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


Updated: September 10, 2024

State Farm is the best renters insurance company in Visalia, California, with a MoneyGeek score of 86 and an average annual premium of $121. Capital Insurance Group is the cheapest renters insurance provider in Visalia, California, with a MoneyGeek score of 89 and an average annual premium of $77. The best and cheapest quotes are based on $20,000 in personal property coverage.

The best renters insurance provider should offer a balance of customer service with affordability. Depending on your needs, other providers may be best. MoneyGeek also looked into the best and cheapest renters insurance in California for those who live elsewhere in the state.

MoneyGeek Logo IconBest & CheapestRentersVisalia, CA
2024

Table of Contents

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

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

768Quotes Analyzed
 
8Providers Analyzed
 
2ZIP Codes

Overall Best Renters Insurance in Visalia, CA

State Farm is the best renters insurance provider in Visalia, California, with a MoneyGeek score of 86 out of 100 and an average annual premium of $121. These are the top two best renters insurance providers in Visalia for a policy with $20,000 in personal property coverage, $100,000 in personal liability and a $1,000 deductible:

  • State Farm: MoneyGeek score of 86 out of 100 ($121 per year)
  • Travelers: MoneyGeek score of 84 out of 100 ($146 per year)

State Farm has perfectly balanced customer satisfaction and affordability, with an affordability score of 46 out of 55.

Company logo for State Farm
Best OverallState Farm
MoneyGeek Score:
86/ of 100

Overview

State Farm ranks first in financial stability in Visalia, with an average annual premium of $121. The company offers cyber event/ID theft and earthquake coverages. Cyber event/ID theft coverage helps renters restore their identity if it’s stolen. Earthquake coverage protects renters from financial loss due to earthquake damage, ensuring their property is safeguarded.

Best Renters Insurance in Visalia, CA
Data filtered by:Results filtered by:
Coverage:
Coverage:$20K Personal Property
State FarmMoneyGeek Score86Annual Premium$ 121
TravelersMoneyGeek Score84Annual Premium$ 146
AllstateMoneyGeek Score84Annual Premium$ 107
NationwideMoneyGeek Score83Annual Premium$ 147
Capital Insurance GroupMoneyGeek Score82Annual Premium$ 77
FarmersMoneyGeek Score73Annual Premium$ 159
ChubbMoneyGeek Score61Annual Premium$ 260

Cheapest Renters Insurance in Visalia, CA

In Visalia, California, Capital Insurance Group offers the cheapest renters insurance, with an average annual premium of $77 for $20,000 in personal property coverage. The following providers are the top two cheapest in Visalia for $20,000 in personal property coverage and a $1,000 deductible. MoneyGeek rated the cheapest renters insurance with minimal consideration for customer service.

  • Capital Insurance Group: $77 per year
  • Allstate: $107 per year

Personal property coverage helps protect your belongings in case of theft, fire or other covered events. Cheap renters insurance policies often have low personal property coverage limits. Higher personal property coverage limits can lead to higher monthly costs, but they provide better protection if you have many personal belongings.

Cheapest Renters Insurance in Visalia, CA
Data filtered by:Results filtered by:
Coverage:
Coverage:$20K Personal Property
Capital Insurance GroupMoneyGeek Score89Annual Premium$ 77
AllstateMoneyGeek Score86Annual Premium$ 107
State FarmMoneyGeek Score86Annual Premium$ 121
TravelersMoneyGeek Score80Annual Premium$ 146
NationwideMoneyGeek Score79Annual Premium$ 147
FarmersMoneyGeek Score71Annual Premium$ 159
ChubbMoneyGeek Score49Annual Premium$ 260

Cheapest Renters Insurance With a High Deductible in Visalia, CA

In Visalia, 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 $60. The following providers are the top two cheapest in Visalia for $20,000 in personal property coverage and a $2,000 deductible:

  • Capital Insurance Group: $60 per year
  • Allstate: $107 per year

A deductible is the amount you pay out of pocket before your insurance coverage kicks in, 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; a higher deductible can save you money on premiums but will cost more if you need to file a claim.

