Getting San Diego renters insurance has never been easier.

Getting San Diego renters insurance has never been easier.

Renters insurance in San Diego covers a lot more (and is a lot less expensive) than you might think. Not only does it protect your belongings from nightmares, like fire and theft, but Jetty has plans that can cover you from frustrating incidents that are a lot more common, like cracking your phone screen, breaking your laptop, losing an engagement ring, and more. Starting at just $5/month, we’ve got you covered for renters insurance in San Diego—and it takes less than 60 seconds to sign up.

Renters insurance in San Diego covers a lot more (and is a lot less expensive) than you might think. Not only does it protect your belongings from nightmares, like fire and theft, but Jetty has plans that can cover you from frustrating incidents that are a lot more common, like cracking your phone screen, breaking your laptop, losing an engagement ring, and more. Starting at just $5/month, we’ve got you covered for renters insurance in San Diego—and it takes less than 60 seconds to sign up.

4.7

  
  
  
  
  
  
  
  
  
  

From 321 verified reviews.

built for San Diego

Affordable renters insurance for San Diego, California.

Coverage for your phone, your laptop, and your surfboard.

  

Protect your portable electronics

  

Additional coverage for valuables and lost items

Jetty’s base renters insurance plan protects your belongings in a variety of scenarios, like if your surfboard is stolen, your couch is ruined because of a burst pipe, or your belongings are damaged in a fire. However, Jetty has Power-Ups that give you coverage on top of that. If you have Jetty’s Portable Electronics Power-Up, for example, we’ll cover the cost to fix or replace a cracked phone screen or damaged laptop. You can’t find this type of coverage in most other renters insurance plans. We also have a Valuables Protection Power-Up. While a basic renters insurance plan typically covers your jewelry and other valuables up to a limit, the Power-Up has two benefits worth noting. First, it protects extra valuable valuables, like an expensive engagement ring or watch. And second, it protects you if you lose the valuable (simply losing your engagement ring isn’t typically covered in a base plan).

Coverage whether or not you’re at home.

  

Protection when you travel

One fact that many people find to be surprising is that renters insurance protects your belongings whether or not the covered incident happens at home. If you’re on vacation in Europe and your phone gets stolen, that’s covered. If your laptop is stolen from your car, that’s covered. If you’re on your honeymoon and you lose your engagement ring, that’s covered—assuming you’ve got the Valuables Protection Power-Up. (Of course, any intentional damage or negligence is not covered by renters insurance.)

If you can’t go home, we’re here to help.

  

Increase in living expenses covered

If you’ve been forced out of your place because of a covered incident, such as a fire, we can help cover the cost of a hotel or other housing (within reason). This type of coverage is called "loss of use"—a jargon-y way of saying, "You can’t stay at home." If you find yourself in this situation, you have the option to stay with a friend or relative; in that case, even though we wouldn’t be paying for your accommodations, we could still help cover additional living expenses (e.g., if you’re spending more on food and laundry).

neighborhoods

What do San Diegans want for their renters insurance?

Living in San Diego is pretty picturesque and perfect. So when mishaps occur and you come across a string of bad luck, you’ll be glad you had Jetty Renters Insurance on your side to help protect your surfboard, your phone, and your place.

Living in San Diego is pretty picturesque and perfect. So when mishaps occur and you come across a string of bad luck, you’ll be glad you had Jetty Renters Insurance on your side to help protect your surfboard, your phone, and your place.

Neighborhood
Coverage
Neighborhood  

Downtown

Coverage
When you’re living your best life in the Gaslamp Quarter, you don’t want to have to worry about whether your phone might get cracked on that uneven part of the bar, or if your tablet disappeared from your bag. If you’ve got Jetty’s Portable Electronics Power-Up, those types of incidents would be covered.
Neighborhood  

Uptown

Coverage
Not everyone is lucky enough to live in an area with so many shops, restaurants, and even a brewery steps away from their door. But those living in the Hillcrest area can take advantage of all of it worry-free knowing that their favorite valuables (like jewelry) are still protected under Jetty’s Valuables Protection Power-Up while they’re out and about.
Neighborhood  

Pacific Beach

Coverage
As Pacific Beach residents know, it’s pretty great living so close to nature, but sometimes critters from the great outdoors find a way into your great indoors. If a licensed pest control person certifies that your place has bedbugs, your Jetty plan will be ready to help you; we’ll give you $300 to put toward bedbug cleanup so you can focus on getting back to a good night’s sleep.

Don’t see your neighborhood? See what your pricing is like in 30 seconds or less.

