Irvine, CA Renters Insurance

Renters insurance in Irvine

It's very important to maintain an active renters insurance policy if you're renting a house or an apartment. It insures your dwelling — and the personal property within — in a variety of circumstancees, including vandalism, wind damage, theft, or fire. Given the relatively common frequency of these incidents, the affordable price of renters insurance, and the relatively high cost of replacing your property, a renters insurance policy is a solid investment.

The cost of renters insurance relies on a variety of 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 in which fire, lightning, wind, or hail are common, renters insurance could be more expensive.

The average yearly cost of renters insurance in Irvine is $194.

Getting affordable renters insurance in Irvine starts with shopping around and comparing policies. Consult our breakdown of average Irvine renters insurance costs to ensure you start your search with as much background info as possible. Remember: your renters insurance costs may vary based on your coverage limits and other factors.

Irvine renters insurance:

  1. Rates by company
  2. Rates by coverage level
  3. Renters and auto insurance discounts

Renters insurance costs in Irvine — top companies

Insurance premiums in Irvine vary based on the insurance company. For instance, Interins Exchange offers the most affordable renters insurance in Irvine, at just $109 per year. This compares favorably to the city's typical renters insurance cost of $194, providing an $86 discount on the city's normal rates.

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

CompanyAverage Annual Rate in Irvine
Interins Exchange$109
State Farm$130
Fire Insurance Exchange$133

Irvine renters insurance premiums by coverage level

The cost of your renters insurance depends on the amount of coverage you opt to carry. Common renters insurance tiers are $25,000 and $50,000 property coverage. In Irvine, the annual cost difference between these tiers is about $67. If you can afford the up-front expense, purchasing more coverage might not be a bad idea.

Coverage LevelAverage Annual Rate in Irvine
$25K Property$161
$50K Property$228

Tip: bundle your renters and auto insurance policies

If you’re seeking ways to save on your insurance expenditures, consider carrying your renters and auto policies with the same insurance company. Bundling renters and car insurance in Irvine can save you a substantial sum each month on your auto insurance bill. In fact, bundling policies in Irvine leads to average auto insurance savings of $61. The car insurance company with the cheapest bundled rate is GEICO, followed by Mercury and Farmers.

Annual Bundle SavingsBundle Savings %

Need renters insurance? Talk to an expert today.

Kristine Lee LinkedIn

Kristine is a licensed insurance agent and one of The Zebra’s in-house content strategists. With a background in copywriting, she covers the ins and outs of the home and car insurance industries. She has contributed to numerous publications focused on the nuances of insurance, including Automoblog,, and