Cheapest High Deductible Renters Insurance in Visalia, CA
Data filtered by:Results filtered by:
Coverage:
Coverage:$20K Personal Property
Deductible:
Deductible:$ 2,000
Capital Insurance GroupMoneyGeek Score82Annual Premium$ 60
AllstateMoneyGeek Score81Annual Premium$ 107
NationwideMoneyGeek Score85Annual Premium$ 116
TravelersMoneyGeek Score86Annual Premium$ 118
State FarmMoneyGeek Score83Annual Premium$ 119
FarmersMoneyGeek Score70Annual Premium$ 156
ChubbMoneyGeek Score61Annual Premium$ 240
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HOW TO SET YOUR DEDUCTIBLE

Ensure that your chosen deductible is an amount you can easily afford to pay out of pocket if you need to make a claim. Opting for a higher deductible can reduce your annual premium, resulting in overall cost savings while offering adequate coverage.

Best Renters Insurance for Customer Service in Visalia, CA

In Visalia, California, Travelers is the best renters insurance company for service quality, with an average annual premium of $146. The following providers are the top two best options for a policy with $20,000 in personal property coverage, focusing on great customer service without considering affordability:

  • Travelers: MoneyGeek score of 96 out of 100 ($146 per year)
  • Nationwide: MoneyGeek score of 95 out of 100 ($147 per year)

Excellent customer service is important for renters because it ensures a smooth experience when filing a claim, making the process less stressful and more efficient. MoneyGeek scores renters insurance providers based on customer satisfaction surveys from J.D. Power, which evaluate service quality and overall satisfaction.

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

Overview

Travelers ranks first in customer satisfaction, coverage and financial stability in Visalia, California, with an average annual premium of $146. It offers contents replacement cost and valuable items insurance coverages. Contents replacement cost settles covered personal property losses based on replacement cost with no depreciation, ensuring you get the full value of your items. Valuable items insurance protects high-value items like jewelry and fine art without requiring appraisals.

Best Renters Insurance for Service Quality in Visalia, CA
Data filtered by:Results filtered by:
Coverage:
Coverage:$20K Personal Property
TravelersMoneyGeek Score96Annual Premium$ 146
NationwideMoneyGeek Score95Annual Premium$ 147
ChubbMoneyGeek Score93Annual Premium$ 260
State FarmMoneyGeek Score86Annual Premium$ 121
AllstateMoneyGeek Score77Annual Premium$ 107
FarmersMoneyGeek Score77Annual Premium$ 159
Capital Insurance GroupMoneyGeek Score61Annual Premium$ 77

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

State Farm stands out for renters in Visalia, California, needing substantial personal property coverage. It has an average annual premium of $284 for a policy with $100,000 in personal property coverage. The top two best providers in Visalia for $100K in personal property coverage are:

  • State Farm: MoneyGeek score of 92 out of 100 ($284 per year)
  • Travelers: MoneyGeek score of 91 out of 100 ($348 per year)

Renters with a large collection of belongings typically need higher personal property coverage, which is insurance for items like clothes, electronics and furniture. More coverage usually means higher costs, so it's important to find a provider who offers a good balance of affordability and excellent service. Remember that high-value items such as jewelry or art might not be fully covered under a standard policy and may require additional coverage.

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

Overview

State Farm is the best and cheapest option for Visalia renters needing a high amount of personal property coverage. It offers a balance of affordability and customer satisfaction, with an average annual premium of $210. State Farm provides identity restoration insurance — including cyber event, identity restoration and fraud loss coverage — safeguarding renters against online threats.

Best Renters Insurance for High Personal Property Limits in Visalia, CA
State FarmMoneyGeek Score92Annual Premium$ 284
TravelersMoneyGeek Score91Annual Premium$ 348
AllstateMoneyGeek Score84Annual Premium$ 327
Capital Insurance GroupMoneyGeek Score82Annual Premium$ 237
NationwideMoneyGeek Score82Annual Premium$ 464
FarmersMoneyGeek Score81Annual Premium$ 368
ChubbMoneyGeek Score61Annual Premium$ 796
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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 Visalia, CA

In Visalia, USAA is the top-ranked renters insurance company for those with military backgrounds, with an average annual premium of $84. These are the top two best providers for military members in Visalia for a policy with $20,000 in personal property coverage:

  • USAA: MoneyGeek score of 100 out of 100 ($84 per year)
  • State Farm: MoneyGeek score of 86 out of 100 ($121 per year)

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

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 Visalia. With an average annual premium of $92, 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 security for the belongings of military members at home or abroad.

