How much is renters insurance in Chula Vista, TX

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In Chula Vista, renters insurance costs an average of $202 per year for $40,000 in personal property coverage, $300,000 in liability coverage, and a $1,000 deductible, which is $24 less than the statewide average of $226.

It can be higher or lower depending on the coverage limit you choose and the amount of liability the policy provides. If you rent, you should consider buying renters insurance because it protects your personal belongings from damage caused by covered perils such as fire or smoke damage, theft, vandalism and other mishaps.

Looking for affordable renters insurance in Chula Vista? We’ve compared the top companies to help you find the cheapest options.

Key Takeaways

Renters insurance costs an average of $202 per year or $17 per month in Chula Vista.
Progressive has the cheapest renters insurance for Chula Vista renters at $14 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 Chula Vista?

The average monthly cost of renters insurance in Chula Vista is $17, which is $2 less than the state average of $19. This rate is for a coverage limit of $40,000 in personal property, $300,000 in liability protection and a $1,000 deductible.

Renters insurance rates vary by city depending on the coverage and the insurance company you choose. For example, renters in Chula Vista pay $12 monthly for $20,000 in personal property coverage with a $1,000 deductible. If you increase your personal property coverage to $40,000, the cost will rise by $5.

Higher coverage limits are recommended if you own valuable items like jewelry, furniture, and electronics.

How much is renters insurance in Chula Vista by deductible?

Renters insurance in Chula Vista costs an average of $151 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	$20,000 personal property	$40,000 personal property	$60,000 personal property
$500	$151	$219	$280
$1,000	$140	$202	$258

Note: The liability protection coverage is $100,000.

Who offers cheap renters insurance in Chula Vista?

Your search for the cheapest renters insurance company ends here.

Progressive offers the cheapest renters insurance in Chula Vista at $168 a year or $14 per month. According to our data, State Farm ranks second on our list followed by Allstate.

Below are the average annual and monthly rates of the cheap renters insurance companies in Chula Vista.

Renter insurance provider	Average annual rate	Average per month rate
Progressive	$168	$14
State Farm	$194	$16
Allstate	$216	$18
Nationwide	$217	$18
Texas Farm Bureau	$282	$24
Farmers	$410	$34
USAA	$133	$11

Tips for reducing the cost of renters insurance

Below are some tips to help you save on renters insurance in Chula Vista:

Bundle policies. If you have other policies through the same insurer, such as car insurance, bundling it with the same provider can often earn you a discount. Many insurers in Chula Vista 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. Consider paying for minor damages yourself to keep your premium low.

Shop around for quotes. Don’t settle for the first offer. Compare renters insurance rates from multiple providers in Chula Vista to find the best coverage at the lowest price.

Renters in Chula Vista should purchase renters insurance to protect their personal belongings, provide liability coverage, and cover additional living expenses if their rental becomes uninhabitable due to a covered event. Premiums may differ based on location, coverage amount and individual circumstances, but the peace of mind it offers is worth the investment. You can get an affordable policy that fits your budget by assessing your coverage needs, comparing quotes and taking advantage of available discounts.

Methodology

Insure.com, with the help of Quadrant Information Services, gathered data for renters insurance rates in Chula Vista in 2023 for $40,000 personal property coverage, $300,000 liability coverage, and a $1,000 deductible. The data presented are those with a good credit tier alignment.

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Shivani Gite

Contributing 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.