No agents. No paperwork. No nonsense.

1

Get a quote.

The Quick Quote process offers a quote in just 30 seconds.

2

Customize.

Remove coverage where you don’t need it, add extra coverage where you do, customizing the best renters insurance in San Diego for your exact needs.

3

Get insured.

Lock in your rate for San Diego renters insurance, and we’ll send proof of insurance straight to your inbox.

Frequently Asked Questions

Q.
What parts of my plan for renters insurance in San Diego can I customize?
A.

The easier question to answer is what can’t you customize? Jetty lets you adjust just about everything from your coverage limits to your deductible. It’s San Diego renters insurance for your lifestyle and budget.

Q.
Can I add a landlord or significant other?
A.

Go for it! Generate a quote, and you’ll find an option to add either a landlord (often called "additional interest" in your plan) or significant other. Just enter their info and protect their property, too.

Q.
Will I get proof of my renters insurance in San Diego?
A.

Once you sign up for a plan, we’ll e-mail full PDF documentation. If you ever lose it, you can download it again straight from your account.

Q.
What does my San Diego renters insurance plan consist of?
A.

Jetty offers four basic types of coverage for renters insurance in San Diego:

Contents coverage.

Protection for your belongings.

Loss of use coverage.

Help with living expenses in the event a covered loss makes your place uninhabitable.

Liability coverage.

Protection if you’re financially liable to someone else (perhaps as a result of damaging their property, for example).

Medical payments to others coverage.

Helps pay someone else’s medical bills due to a no-fault incident on or near your property.

Think you might need extra coverage but still want cheap renters insurance in San Diego? No problem. Jetty Power-Ups (technically called "endorsements" in the insurance world) are a set of bonus features you can add to any plan. They include coverage for bedbugs, portable electronics, valuables, and even AirBnB host theft protection. Add any and all that you need for the renters insurance plan that fits your San Diego lifestyle.

reviews

Still on the fence?
Here’s how some San Diego customers feel.

4.7

  
  
  
  
  
  
  
  
  
  

From 321 verified reviews.

  
  
  
  
  
  
  
  
  
  
Jetty Customer
Jetty has the most affordable and complete renter’s insurance on the market, it even beats the multi-policy discount from competitors!
  
23
  
  
  
  
  
  
  
  
  
  
Stephanie
very easy to manage and understand once you have to file a claim
  
21
  
  
  
  
  
  
  
  
  
  
Josh Turner
Jetty is the new frontier of renter’s insurance. Insurance through the big five is like maintaining a landline. Jetty is the iPhone X.
  
18

A special note on natural disaster renters insurance for San Diego.

What happens if a natural disaster, like a storm, earthquake, or wildfire hits San Diego? Jetty Renters Insurance covers you in the event of a wildfire; fire is a covered "peril," and that includes wildfires. You can also edit your Jetty Renters Insurance plan to include protection from earthquakes; after you purchase your plan, give our Member Care Team a call, and they can adjust it for you. Additionally, Jetty Renters Insurance offers protection from storm damage in some instances—what it comes down to is the difference between damage specifically caused by the storm (e.g., wind, debris, etc.) and damage caused by a flood (e.g., storm surge, water, etc.).

We cover the first one, which is typical of almost all renters insurance providers in the country. Let’s use an example: If high winds send a cinder block through your window and take out your 56-inch 4K OLED Panasonic flat screen TV, you’re covered because this is damage from wind and debris. If that same 56-inch 4K OLED Panasonic flat screen TV gets damaged or destroyed by the flood waters, you’re not covered. To cover against flood damage, we recommend you supplement your Jetty Renters Insurance with coverage from the U.S. government’s National Flood Insurance Program.

  
For more information, see the "What’s not covered" section of this post in our Jetty FAQ.

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Issuance of coverage is subject to underwriting review and approval. Coverage may not be available in all states. Please see a copy of the policy for the full terms, conditions and exclusions. Policy obligations are the sole responsibility of State National Insurance Company, Inc. (NAIC No. 12831), Bedford, TX, or National Specialty Insurance Company (NAIC No. 22608), Bedford, TX, depending on product and state (refer to the Legal Notices for more information). Coverage scenarios are hypothetical and shown for illustrative purposes only. Coverage is dependent on the actual facts and circumstances giving rise to a claim.

Jetty Insurance Agency LLC (Jetty) is an insurance agency licensed to sell property-casualty insurance products. Jetty will receive compensation from State National for such sales. Refer to the Legal Notices section for additional information.