Best Renters Insurance for Military in Visalia, CA
Data filtered by:Results filtered by:
Coverage:
Coverage:$20K Personal Property
USAAMoneyGeek Score100Annual Premium$ 84
State FarmMoneyGeek Score86Annual Premium$ 121
TravelersMoneyGeek Score84Annual Premium$ 146
AllstateMoneyGeek Score84Annual Premium$ 107
NationwideMoneyGeek Score83Annual Premium$ 147
Capital Insurance GroupMoneyGeek Score82Annual Premium$ 77
FarmersMoneyGeek Score73Annual Premium$ 159
ChubbMoneyGeek Score61Annual Premium$ 260

Average Cost of Renters Insurance in Visalia, CA

The average cost of renters insurance in Visalia, California, is $145 annually or $12 per month. This rate is slightly cheaper than the California state average of $148 annually and aligns closely with the national average of $145 annually. 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 Visalia 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 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 Visalia

Various factors influence the cost of renters insurance in Visalia, California. For example, the neighborhood's crime rate and the risk of natural disasters can significantly impact premiums. Additionally, the amount of coverage you choose will affect your overall cost. Understanding these factors is essential when shopping for renters insurance, as it helps you find a policy that fits your budget and coverage needs. Below are some key factors that can affect renters insurance costs:

  • Location: Premiums can vary based on the neighborhood's crime rate and risk of natural disasters. Areas with higher crime rates or frequent natural disasters often have higher premiums.
  • Coverage Amount: Higher coverage limits generally lead to higher premiums. More coverage means the insurer has more risk, which increases the cost.
  • Deductible: A higher deductible can lower the premium but increases out-of-pocket costs in the event of a claim. Choosing a higher deductible can be a way to save on monthly costs.
  • Credit Score: Insurers often use credit scores to determine risk levels, which affects premium costs. A higher credit score can result in lower premiums.
  • Claims History: A history of frequent claims can result in higher premiums. Insurers may view frequent claims as a higher risk, leading to increased costs.

What Renters Insurance Covers in Visalia, CA

Renters insurance provides coverage for personal property, liability and additional living expenses. It protects your belongings against theft, fire and certain natural disasters. Purchasing renters insurance safeguards your belongings and offers financial security. Here’s a breakdown of what renters insurance covers:

  • Personal Property Coverage: This coverage protects your personal items from damage or theft. For example, if a fire damages your apartment in California, this coverage helps replace your belongings.
  • Personal Liability Coverage: This covers legal expenses if you’re responsible for injuries or property damage. If a guest slips and falls in your California rental, this coverage helps with medical bills and legal fees.
  • Loss of Use Coverage: This coverage provides funds for temporary housing if your rental becomes uninhabitable due to a covered event. For instance, if an earthquake renders your California apartment unlivable, loss of use coverage helps pay for hotel stays.
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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 Visalia

Renters insurance in Visalia does not cover everything. For instance, it typically excludes high-value items beyond a certain limit and damages from natural disasters. Here's a closer look at what renters insurance doesn’t cover:

  • High-Value Items: Coverage for expensive items like jewelry or electronics is limited.
  • Natural Disasters: Damages from events like floods or earthquakes are not included.
  • Pest Infestations: Issues caused by pests such as bedbugs or rodents are excluded.
  • Roommate Belongings: Your policy does not cover items owned by your roommates.
  • Vehicle Theft or Damage: Personal vehicles are not covered under renters insurance.
  • Business Equipment: Equipment used for business is not typically covered.

FAQ: Renters Insurance in Visalia, CA

The best renters insurance provider in Visalia, 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 Visalia, California, on average?
What is the cheapest renters insurance company in Visalia, California?
What is the best renters insurance company in Visalia, California?
Do I need renters insurance in Visalia, 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.