Renters Insurance in Chula Vista, CA

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Kristine Lee

Insurance Analyst

  • Licensed Insurance Agent — Property and Casualty
  • 4+ years of Experience in the Insurance Industry

Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer. Before joining The Zebra, she was a…

Renters insurance in Chula Vista, California

Renters insurance is critical if you're renting a house or an apartment. It insures your dwelling — and the personal property within — against a number of perils, including theft, fire, vandalism, or wind damage. Given the relatively common frequency of these incidents, the affordability of rental coverage, and the potentially high cost of replacing your belongings, a renters insurance policy is a solid investment.

The cost of renters insurance relies on a variety of factors, including the age of your dwelling, the materials of which it’s made, your apartment’s geographic location, and the pricing strategies of your renters insurance company. In areas prone to hail, fire, lightning, or damaging wind, renters insurance could be more expensive to account for the additional risk.

The average yearly renters insurance rate in Chula Vista is $176.

Finding affordable renters insurance in Chula Vista begins with shopping around and comparing policies. Check out our breakdown of average Chula Vista renters insurance rates to ensure you're informed and aware heading into the insurance purchasing process. Note that rates will vary based on coverage limits and other factors.

Jump to:

  1. Rates by company
  2. Rates by coverage level
  3. Bundling discounts

Popular renters insurance companies in Chula Vista

Renters insurance rates in Chula Vista depend on the insurance company. For instance, Interins Exchange offers the most affordable renters insurance in Chula Vista, at just $90 per year. This compares favorably to the city's average cost of $176, providing an $86 discount.

Begin your search for a renters insurance policy by exploring the cheapest insurers in Chula Vista.

CompanyAverage Annual Rate in Chula Vista
Interins Exchange$90
Fire Insurance Exchange$126
State Farm$137

Chula Vista renters insurance pricing by coverage tier

The cost of your renters insurance depends on the amount of coverage you opt to carry. Two of the most common levels of renters insurance coverage are $25,000 and $50,000 property coverage. In Chula Vista, the annual cost difference between these tiers is approximately $60. If you can afford the up-front expense, it's worth considering.

Coverage LevelAverage Annual Rate in Chula Vista
$25K Property$146
$50K Property$206

Tip: bundle your auto and renters insurance policies

If you’re looking to cut your insurance expenditures, purchase your renters and auto policies from the same company. Bundling renters and car insurance in Chula Vista can lead to substantial savings. In fact, bundling policies in Chula Vista leads to average auto insurance savings of $59. The car insurance company offering the most affordable rate with a renters bundle is GEICO, followed by Mercury and Farmers.

Annual Bundle SavingsBundle Savings %

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