Smart protection without the premium price

Renters insurance covers your personal belongings, your personal liability, and additional living expenses if a covered loss makes your rental unlivable. Your landlord's policy covers the building itself — it does not cover anything you own.

No state law requires it, but many California landlords require it in the lease, and they're allowed to. Even when it's optional, it's one of the least expensive policies you can buy relative to what it protects.

Generally no. A policy covers the named insured and household family members — an unrelated roommate usually needs their own policy unless the carrier allows them to be added by name.

You typically need your address, an estimate of what your belongings are worth, and a few minutes. Most policies can be issued same-day with proof of coverage sent to your landlord. Call (877) 411-5200 and it can usually be handled in one call.