Home Renters insurance Renters insurance cost California Temecula, CA How much is renters insurance in Temecula, CA Our data analysis shows that renters insurance in Temecula costs $275 per year or $23 monthly, on average. View Carriers Please enter valid zip Compare top carriers in your area Written by Shivani Gite Shivani Gite Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions. | Reviewed by Nupur Gambhir Nupur Gambhir Nupur is a licensed life, health, and disability insurance agent and an auto and home insurance expert. She has written extensively on insurance topics for QuinStreet’s CarInsurance.com, Insurance.com and Insure.com as well as for Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker and The Financial Gym. | Updated on: February 3, 2025 Why you can trust Insure.com Quality Verified At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. In Temecula, CA, the average cost of renters insurance is $275 annually for $40,000 in personal property, $300,000 in liability and a $1,000 deductible. It is $4 more than the state average of $271 per year.Renters insurance costs may differ depending on the coverage you opt for and the amount of liability coverage included in your policy. If you’re living in a rental property, it’s worth considering this type of insurance to protect your belongings from damages caused by fire, smoke, theft, vandalism and other covered events. We conducted an in-depth analysis of insurance companies to find the most affordable insurers for renters in Temecula. Continue reading to know the cheapest renters insurance companies in Temecula.Key TakeawaysAccording to Insure.com’s data study, renters insurance costs an average of $275 per year or $23 per month in Temecula.Mercury Insurance has the cheapest renters insurance for Temecula renters at $13 per month.Taking advantage of discounts, such as having a security system or bundling renters insurance with other insurance policies, can help reduce your insurance premiums.What is the average cost of renters insurance per month in Temecula?On average, the cost of renters insurance in Temecula is $23 a month. It’s equals to the state average of $23. Renters in Temecula pay these rates for the coverage limit of $40,000 in personal property coverage, $1,000 deductible and $300,000 in liability protection coverage.The renters insurance rates vary by city depending on your insurance provider and the coverage limits you choose. For example, renters in Temecula pay $19 per month for personal property coverage of $20,000 and a $1,000 deductible. However, if you decide to increase the personal property coverage limit to $40,000, you will pay $4 more for renters insurance.Now, you’ll have to decide how much coverage you need and how much you can afford. However, it is recommended that you choose higher coverage limits if your personal belongings consist of expensive jewelry, furniture and electronics.How much is renters insurance in Temecula by deductible?Renters insurance in Temecula costs an average of $237 per year for a $500 deductible and $20,000 in personal property coverage.The deductible is the amount you pay before your insurance coverage applies. By increasing your deductible, you can lower your insurance premium. For instance, raising your deductible from $500 to $1,000 will save you $11 annually.The table below shows renters insurance premiums for varying personal property coverage and deductible amounts.Deductible$20000 personal property$40000 personal property$60000 personal property$500$237$292$348$1,000$226$275$325Read our guide to know what does renters insurance cover.Who offers cheap renters insurance in Temecula?Your search for affordable renters insurance ends here.Mercury Insurance has the lowest rates in Temecula, with an annual premium of $13 per month. Based on Insure.com data study, Auto Club Enterprises (AAA) and CSAA Insurance (AAA) also offer cheap rates.After evaluating renters insurance quotes from all the national and regional insurance companies in Temecula, the experts at Insure.com put together a list of the most affordable insurance carriers.Below, you’ll find the average annual and monthly rates for cheap renters insurance companies in Temecula, CA.Renter insurance providerAverage annual rateAverage per month rateMercury Insurance$155$13Auto Club Enterprises (AAA)$176$15CSAA Insurance (AAA)$188$16Farmers$201$17State Farm$233$19Allstate$276$23Travelers$318$26Nationwide$607$51USAA$223$19Tips for reducing the cost of renters insuranceBelow are some tips to help you save on renters insurance in Temecula:Bundle policies: If you have other insurance, such as car insurance, bundling it with the same provider can often earn you a discount. Many insurers in Temecula offer savings for bundling policies.Increase your deductible: Choosing a higher deductible can lower your premium, but ensure you’re prepared to cover the higher out-of-pocket costs if you need to file a claim.Choose the right coverage amount: Regularly review your renters insurance to avoid paying for more coverage than you need. For example, you might opt for lower personal property coverage if you don’t own high-value items.Limit small claims: Filing multiple small claims can drive up your rates. If possible, consider paying for minor damages out of pocket to keep your premium low.Shop around for quotes: Don’t settle for the first offer. Compare renters insurance rates from multiple providers in Temecula to find the best coverage at the lowest price.Final thoughtsRenters insurance in Temecula, CA, offers valuable protection for renters at an affordable price. While premiums can vary depending on location, coverage amount and individual circumstances, the peace of mind it provides is worth the investment. By understanding your coverage needs, comparing quotes and taking advantage of discounts, you can find an affordable policy that suits your budget.MethodologyInsure.com, with the help of Quadrant Information Services, gathered data for renters insurance rates in Temecula for $40,000 personal property coverage, $300,000 liability coverage, and a $1000 deductible. The data presented are those with a good credit tier alignment. How much is renters insurance in other citiesAnaheimBrisbaneChinoClovisCosta MesaHuntington BeachLos AngelesSan FranciscoSanta ClaritaShivani GiteContributing Writer | . .Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions. 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