Sacramento, CA Renters Insurance

Renters insurance in Sacramento, California


It's very important to maintain an active renters insurance policy for those renting an apartment or house. The coverage protects in a variety of circumstancees, including wind, theft, fire, or vandalism. Since these occurrences are fairly common, the affordable price of renters insurance, and the relatively high cost of replacing your property, a renters insurance policy is a solid investment.

Renters insurance costs are dictated by many factors, including your building's age, the material from which it’s made, its geographic location, and the pricing guidelines of your 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 annual renters insurance rate in Sacramento is $216.

Getting affordable renters insurance in Sacramento should start with a thorough review of the top renters insurance companies. Check out our breakdown of Sacramento renters insurance premiums to commence your purchase process with as much background info as possible. 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 Sacramento

Renters insurance premiums in Sacramento depend on the insurance company providing the quote. For instance, USAA offers the most affordable renters insurance in Sacramento, at just $117 per year. That's less expensive than the city's average cost of $216, providing a $99 discount on the city's normal rates.

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


AFFORDABLE RENTERS INSURANCE COMPANIES IN SACRAMENTO
CompanyAverage Annual Rate in Sacramento
USAA$117
Fire Insurance Exchange$137
Safeco$141
State Farm$142
California Automobile$155

Sacramento renters insurance pricing by coverage tier

Your renters insurance rates will vary depending on your coverage levels. The most common levels of renters insurance coverage are $25,000 and $50,000 property coverage. In Sacramento, the annual cost difference between these tiers is about $90. If you can afford to insure your personal property at this additional expense, it's worth considering.

Coverage LevelAverage Annual Rate in Sacramento
$25K Property$171
$50K Property$261

Tip: bundle your auto and renters insurance policies in Sacramento

If you’re trying to save, purchase your renters and auto policies from a single company. Bundling renters and car insurance in Sacramento can lead to substantial savings. In fact, bundling policies in Sacramento leads to average auto insurance savings of $69. The car insurer with the cheapest bundled rate is GEICO, followed by Mercury and Farmers.


CAR AND RENTERS BUNDLING DISCOUNTS IN SACRAMENTO
Annual Bundle SavingsBundle Savings %
$693.5%




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Ross MartinManager, Content Quality

Ross joined The Zebra as a writer and researcher in 2019. As a licensed insurance agent, he specializes in writing insurance content to help shoppers make informed decisions.

Ross holds a master's degree from Royal Holloway, University of London and has a background in copywriting and education. As a former teacher, he applies his educational skills to explain insurance concepts in ways that consumers can understand.

Ross's work has been cited by The New York Times, AxiosInvestopedia, The Simple DollarThe BalanceCar and Driver and Fox Business. He has been quoted by CNET, I Drive Safely and Kin Insurance