Cheapest & Best Renters Insurance In Long Beach 2025
Nationwide offers the cheapest renters insurance in Long Beach at about $10 per month. However, I think Farmers is the better option because it provides more extensive coverage choices.
We’ve saved shoppers an average of $200 per year on their renters insurance.
Nationwide offers the lowest-cost renters insurance in Long Beach, priced at around $10 per month. However, if you’re seeking better services and more discounts, Farmers is an excellent choice. Although its premiums are higher, averaging around $18 per month, it stands out for its top-notch customer service and comprehensive coverage options.
With over 13,000 property crimes reported annually in Long Beach, impacting roughly 30 out of every 1,000 residents, renters insurance is a smart investment. It helps protect your belongings and provides valuable financial security and peace of mind.
Cheapest Renters Insurance Companies In Long Beach
If you’re searching for budget-friendly renters insurance in Long Beach, Nationwide offers the lowest rates, averaging around $10 per month. To help you compare your options, the table below lists the five most affordable providers.
| Company | Average Monthly Cost |
| Safeco | $14 |
| Nationwide | $10 |
| CSAA | $16 |
| USAA | $15 |
| Mercury Insurance | $13 |
Best Renters Insurance Companies In Long Beach
Nationwide is a great option for renters looking for low-cost insurance, but the cheapest policy isn’t always the best. In my view, Farmers is the best choice for renters insurance in Long Beach, providing quality service at competitive rates. They also offer a user-friendly mobile app for easy policy management, along with valuable discounts and a variety of add-on coverage options.
| Company | Average Monthly Cost |
| State Farm | $20 |
| Travelers | $25 |
| Farmers | $18 |
| Allstate | $27 |
| USAA | $15 |
Average Cost Of Renters Insurance In Long Beach
Renters in Long Beach typically pay around $22 per month or $264 per year for insurance. However, your actual cost may differ depending on factors like coverage limits, location, deductible, and the insurer’s pricing model. Below is a table comparing average rates from five leading providers in the area.
| Company | Average Monthly Cost |
| USAA | $18 |
| Travelers | $29 |
| State Farm | $22 |
| Nationwide | $12 |
| Allstate | $30 |
Average Cost Of Renters Insurance In Long Beach By Deductible
A deductible is the amount you must pay out of pocket before your renters insurance begins covering a claim. Opting for a higher deductible can reduce your monthly premium, while a lower deductible leads to higher monthly costs. The table below shows the average renters insurance rates in Long Beach based on different deductible amounts.
| Deductible Amount | Average Monthly Cost |
| $250 | $22 |
| $500 | $22 |
| $1,000 | $20 |
| $1,500 | $19 |
| $2,000 | $17 |
Factors That Impact Renters Insurance Costs In Long Beach
Several factors affect the cost of renters insurance in Long Beach:
Location: Insurance rates are higher in areas with more crime or greater risks of natural disasters like floods.
Claim History: If you’ve filed multiple claims before, insurers may see you as a higher risk and charge higher premiums.
Credit Score: Many insurers use credit scores to set rates, with lower scores often leading to higher costs.
Coverage Limits: Policies with higher personal property and liability coverage, especially with add-ons like identity theft protection or replacement cost coverage, tend to be more expensive.
Deductible Amount: A higher deductible lowers your monthly premium, while a lower deductible raises it since the insurer assumes more risk.
Home Safety Features: Installing security systems, smoke detectors, or sprinklers can reduce risk and may help lower your insurance rates.
Common Causes Of Loss In California
California renters face several risks, including fires, theft, floods, wildfires, tsunamis, and water damage. Being aware of these dangers can help tenants choose the right insurance policy to protect their belongings and finances.
Property Crime & Theft
With more than 13,000 property-related crimes reported each year in Long Beach and over 700,000 across California, renters insurance is a crucial safeguard. It helps replace stolen belongings and can also offer liability coverage if someone is injured during a break-in.
Flood Risks
Flooding is a recurring issue in Long Beach, especially after heavy rains. Its coastal location also makes it vulnerable to tsunamis. Since standard renters insurance doesn’t cover flood damage, tenants should consider purchasing a separate flood insurance policy for complete protection.
Wildfires
Due to California’s dry climate and geography, wildfires pose a major threat. Most renters insurance policies exclude wildfire damage, but some insurers offer wildfire coverage add-ons or discounts for extra protection.
Earthquakes
Long Beach’s location near multiple fault lines makes it highly prone to earthquakes. Since renters insurance does not cover earthquake-related damages, purchasing additional earthquake insurance or an add-on is necessary to stay protected.
Fire Hazards
Fires in multi-unit buildings can spread rapidly, leading to significant losses. Renters insurance helps replace personal belongings damaged by fire. Given the frequency of fire incidents in Long Beach, having coverage is a smart choice.
Water Damage
Leaks from plumbing, burst pipes, or roof damage can lead to costly repairs. While renters insurance typically covers water damage inside the unit, flood-related damage requires additional coverage.
Additional Protection
Renters insurance may also cover losses from vandalism, accidental damage, and certain natural disasters, providing extra security and peace of mind.
Understanding these risks can help renters choose the best insurance policy to safeguard their belongings and financial well-being.
Our Methodology
To evaluate renters insurance providers, we analyzed key factors such as pricing, coverage options, claims handling, and customer service. Our research involved gathering quotes from multiple insurers in Long Beach, focusing on standard policies that include $20,000 in personal property coverage and $100,000 in liability protection.
We also assessed deductible choices, additional coverage for risks like floods and earthquakes, and potential discounts for bundling renters and auto insurance. Customer reviews were a vital part of our analysis, with insights from sources like J.D. Power and Consumer Reports helping us identify insurers known for reliable service and efficient claims processing.
Additionally, we considered risks specific to Long Beach—such as theft and water damage—since they impact coverage needs. By weighing these factors, our guide delivers a well-rounded comparison of renters insurance options in California.
Quotes Analyzed
Brands Reviewed
Research Hours
Years Of Experience
About Bob Phillips
