Moving to a new home meant finding new coverage fast. After finishing the QuoteMe request, my agent had options ready within minutes. Completely painless.
Home and renters insurance in California
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Homeowners coverage
Protection for your home and what’s inside
Exact coverage depends on the policy, carrier, state, limits, and exclusions.
Dwelling
Helps repair or rebuild the home after a covered loss, subject to the policy.
Personal property
Helps protect belongings such as furniture, clothing, and electronics.
Personal liability
Protection for certain claims involving injury or property damage to others.
Loss of use
May help with additional living costs while a covered home is uninhabitable.
What insurers consider — homeowners
What shapes your home insurance quote
Rating and underwriting vary, but these are common considerations.
- Replacement cost
- Roof age and construction
- Location and protection class
- Prior claims
- Deductible selection
Renters coverage
Make yourself at home. Protect what’s yours.
Your landlord covers the building. Renters insurance covers what's yours.
Your belongings
Helps cover personal property after certain losses such as theft or fire.
Personal liability
May help with covered injury or property-damage claims against you.
Loss of use
May cover additional living expenses after a covered loss.
Medical payments
Limited protection for certain guest injuries, regardless of fault.
What insurers consider — renters
What shapes your renters insurance quote
Rating and underwriting vary, but these are common considerations.
- Property value
- Liability limit
- Deductible
- Residence location
- Prior losses
Customer stories
What property coverage looks like in practice
Representative experiences from customers who found coverage through QuoteMe.
I'd been with the same carrier for a decade without reviewing my policy. Went through QuoteMe and found better coverage at a lower premium. Should have done it years ago.
The renters quote was the easiest part of my move. The agent answered all my questions about liability limits and I felt genuinely covered before my lease started.
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Helpful context
Common home and renters questions
Is market value the same as replacement cost?
No. Replacement cost focuses on rebuilding the structure and does not include land value.
Can I bundle home and auto?
Many insurers offer multi-policy opportunities, but availability and savings vary by carrier and eligibility.
What about detached structures?
Many policies include limited coverage for structures such as a detached garage or shed; limits and exclusions vary.
Does my landlord’s policy cover my belongings?
A landlord’s policy usually covers the building, not a tenant’s personal property.
Are roommates covered?
Roommates are not automatically insured under every policy. Ask an agent how each resident should be listed.
Can renters and auto be bundled?
Bundling may be available depending on the carrier, state, and policy eligibility.