Renters Insurance in Fremont, CA

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Renata Balasco

Senior Content Strategist

  • Licensed Insurance Agent — Property and Casualty

Renata joined The Zebra in 2020 as a Customer Experience Agent. Since 2021, she has worked as licensed insurance professional and content strategist.…

Renters insurance in Fremont, California

It's very important to maintain an active renters insurance policy for those renting an apartment or house. It covers your rental unit — and the personal property within it — against a number of perils, such as wind, theft, fire, or vandalism. Since bad things do happen, 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 comes down to a variety of factors, including your building's age, the materials from which it’s made, its location, and the pricing guidelines of your renters insurance company. In areas prone to events such as fire, lightning, wind, or hail, renters insurance policies may be more expensive to account for the extra risk.

The average yearly renters insurance rate in Fremont is $223.

Finding cheap renters insurance in Fremont starts with shopping around and comparing policies. Review our list of Fremont, California renters insurance rates to ensure you're informed and aware heading into the insurance purchasing process. Remember: renters insurance costs may vary based on your coverage limits and other factors.

Jump to:

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

Popular renters insurance companies in Fremont

How much you pay for renters insurance in Fremont depends on the insurance company. For instance, Fire Insurance Exchange offers the most affordable renters insurance in Fremont, at just $122 per year. This compares favorably to the city's typical renters insurance cost of $223, providing a $101 discount on the city's normal rates.

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

CompanyAverage Annual Rate in Fremont
Fire Insurance Exchange$122
State Farm$130
California Automobile$155

Fremont renters insurance pricing by coverage tier

Your renters insurance rates will vary depending on your coverage levels. Common renters insurance coverage tiers are $25,000 and $50,000 property coverage. In Fremont, the annual cost difference between these tiers is about $83. If you can afford to insure your personal property at this additional expense, it's an option worth considering.

Coverage LevelAverage Annual Rate in Fremont
$25K Property$181
$50K Property$265

Tip: bundle your auto and renters insurance policies in Fremont

If you’re looking to cut your insurance expenditures, carry your renters and auto policies under the same insurance company. Bundling renters and car insurance in Fremont can save you a substantial sum each month on your auto insurance bill. In fact, bundling renters and auto insurance leads to average savings of 3.5% on car insurance rates. The car insurance company with the cheapest bundled rate is GEICO, followed by Mercury and Farmers.

Annual Bundle SavingsBundle Savings %

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