Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeInsuranceUSA.com. We do not endorse any agent or guarantee outcomes. Verify licensing and disciplinary status with the Department of Insurance of California before hiring.
Showing 16 renters insurance agents in Rancho Santa Margarita, CA
Listings are displayed in no particular order and are not ranked by BeforeInsuranceUSA. Order does not constitute a recommendation or endorsement of any agent.
Lori Garabedian - State Farm Insurance Agent
30052 Aventura # C, Rancho Santa Margarita, CA 92688
(949) 858-4400
lgginsurance.com
David C. Duncan Insurance Services, Inc.
30376 Esperanza Suite 200, Rancho Santa Margarita, CA 92688
(949) 836-8116
duncaninsuranceservices.com
Farmers Insurance - Jerry Farcone
30201 Aventura Ste 201, Rancho Santa Margarita, CA 92688
(949) 709-7860
agents.farmers.com
Rick Sicro - State Farm Insurance Agent
22362 Gilberto Ste 240, Rancho Santa Margarita, CA 92688
(949) 240-9300
ricksf.com
George Menclewicz: Allstate Insurance
22342 Avenida Empresa Ste 130, Rancho Santa Margarita, CA 92688
(949) 459-2795
agents.allstate.com
Adam Bays - State Farm Insurance Agent
22521 Avenida Empresa Ste 105, Rancho Santa Margarita, CA 92688
(949) 305-8432
adambays.com
Farmers Insurance - Cameron Watson
30162 Tomas Ste 205, Rancho Santa Margarita, CA 92688
(800) 922-6526
agents.farmers.com
Julie's Insurance Services
30211 Avenida de las Banderas # 200, Rancho Santa Margarita, CA 92688
(949) 979-6771
juliesinsurance.com
Shorr Agency Inc
30211 Avenida de las Banderas, Rancho Santa Margarita, CA 92688
(888) 737-6200
shorragency.com
Farmers Insurance - Renee Connell
30211 Avenida de las Banderas # 200, Rancho Santa Margarita, CA 92688
(949) 888-6610
agents.farmers.com
RSM INSURANCE & FINANCIAL SERVICES
22342 Avenida Empresa Ste 130, Rancho Santa Margarita, CA 92688
(877) 459-2795
totalinsuranceaccess
22342 Avenida Empresa #255, Rancho Santa Margarita, CA 92688
+234 714 990 4362
totalinsuranceaccess.com
Farmers Insurance
30021 Tomas, Rancho Santa Margarita, CA 92688
(949) 581-4466
farmers.com
Phillip Robinson Insurance Agency, Inc.
30211 Avenida de las Banderas #200, Rancho Santa Margarita, CA 92688
(949) 525-8072
Edson Insurance Services Inc.
23142 Arroyo Vista, Rancho Santa Margarita, CA 92688
(800) 696-7544
Rischel Insurance Services
31441 Santa Margarita Pkwy, Rancho Santa Margarita, CA 92688
(949) 589-8763
What Does a Renters Insurance Agent in Rancho Santa Margarita Cost?
In California, renters insurance typically costs between 15 and 30 dollars per month for a standard policy with 30000 dollars in personal property coverage. In Rancho Santa Margarita, rates may be slightly higher due to wildfire risk in the region. Actual costs depend on your coverage limits, deductible, and claims history. This is general information, not insurance advice.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not insurance advice — consult directly with an agent for fee specifics.
Frequently Asked Questions
What does renters insurance cover in Rancho Santa Margarita?
Renters insurance typically covers your personal belongings like furniture and electronics against theft, fire, and certain water damage. It also provides liability protection if someone is injured in your rental unit. In California, standard policies do not cover flood or earthquake damage, so you may need separate policies for those risks.
How much renters insurance do I need in California?
You should get enough coverage to replace all your personal belongings. A common recommendation is 30000 to 50000 dollars for personal property. California law allows you to choose actual cash value or replacement cost coverage, which affects your payout after a claim.
Can a landlord require renters insurance in Rancho Santa Margarita?
Yes, a landlord in California can require you to have renters insurance as a condition of your lease. Many property managers in Rancho Santa Margarita set a minimum liability limit of 100000 dollars. You must provide proof of insurance to your landlord before moving in.