Renters Insurance
Your landlord's policy covers the building. This one covers everything you own inside it, plus your liability, usually for less than you spend on streaming.
California license #6020106
Menlo Insurance Services is the filed name of Opero Labs Inc., licensed by the California Department of Insurance.
Licensed in four states today
California, Texas, Pennsylvania and New York. Applications in Ohio, North Carolina and Michigan are with those states now. We do not quote a state before its license is issued.
Independent brokerage
We hold appointments with multiple carriers, so the quote is shopped rather than served from one shelf.
What this policy covers
Your belongings
Furniture, clothes, electronics, and bikes, whether at home, in your car, or traveling.
Personal liability
If someone is hurt in your place or you accidentally cause damage, like a kitchen fire that spreads.
Somewhere to stay
Hotel and living costs if a covered loss makes the apartment unlivable.
Theft away from home
A laptop taken from a cafe or gear stolen from your car is typically covered, minus your deductible.
What is the landlord's policy actually covering?
The building, and the landlord. Not your belongings, not your liability, and not the hotel bill if the unit becomes unliveable. Those three are what a renters policy is, and it is usually the cheapest policy anyone in the household will ever buy.
For renters across California
- Tenants whose lease requires a policy
- Roommates sorting out who covers what
- First apartments and first nice furniture
- Anyone with a bike, laptop, or camera that travels
What changes your premium
There is no flat rate for this coverage. These are the inputs a carrier prices against, and they are the same things the quote form asks you for.
- The amount of personal property you insure
- The liability limit you pick
- The deductible
- Where the unit is and how the building is built
Frequently asked questions
My landlord requires renters insurance. Is that normal?
Yes, very. Landlords require it mostly for the liability part, so that a fire or water loss you cause has a policy behind it. Meeting the requirement usually takes minutes and the certificate goes straight to your landlord.
Isn't my stuff covered by my landlord's insurance?
No. The landlord's policy covers the building, not your belongings. If the building burns, their policy rebuilds the walls and yours replaces what you owned.
How much is renters insurance?
It is usually the least expensive policy people buy, often less than a streaming subscription each month, though price depends on where you live, your limits, and your claims history. We will quote it in minutes.
Does it cover my bike or laptop outside my apartment?
Generally yes. Personal property coverage typically follows your things wherever they are. Theft from a car or a gym locker is a classic covered claim, subject to your deductible.
What is a scheduled item?
A specifically listed valuable, like an engagement ring, covered for an agreed amount above the policy's standard sublimits, often without a deductible. If you own something special, tell us and we will schedule it.
Does this policy cover the building itself?
Walls, roof, and systems are your landlord's policy, not yours.
Does this policy cover your roommate's things?
Unlisted roommates need their own policy. Coverage follows the named insured.
Does this policy cover flood and earthquake?
Both are separate policies, same as for homeowners.
Does this policy cover high-value items above limits?
Jewelry, art, and instruments have sublimits. Scheduling them fixes that.
Can you write this where I live?
We are licensed in California, Texas, Pennsylvania and New York, and applications in Ohio, North Carolina and Michigan are with those states now. We do not quote a state before its license is issued. Start a quote and we will tell you where you stand before you spend time on it.
What actually happens after I start a quote?
You answer a short set of questions, and a licensed broker at Menlo reads them, maps your operation to a class, and shops it with the carriers we are appointed with. There is no instant bind and no black box. You talk to a person before anything is quoted.
Coverages that pair with this
Auto Insurance
Liability, damage to the car, and the other driver who turns out to have no insurance at all.
Umbrella Insurance
Extra liability limit sitting above the home and auto policies you already carry, for a fraction of what raising each one costs.
Life Insurance
What the household lives on if your income stops.
Get covered before the lease deadline
A quote takes minutes, and the certificate your landlord wants goes out the same day.