Renters Insurance in San Bernardino, 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 San Bernardino, California

Renters insurance is a key coverage if you’re renting an apartment or house. It protects your rental unit — and any personal belongings within it — against a variety of perils, including vandalism, wind damage, theft, or fire. Since these occurrences are fairly common, the affordability of a renters policy, and the potentially high cost of replacing your belongings, a renters insurance policy is a solid investment.

Renters insurance rates are dictated by a number of factors, including the building's age, its material constitution, its geographic location, and the pricing rules of your insurance company. In areas prone to hail, fire, lightning, or damaging wind, renters insurance policies may be more expensive to account for the extra risk.

The average annual cost of renters insurance in San Bernardino is $218.

Finding reliable renters insurance in San Bernardino starts with shopping around and comparing policies. Consult our breakdown of San Bernardino renters insurance premiums to commence your purchase process with as much background info as possible. 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 San Bernardino

How much you pay for renters insurance in San Bernardino depends on the insurance company you choose. For instance, Interins Exchange offers the cheapest renters insurance in San Bernardino, at just $115 per year. That's less expensive than the city's average cost of $218, providing a $102 price break on the city's normal rates.

Start your search for a renters insurance policy by reviewing the cheapest companies in San Bernardino.

CompanyAverage Annual Rate in San Bernardino
Interins Exchange$115
Fire Insurance Exchange$135
State Farm$150
California Automobile$155

San Bernardino renters insurance pricing by coverage tier

The cost of your renters insurance depends on the amount of coverage you carry. Common renters insurance tiers are $25,000 and $50,000 property coverage. In San Bernardino, the annual cost differential between these options is roughly $87. If you can afford to insure your personal property at this additional expense, purchasing more coverage might not be a bad idea.

Coverage LevelAverage Annual Rate in San Bernardino
$25K Property$174
$50K Property$261

Tip: bundle your auto and renters insurance policies in San Bernardino

If you’re trying to save, purchase your renters and auto policies from a single company. Bundling renters and car insurance in San Bernardino can result in substantial savings. In fact, bundling policies in San Bernardino leads to average auto insurance savings of $66. The auto insurance company with the cheapest bundled rate is GEICO, followed by Mercury and Farmers.

Annual Bundle SavingsBundle Savings %

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