Renters Insurance in San Jose, 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 Jose, 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 variety of perils, including theft, fire, vandalism, or wind damage. Since bad things do happen, the affordable price of renters insurance, and the potentially high cost of replacing your belongings, a renters insurance policy is a solid investment.

The cost of your renters insurance will rely on a number of contributing 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 extra risk.

The average yearly renters insurance rate in San Jose is $218.

Getting affordable renters insurance in San Jose begins with shopping around and comparing policies. Review our list of San Jose, California renters insurance rates to ensure you're informed and aware heading into the insurance purchasing process. Remember: rates 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 Jose

Renters insurance premiums in San Jose depend on the insurance company you choose. For instance, Fire Insurance Exchange offers the most affordable renters insurance in San Jose, at just $122 per year. That's less expensive than the city's average cost of $218, providing a $96 discount on typical rates in the city.

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

CompanyAverage Annual Rate in San Jose
Fire Insurance Exchange$122
State Farm$130
California Automobile$155
CSAA Insurance Group$158

San Jose renters insurance pricing by coverage tier

The cost of your renters insurance policy will be influenced by the amount of coverage you opt to carry. The most common levels of renters insurance coverage are $25,000 and $50,000 property coverage. In San Jose, the annual cost difference between these tiers is about $81. If you can afford to insure your personal property at this additional expense, it's worth considering.

Coverage LevelAverage Annual Rate in San Jose
$25K Property$178
$50K Property$259

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

If you’re looking to cut your insurance expenditures, purchase your renters and auto policies from the same company. Pairing renters and car insurance in San Jose can lead to substantial savings. In fact, bundling renters and auto insurance leads to average savings of 3.5% on car insurance rates. The auto insurer offering the most affordable rate with a renters bundle is GEICO, followed by Mercury and Farmers.

Annual Bundle SavingsBundle Savings %

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