Best and Cheapest Renters Insurance in Vista, CA (June 2024)


Updated: September 10, 2024

Nationwide is the best renters insurance company in Vista, California, with a MoneyGeek score of 93 and an average annual premium of $103. Capital Insurance Group is the cheapest provider, with a MoneyGeek score of 89 and an average annual premium of $83. The best and cheapest quotes are based on $20,000 in personal property coverage.

The best homeowners 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 & CheapestRentersVista, CA
2024

Table of Contents

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

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

768Quotes Analyzed
 
8Providers Analyzed
 
2ZIP Codes

Overall Best Renters Insurance in Vista, CA

Nationwide provides the best renters insurance in Vista, California, with a MoneyGeek score of 93 out of 100 and an average annual premium of $103. These are the top two best renters insurance providers in Vista for a policy with $20,000 in personal property coverage, $100,000 in personal liability and a $1,000 deductible.

  • Nationwide: MoneyGeek score of 93 out of 100 ($103 per year)
  • State Farm: MoneyGeek score of 88 out of 100 ($121 per year)

Nationwide has perfectly balanced customer satisfaction and affordability, with an affordability score of 51 out of 55.

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

Overview

Nationwide ranks first in coverage in Vista, California, with an average annual premium of $103. It offers credit card forgery and theft from vehicles coverages. Credit card forgery coverage protects you against unauthorized transactions on your credit cards and bank debit/ATM cards, as well as forged checks and counterfeit money. Theft from vehicles coverage extends protection to your personal belongings stored in or on any motor vehicle, trailer or watercraft, ensuring your items are safeguarded even when you're on the go.

Best Renters Insurance in Vista, CA
Data filtered by:Results filtered by:
Coverage:
Coverage:$20K Personal Property
NationwideMoneyGeek Score93Annual Premium$ 103
State FarmMoneyGeek Score88Annual Premium$ 121
TravelersMoneyGeek Score87Annual Premium$ 140
AllstateMoneyGeek Score86Annual Premium$ 105
Capital Insurance GroupMoneyGeek Score82Annual Premium$ 83
FarmersMoneyGeek Score74Annual Premium$ 165
ChubbMoneyGeek Score61Annual Premium$ 277

Cheapest Renters Insurance in Vista, CA

In Vista, California, Capital Insurance Group offers the cheapest renters insurance, with an average annual premium of $83 for $20,000 in personal property coverage. The following providers are the top two cheapest in Vista for $20,000 in personal property coverage and a $1,000 deductible, with MoneyGeek's rating having minimal consideration for customer service.

  • Capital Insurance Group: $83 per year
  • Nationwide: $103 per year

Personal property coverage protects your belongings, such as furniture, electronics and clothing, against risks like theft or damage. Cheap renters insurance policies often have low personal property coverage limits. While higher personal property coverage limits can lead to higher monthly costs, they offer better protection if you have many personal belongings.

Cheapest Renters Insurance in Vista, CA
Data filtered by:Results filtered by:
Coverage:
Coverage:$20K Personal Property
NationwideMoneyGeek Score92Annual Premium$ 103
Capital Insurance GroupMoneyGeek Score89Annual Premium$ 83
AllstateMoneyGeek Score88Annual Premium$ 105
State FarmMoneyGeek Score88Annual Premium$ 121
TravelersMoneyGeek Score84Annual Premium$ 140
FarmersMoneyGeek Score72Annual Premium$ 165
ChubbMoneyGeek Score49Annual Premium$ 277

Cheapest Renters Insurance With a High Deductible in Vista, CA

In Vista, 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 $65. The following providers are the top two cheapest in Vista for $20,000 in personal property coverage and a $2,000 deductible:

  • Capital Insurance Group: $65 per year
  • Nationwide: $81 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 and understand what it means if you need to file a claim. Choosing a higher deductible can save you money on premiums, but you should be prepared to pay more out of pocket in case of a loss.

Cheapest High Deductible Renters Insurance in Vista, CA
Data filtered by:Results filtered by:
Coverage:
Coverage:$20K Personal Property
Deductible:
Deductible:$ 2,000
Capital Insurance GroupMoneyGeek Score82Annual Premium$ 65
NationwideMoneyGeek Score94Annual Premium$ 81
AllstateMoneyGeek Score82Annual Premium$ 105
TravelersMoneyGeek Score89Annual Premium$ 113
State FarmMoneyGeek Score85Annual Premium$ 119
FarmersMoneyGeek Score71Annual Premium$ 161
ChubbMoneyGeek Score61Annual Premium$ 257
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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 providing the financial protection you need.

Best Renters Insurance for Customer Service in Vista, CA

Travelers is the best renters insurance company for service quality in Vista, California, with an average annual premium of $140. For those who value excellent customer service without considering affordability, these are the top two best providers in Vista, California, for a policy with $20,000 in personal property coverage:

  • Travelers: MoneyGeek score of 96 out of 100 ($140 per year)
  • Nationwide:: MoneyGeek score of 95 out of 100 ($103 per year)

Great customer service is important for renters looking for insurance because it ensures a smooth experience when making a claim, helping you navigate the process quickly and efficiently. MoneyGeek scores renters insurance providers based on J.D. Power surveys, which measure customer satisfaction in the context of renters insurance.

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

Overview

In Vista, California, Travelers ranks first in customer satisfaction and coverage, offering an annual premium of $140. It provides contents replacement cost coverage, which ensures your personal property is replaced at current market value without depreciation in case of loss. Valuable items insurance protects high-value items like jewelry and electronics without requiring appraisals.

