California Renters Insurance
- Covers your stuff, not the building
- Personal liability if you are sued
- Hotel and living costs after a loss
- Proof for your landlord, same day
- Bundle with auto and save
Independent California broker - renters, auto, home and pet
Insurance shouldn't be a monster. Let's tame yours.
Renters, auto, home and pet insurance across California. One licensed broker, 40+ carriers, plain-English answers - including the tricky stuff like SR-22 filings and wildfire zones.
Start a renters quote
Auto insurance quote
Home insurance quote
Pet insurance quote
Or call a licensed CA broker: (916) 469-5253
Free and no obligation. Licensed California broker, 40+ carriers. Renting? See what renters insurance covers.
What we cover
One broker. Many carriers. Real coverage.
We place the policy that fits your situation instead of forcing you into one company's box.
California Auto Insurance
- SR-22 and high-risk drivers
- Tickets, accidents, or a DUI
- Lapse in coverage
- Foreign or new license
- Non-owner policies
California Home Insurance
- Homeowners and condo
- Landlord and rental property
- Dwelling fire
- Mobile and manufactured homes
- Bundle with auto and save
Wildfire and Hard-to-Insure
- Homes in high-fire zones
- Surplus lines markets
- FAIR Plan alternatives
- Difference-in-conditions
- Brush and high-fire zones
California Pet Insurance
- Dogs and cats
- Accidents and illness
- Cancer, surgery, and meds
- Use any licensed vet
- Compare plans for free
Renters insurance - HO-4
Your landlord's policy does not cover your stuff. Ours does.
A renters policy covers you the tenant, not the building. It is one of the most affordable policies we place, and it is the coverage most Californians skip until they need it.
- ✓ Your belongingsFurniture, electronics, and clothes - including theft, and even when your things are away from home.
- ✓ Personal liabilityIf someone is hurt in your unit or you damage the building, liability protects your savings and future income.
- ✓ Living expensesIf a covered loss makes your rental uninhabitable, the policy pays for somewhere else to stay.
- ✓ Proof for your landlordCalifornia does not require renters insurance, but most leases do. We name your landlord as an interested party and issue proof the day you bind.
- ✓ Earthquake and flood, handledBoth are excluded from every standard HO-4. We can add renters earthquake coverage - which actually matters here.
- ✓ Bundle with autoPairing renters with your car insurance earns a multi-policy discount that can offset much of the renters premium.
- What it covers
- How much do I need?
- Is it required?
- Roommates
- Students
- Earthquakes
- Renters + auto bundle
Coverage described here is a general summary of a standard HO-4 policy. Your actual coverage, limits, and exclusions are set by the policy we place for you. There is no fee to request a quote.
Monster protection
Coverage against life's monsters
Fire, wind, hail, theft, and the everyday mishaps. We help you get protected against the risks that matter most in California.
Why us
One broker who can handle the easy stuff and the hairy stuff
Most quotes are quick and simple. Some need a broker who knows where to look. We do both, and you only ever have one conversation.
A wide bench of carriers
We work with standard carriers for everyday renters, auto, home and pet coverage, plus specialty and wholesale markets across California for the situations that need them. Access varies by product and situation, and not every applicant qualifies with every carrier.
Wildfire country, covered
A wildfire home product placed through surplus lines, plus difference-in-conditions coverage to pair with the California FAIR Plan - so a home in a high-hazard zone still has real options.
Independent, so we work for you
We are a broker, not a single insurance company. We shop your risk across many carriers and bring back the coverage and price that fit. There is no fee to request a quote; your final cost is the premium and any fees or taxes shown in the quote and policy documents.
Meet your broker
A licensed California broker, not a call center
InsuranceMonster is run by Michael A. Kassing, a California-licensed insurance broker with more than two decades in the industry, including deep experience in the specialty and non-standard markets. When you call, you reach a real broker who works for you, not a single insurance company.
Active CA license #4445775 Verify on the CA DOI lookup
40+
Standard and non-standard carriers we can shop
$0
Cost to request a quote
CA
Licensed statewide, auto and home
Carrier access varies by product, location, and risk profile, and not every applicant qualifies with every market. There is no fee to request a quote; your final cost is the insurance premium plus any carrier, policy, surplus-lines, stamping, or tax charges shown in your quote and policy documents.
Simple
How it works
Tell us your situation
Share a few details about your rental, car, home, or pet - and anything unusual, like an SR-22 or a place in a wildfire zone. Two minutes, no obligation.
We shop it around
We match you to the carriers most likely to fit, across standard markets and, when your situation calls for it, specialty and surplus lines markets too.
We explain your real options
We walk you through the coverage and price in plain English - no jargon, no runaround.
You bind and stay covered
Pick the policy that fits and we get you covered, including any SR-22 or FAIR Plan filing you need.
Statewide
Coverage across all of California
We write auto and home insurance in all 58 counties and every major city - and we go deep on the risks that define each region.
By location
Find localized coverage and risk notes for your county or city, from wildfire country to the coast.
All California locations →Coverage explained
Plain-English pages on every policy we place, from the simple to the specialized.
Browse all coverage →Guides and answers
Costs, requirements, and what to do if a carrier says no or you need an SR-22.
Read the guides →
Get started
Get your free quote
Tell us a little about what you need and a licensed California broker will reach out with real options. Simple situation or complicated one, we shop it the same way.
Prefer to talk? Call (916) 469-5253.
Answers
Frequently asked questions
Is renters insurance required in California?
The state does not require it, but many landlords require it as a condition of the lease, and that is completely legal. If yours does, you will typically need to name the landlord or property manager as an interested party so they receive proof of coverage. We can issue that proof the same day you bind.
What does renters insurance actually cover?
An HO-4 policy covers your personal property (including theft and belongings away from home), personal liability, additional living expenses if a covered loss displaces you, and medical payments for guests. It does not cover the building itself, flood, or earthquake.
Does renters insurance cover flood or earthquake?
No. Both are excluded from a standard HO-4. Flood is covered separately through the NFIP or a private flood market, and earthquake is added by a separate renters earthquake policy or endorsement - which matters in California.
Does InsuranceMonster help drivers who were denied or non-renewed?
Yes. We specialize in non-standard and hard-to-place auto insurance in California, including drivers who need an SR-22, have tickets or accidents, a lapse in coverage, a DUI, or a foreign license. We shop multiple carriers to find a policy you can actually buy.
Can you insure a California home in a high wildfire risk area?
Often, yes. If your home was non-renewed or you were quoted only the California FAIR Plan, we can access surplus lines markets and difference-in-conditions coverage that many standard agents cannot, giving you broader protection than a bare FAIR Plan policy alone.
How much does it cost to use InsuranceMonster?
There is no fee to request a quote. As a broker we are paid by the insurance carriers, so our shopping service costs you nothing. Your final cost may include the insurance premium, carrier or policy fees, taxes, surplus-lines taxes, stamping fees, installment charges, or other amounts shown in the quote and policy documents.
What areas do you cover?
InsuranceMonster writes renters, auto and home insurance across California.