Annual Premium$ 240
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HOW TO SET YOUR DEDUCTIBLE

Selecting a deductible that you can comfortably pay out-of-pocket is essential in case you need to file a claim. Opting for a higher deductible can reduce your premium, resulting in overall cost savings while still providing adequate coverage.

Best Renters Insurance for Customer Service in Santa Rosa, CA

Travelers is the best renters insurance company for service quality in Santa Rosa, California, with an annual premium of $142. The following providers are the two best providers in Santa Rosa, 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 ($142 per year)
  • Nationwide: MoneyGeek score of 95 out of 100 ($132 per year)

MoneyGeek scores renters insurance providers based on J.D. Power surveys, which evaluate customer satisfaction and service quality. Great customer service is important for renters looking for insurance because it ensures smooth and efficient handling of claims. When you make a claim, excellent customer service can make the process less stressful and more manageable.

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

Overview

Travelers ranks first in customer satisfaction and coverage in Santa Rosa, California, with an annual premium of $142. Travelers offers contents replacement cost and scheduled personal property coverages. Contents replacement cost covers personal property losses based on replacement cost at the time of loss, with no depreciation deduction. Scheduled personal property protects high-value items like jewelry and fine art against a wide range of losses, ensuring comprehensive coverage for renters.

Best Renters Insurance for Service Quality in Santa Rosa, CA
Data filtered by:Results filtered by:
Coverage:
Coverage:$20K Personal Property
TravelersMoneyGeek Score96Annual Premium$ 142
NationwideMoneyGeek Score95Annual Premium$ 132
ChubbMoneyGeek Score93Annual Premium$ 260
State FarmMoneyGeek Score86Annual Premium$ 121
AllstateMoneyGeek Score77Annual Premium$ 93
FarmersMoneyGeek Score77Annual Premium$ 159
Capital Insurance GroupMoneyGeek Score61Annual Premium$ 60

Best Renters Insurance for High Personal Property Limits in Santa Rosa, CA

State Farm offers the best renters insurance for Santa Rosa, California residents needing high personal property coverage, with an annual premium of $218 for a policy with $100,000 in personal property coverage. The two best providers in Santa Rosa are:

  • State Farm: MoneyGeek score of 93 out of 100 ($218 per year)
  • Travelers: MoneyGeek score of 89 out of 100 ($339 per year)

High personal property coverage ensures that renters have sufficient protection for their belongings, which can include furniture, electronics, clothing and more. Those with an extensive collection of personal belongings often require higher personal property coverage. This coverage is designed to protect the renter's possessions against risks like theft, fire or water damage.

Higher coverage levels typically result in higher premiums, so find a provider who offers a balance of cost and excellent service. High-value items such as jewelry or art might exceed standard policy limits and may necessitate additional coverage.

Company logo for State Farm
Best High Personal Property LimitState Farm
MoneyGeek Score:
93/ of 100

Overview

State Farm ranks highest in Santa Rosa for those with expensive homes, offering an annual premium of $218. The company excels in affordability and customer satisfaction, making it a top choice for renters.

State Farm provides valuable coverages like cyber event/ID theft and earthquake damage. The cyber event/ID theft coverage helps renters restore their identity in case of cyber fraud, while earthquake damage coverage protects against costly repairs due to seismic activity. These coverages offer peace of mind for renters with high-value homes.

Best Renters Insurance for High Personal Property Limits in Santa Rosa, CA
State FarmMoneyGeek Score93Annual Premium$ 218
TravelersMoneyGeek Score89Annual Premium$ 339
AllstateMoneyGeek Score84Annual Premium$ 284
NationwideMoneyGeek Score83Annual Premium$ 413
Capital Insurance GroupMoneyGeek Score82Annual Premium$ 184
FarmersMoneyGeek Score81Annual Premium$ 326
ChubbMoneyGeek Score61Annual Premium$ 795
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SCHEDULED PERSONAL PROPERTY COVERAGE

If you own valuables such as fine jewelry or art, you would need additional coverage because 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 Santa Rosa, CA

In Santa Rosa, USAA ranks first in renters insurance for those with military backgrounds. USAA is exclusively available for military members and offers a policy with $20,000 in personal property coverage. The following providers are the two best providers in Santa Rosa for military members:

  • USAA: MoneyGeek score of 100 out of 100 ($205 per year)
  • Allstate: MoneyGeek score of 84 out of 100 ($93 per year)

USAA offers a range of products tailored for those with a military background, including 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 Santa Rosa, leading in customer satisfaction and coverage. It has an annual premium of $205.

Replacement cost coverage ensures that in the event of theft or damage, policyholders can receive enough to purchase new items. Additionally, worldwide personal property coverage offers peace of mind for military members abroad, protecting their belongings wherever they are stationed.

Best Renters Insurance for Military in Santa Rosa, CA
Data filtered by:Results filtered by:
Coverage:
Coverage:$20K Personal Property
USAAMoneyGeek Score100Annual Premium$ 205
AllstateMoneyGeek Score84Annual Premium$ 93
State FarmMoneyGeek Score84Annual Premium$ 121
NationwideMoneyGeek Score84Annual Premium$ 132
TravelersMoneyGeek Score83Annual Premium$ 142
Capital Insurance GroupMoneyGeek Score82Annual Premium$ 60
FarmersMoneyGeek Score72Annual Premium$ 159
ChubbMoneyGeek Score61Annual Premium$ 260

Average Cost of Renters Insurance in Santa Rosa, CA

The average cost of renters insurance in Santa Rosa, California is $138 annually or $12 monthly, which is lower than the average cost of renters insurance in California at $148 per year. This makes Santa Rosa's average cost $10 cheaper annually than the state average and $7 cheaper than 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.

The average cost of renters insurance in Santa Rosa 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 Santa Rosa

The cost of renters insurance in Santa Rosa, 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 Santa Rosa, 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 Santa Rosa

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 Santa Rosa, CA

The best renters insurance provider for you in Santa Rosa ultimately depends on your needs. Below are some common questions to help you make an informed decision.

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