Best Renters Insurance for Service Quality in Vista, CA
Data filtered by:Results filtered by:
Coverage:
Coverage:$20K Personal Property
TravelersMoneyGeek Score96Annual Premium$ 140
NationwideMoneyGeek Score95Annual Premium$ 103
ChubbMoneyGeek Score93Annual Premium$ 277
State FarmMoneyGeek Score86Annual Premium$ 121
AllstateMoneyGeek Score77Annual Premium$ 105
FarmersMoneyGeek Score77Annual Premium$ 165
Capital Insurance GroupMoneyGeek Score61Annual Premium$ 83

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

Nationwide stands out for renters in Vista, California, needing high personal property coverage. It has an annual premium of $307 for a policy with $100,000 in personal property coverage. The top two best providers in Vistafor $100K in personal property coverage are:

  • Nationwide: MoneyGeek score of 94 out of 100 ($307 per year)
  • State Farm: MoneyGeek score of 93 out of 100 ($291 per year)

Renters with an extensive collection of belongings often require higher personal property coverage, which protects against loss or damage to items like electronics, furniture and clothing. However, higher coverage levels typically lead to higher premiums. It's important to find a provider that offers reasonable costs and excellent service, ensuring a balance that's particularly valuable when owning numerous items. Remember that high-value items such as jewelry or art may not be fully covered under standard policies and could necessitate additional coverage.

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

Overview

Nationwide ranks first in affordability and customer satisfaction for expensive homes in Vista, California, with an average annual premium of $307. Key coverages include protection against credit card forgery, which covers unauthorized transactions, and theft from vehicles, which extends protection to personal belongings stored in or on any motor vehicle. These coverages provide valuable security for renters with high-value homes.

Best Renters Insurance for High Personal Property Limits in Vista, CA
NationwideMoneyGeek Score94Annual Premium$ 307
State FarmMoneyGeek Score93Annual Premium$ 291
TravelersMoneyGeek Score92Annual Premium$ 364
AllstateMoneyGeek Score86Annual Premium$ 321
Capital Insurance GroupMoneyGeek Score82Annual Premium$ 254
FarmersMoneyGeek Score80Annual Premium$ 422
ChubbMoneyGeek Score61Annual Premium$ 872
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SCHEDULED PERSONAL PROPERTY COVERAGE

Valuables like jewelry or art often require additional coverage as they are typically excluded from standard policies. If you own such items, choose a provider that offers scheduled personal property coverage for extended protection.

Best Renters Insurance for Military Families in Vista, CA

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

  • USAA: MoneyGeek score of 100 out of 100 ($84 per year)
  • Nationwide: MoneyGeek score of 93 out of 100 ($103 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 second most affordable option for military members in Vista.

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

Overview

USAA is the top renters insurance provider for those with a military background in Vista. It leads in customer satisfaction and coverages. With an average annual premium of $84, it's a smart choice for affordability and quality. Contents replacement cost coverage ensures you can replace stolen or damaged items with new ones, while worldwide personal property coverage protects your belongings even when you're deployed or living abroad. These benefits are tailored to support the mobile and often international lifestyle of military families, offering security wherever duty calls.

Best Renters Insurance for Military in Vista, CA
Data filtered by:Results filtered by:
Coverage:
Coverage:$20K Personal Property
USAAMoneyGeek Score100Annual Premium$ 84
NationwideMoneyGeek Score93Annual Premium$ 103
State FarmMoneyGeek Score88Annual Premium$ 121
TravelersMoneyGeek Score87Annual Premium$ 140
AllstateMoneyGeek Score86Annual Premium$ 105
Capital Insurance GroupMoneyGeek Score82Annual Premium$ 83
FarmersMoneyGeek Score74Annual Premium$ 165
ChubbMoneyGeek Score61Annual Premium$ 277

Average Cost of Renters Insurance in Vista, CA

The average cost of renters insurance in Vista, California, is $142 annually or about $12 per month. This rate is cheaper than the California state average of $148 per year and the national average of $145 per year. 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 Vista may vary greatly depending on the amount of personal property coverage you purchase. Personal property coverage protects your belongings in case of theft, fire or other covered events. 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 Vista

The cost of renters insurance in Vista, 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 case 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 Vista, CA

Renters insurance covers personal belongings, liability and additional living expenses. It protects against theft, fire and certain natural disasters. Below is a list of what renters insurance typically covers:

  • Personal Property Coverage: This coverage protects your personal items from damage or theft. For instance, if a wildfire in California destroys your belongings, renters insurance can help replace them.
  • Personal Liability Coverage: This coverage protects you if someone gets injured in your rental and you are found liable. For example, if a guest slips and falls in your California apartment, this coverage can help with legal fees and medical expenses.
  • Loss of Use Coverage: This coverage helps pay for additional living expenses if your rental becomes uninhabitable. For example, if an earthquake in California makes your home unlivable, loss of use coverage can help cover the cost of 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 Vista

Renters insurance in Vista does not cover everything. For example, it typically excludes floods and earthquakes. Here is a list of what renters insurance usually doesn't cover:

  • Floods: Renters insurance does not cover damage caused by flooding.
  • Earthquakes: Damage from earthquakes is not typically covered.
  • High-value items: Items like expensive jewelry or electronics may not be fully covered.
  • Pests: Damage caused by pests such as rodents or insects is usually excluded.
  • Wear and tear: Normal wear and tear of the property is not covered by renters insurance.

FAQ: Renters Insurance in Vista, CA

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