Renters Insurance
California complete guide 2026 | Corona, CA | From $15/mo | $100k liability required by apartments | Same-day COI to landlord
Call (833) 371 5800 or request a renters quote.
What it covers — 3 big protections
- Personal property (C) $20k–$50k — furniture, TV, laptop, clothes, jewelry — fire, theft, water. Replacement cost — we buy new. Theft even away — laptop stolen from a car, phone at the gym.
- Personal liability (E) $100k–$300k — most important, required by apartments. Kitchen fire burns cabinets $15k — liability pays. Washer leak floods downstairs $10k–$50k. Dog bite or guest slip & fall — pays attorney + settlement.
- Loss of use (D) — hotel, temp rent, food if the apartment is uninhabitable after a fire.
- Medical payments (F) $1k–$5k — guest injury, quick pay.
Special CA coverages we offer for renters
- Earthquake contents only — standard does not cover — from $5/mo | Flood contents — from $12/mo
- Water backup / sewer backup — common in older CA apartments | Jewelry and guns floater for $5k+ items
- Identity theft $10k–$25k | Roommates — each needs their own policy
Starting prices at Jaikar
| Package | Starting range |
|---|---|
| Standard $20k contents + $100k liability | $15–$25/mo ($180–$300/yr) |
| Better $40k + $300k + replacement cost | $25–$40/mo |
| With earthquake | Add $5–$15/mo |
Bundle with auto = save about 15% on both — renters can become almost free.
What affects price & discounts
- ZIP — Corona / Riverside cheaper than LA / Irvine | Coverage | Deductible $250–$1,000 | Dog breed (Pit, Rott, GSD)
- Discounts: bundle auto 15%, burglar / fire alarm, gated, no claims, good credit
What is not covered
- Roommate’s property (unless listed), car theft (auto insurance), flood / earthquake (unless added)
- Pet damage to the apartment (chewing carpet), business property over $2,500, jewelry over $1,500 without a floater
For landlords — different policy
If you own a rental home or condo you need a landlord / dwelling fire policy — not renters — from $900/yr. We offer both.
Why choose Jaikar for renters in CA
- Same-day COI to landlord / apartment — free additional interest — get keys the same day
- From $15/mo — 10+ carriers — Lemonade, State Farm, Progressive | Bundle & save 15%
- We understand CA apartments — Irvine Co, Lewis, Essex, Equity | Replacement cost, not depreciated
- Based in Corona — serving all CA — Riverside, LA, OC, SB, Central Valley, Bay Area
- English / Punjabi / Hindi | Fast 10-min quote
Fast quote: rental address + apartment name + contents amount + dog breed? Start a quote →