Renters Insurance That Protects What Matters
Your landlord’s policy doesn’t cover your belongings. Get affordable renters insurance that protects your stuff, your liability, and your peace of mind—built for tenants in Lathrop, Tracy, Stockton, Manteca, Modesto, San Jose, Fremont and across California.
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Personal Property
Covers furniture, electronics, clothes, and more if stolen or damaged by a covered peril.
See CoverageLiability Protection
Helps if you’re responsible for injuries or property damage—at home or away.
Learn MoreLoss of Use
Pays for temporary housing & extra costs if a covered loss makes your place unlivable.
Learn MoreHigh‑Value Items
Add scheduled coverage for jewelry, watches, cameras, and collectibles.
Add‑OnsFast COIs
Same‑day proof of insurance for landlords and property managers.
Get ProofDiscounts
Bundle with auto, security device, claim‑free, gated community, and more.
See SavingsWhat Renters Insurance Covers
- Personal Property: Fire, theft, vandalism, certain water damage, and more (per policy).
- Liability: If a guest is hurt or you damage someone else’s property, even away from home.
- Medical Payments to Others: First‑aid/medical expenses if someone is injured at your place.
- Loss of Use: Hotel & extra living costs while your unit is being repaired after a covered claim.
- Replacement Cost Options: Choose actual cash value or upgrade to replacement cost for new items.
Popular Add‑Ons (California‑Ready)
- Scheduled Personal Property: Jewelry, cameras, fine art, musical instruments.
- Water Backup: Sump/sewer backup coverage where available.
- Identity Theft: Services & reimbursement options.
- Pet Liability: For dog‑bite incidents (breed/underwriting rules apply).
- Earthquake: Separate policy or endorsement options in CA—ask us.
- Short‑Term Rental: Limited coverage enhancements for occasional home‑sharing (varies by carrier).
Tip: Take a quick video walkthrough of your apartment. It makes inventory and claims easier—and can speed up the process.
Why Choose JSSR Insurance Agency
- Local & Responsive: Based in Lathrop—serving San Joaquin County and the Bay Area.
- Competitive Rates: We shop multiple carriers for your best price.
- Fast Proof: Same‑day certificates for landlords & leasing offices.
- Bundle Savings: Combine with Auto Insurance to save more.
Where We Serve
Helping renters across Lathrop, Tracy, Stockton, Manteca, Modesto, Ripon, Mountain House, San Jose, Fremont, Santa Clara County and throughout California, including Sacramento, Fresno, Los Angeles, San Diego. Searching “renters insurance near me”? You’re in the right place.
Discounts You May Qualify For
- Multi‑policy (Auto + Renters)
- Claim‑free history
- Monitored alarm or sprinklers
- Gated or secured building
- Pay‑in‑full / Auto‑pay / Paperless
- Good credit (where allowed)
Ready for a Fast, Affordable Quote?
We’ll ask a few quick questions and send your proof of insurance—often the same day.
Call (209) 701‑6900 Book a Time
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JSSR Insurance Agency — Our Knowledge, Your Success.
Frequently Asked Questions
How much does renters insurance cost?
Most California renters can get coverage for roughly the cost of a few coffees per month. Your price depends on location, coverage limits, deductibles, discounts, and claims history. We’ll shop multiple carriers for your best rate.
Doesn’t my landlord’s insurance cover me?
No. Your landlord’s policy covers the building, not your personal belongings or your liability. Renters insurance fills that gap.
Replacement cost vs. actual cash value—what’s the difference?
Actual cash value factors in depreciation; replacement cost pays what it takes to buy new items today. We can show prices for both.
Are roommates covered?
Policies are usually written per household/insured(s). Some carriers allow roommates; others require separate policies. We’ll set it up correctly.
Is flood or earthquake damage included?
Standard renters policies exclude flood and earthquake. We can quote separate earthquake policies and discuss flood options where applicable.
Disclaimer: This page provides general information and is not a guarantee of coverage. Policy terms and availability vary by carrier and state.
