Renters insurance for a new apartment in Los Angeles

Your belongings are usually your own to insure

The building policy and a renters policy answer different questions. A renters policy, depending on its terms, may include personal property, personal liability, and additional living expenses. Those words only mean what the policy says. Read the limits and the exclusions.

Los Angeles hazards, in general

Earthquakes are a known hazard in the Los Angeles region. Whether flood is a concern depends on the specific location, not on the city name alone. Standard renters policies commonly exclude both earthquake and flood. A separate policy is a question for a licensed agent, not a conclusion this page can make for your building.

What a lease can ask for

Some leases require renters insurance and a liability limit. The lease is the document that says so. Coveroo does not review leases and does not partner with Los Angeles landlords or insurers.

No price, no partner, no neighborhood score

This guide does not quote a premium, name a preferred insurer, or rank neighborhoods. It is a list of questions for your move. Roo can practice those questions with you. A licensed agent is who prepares a real quote.

Does my landlord’s policy cover my furniture?

A landlord’s policy generally covers the building they insure, not a tenant’s belongings or a tenant’s liability. Ask what your lease requires, then ask a licensed agent what a renters policy would actually include.

Are earthquake and flood included?

Earthquake and flood are commonly excluded from a standard renters policy and are often sold separately. Los Angeles is in earthquake country. Flood risk depends on the location. This page does not rate your neighborhood or quote a price.

General concepts only. Coverage depends on the policy. A licensed professional can read your notice, your lease, or your state’s rules with you.