Renters insurance that fits your lease.
Coverage for your belongings, your liability and a place to stay if your rental becomes unlivable, including the proof of insurance many landlords require.
By Sam Alishahi · CA Insurance License #4348151 · Reviewed October 2026 · How this page is researched
Your landlord’s policy doesn’t cover you
A landlord’s insurance covers the building, not your furniture, laptop or clothes, and not your liability if someone is hurt in your unit.
Renters insurance covers those, and it’s often a lease requirement. I can list your landlord as an interested party so they receive notice of the policy.
- BelongingsYour personal property, whether at home or away, subject to policy terms.
- LiabilityClaims if you accidentally injure someone or damage their property.
- Loss of useAdditional living expenses if a covered loss forces you to move out temporarily.
- Not includedEarthquake and flood damage need separate coverage.
What underwriters will ask
Having these ready means I can go to market on the first call. The quote form asks for the same things, and anything you don’t know yet can wait.
- The rental: address and unit type.
- Lease requirements: liability limit and landlord name to list.
- Belongings: rough value of what you own.
- Valuables: jewelry, art or equipment over a few thousand dollars.
- Pets: type and breed.
- Start date: move-in or lease date.
Renters insurance, answered
Can my landlord require renters insurance?
Landlords commonly include it as a lease requirement. Check your lease for the required liability limit.
Does renters insurance cover my roommate’s things?
Generally no, unless they’re named on the policy. Most roommates carry their own.
Does it cover theft outside my home?
Personal property is often covered away from home as well, subject to the policy’s terms and limits.
Is earthquake damage covered?
No. Earthquake coverage for renters’ belongings is a separate policy.
Do you offer renters insurance outside California?
Yes. Clients across the country send the same quote form. California policies are placed directly; outside California the request is handled together with a partner agency in your state, and the shopping across carriers works the same way. Rules, minimums and markets differ by state — see insurance requirements by state.
Moving in soon? Send the lease details.
The address, move-in date and your landlord’s requirements are all I need.
Alishahi Insurance · Saman Alishahi, independent insurance broker, California License #4348151. General information, not a quote or a promise of coverage; coverage depends on underwriting and the terms, conditions and exclusions of the policy actually issued.
Short videos from Sam
Under a minute each. Videos use an AI-generated version of Sam’s likeness and voice. General information only; coverage depends on your policy.
Tell me how to reach you. I’ll take it from there.
Takes about 30 seconds. I review every request personally and call you back, usually the same day.
(424) 552-4545Answered 24/7 · CA License #4348151
Get a reminder before your renewal.
Tell me when your policy renews and I’ll email you about six weeks before, when it’s worth comparing. One email, no calls.