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Same-Day Renters Insurance in California

Covered Before You
Pick Up the Keys

Same-day renters insurance in California, done in one short call. Your landlord gets proof of insurance today and your move-in stays on schedule.

Same-day renters insurance in California. One short call, proof of insurance today.

Apartments Houses Condos Townhomes Rented rooms
Proof of insurance the day you call
Most policies under $1/day
Roommates on the same policy
Add your car insurance in the same call
Call Now or complete the form below Mon-Fri 9am-7pm, Sat 10am-5pm
Same-day renters insurance in California from Express Lane Insurance
Takes 2 Minutes

Free quote · No obligation · CA residents only

Choose Anytime and an agent calls you within 4 minutes during business hours, or first thing the next morning after hours. Pick a window and we call you inside it.

Text consent is optional and not required to submit. Your information is kept private and never sold to third parties.

We're Here to Get You Covered Before Move-In Day

Renters across Lancaster, Palmdale, Los Angeles, and all of California count on Express Lane Insurance to get it done the day they call.

Over 1,000 5-Star ReviewsOur clients love the personalized service we provide.
13+ Years Serving California Renters and DriversPolicies written anywhere in the state.
Google Reviews
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Our Insurance Partners

Quoted on the spot

Tell us the address and your move-in date, and the quote is done on the call.

Started the same day

Proof of insurance the day you call, often in 15 minutes or less.

Roommates on one policy

Everyone on the lease on one renters policy, so nobody pays twice.

That is how your renters insurance in California gets done the day you call.

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Your Lease Says Proof of Insurance
The Keys Shouldn't Wait on It

The apartment is approved, the move-in date is set, and the leasing office wants a renters policy before they hand over the keys. You don't need a week of research. You need it done today. Sound familiar?

The Landlord Wants It Before Move-In

The lease lists renters insurance as a requirement, and the deadline is the day you pick up the keys. Every hour spent comparing apps is an hour you don't have.

You Think the Landlord's Policy Covers You

It covers the building. Your furniture, your electronics, your clothes, and anything you owe someone after an accident in your unit are on you without a policy of your own.

Your Roommates Were Told to Buy Separate Policies

Not every insurance company will put roommates on one policy, so people end up paying twice for the same apartment. You deserve a policy that fits how you actually live.

California Renters Insurance
Done the Day You Call

You have a move to run. Tell us the address and the move-in date, and we take the renters policy off your list, with proof of insurance in your inbox the same day.

Other agencies

Our clients tell us renters insurance felt like an afterthought.

A quote by email, a form to fill out, and a follow-up that never came, while the leasing office kept asking for the certificate.

Express Lane Insurance

One call, a few questions, and you're insured.

Renters policies are quick for us because we do them every day, with the proof your landlord asked for sent the same day.

13+
Years of expertise
1,000+
Five-star reviews
15 min
To proof of insurance

We Work for You, Not the Insurance Company

We shop multiple insurance companies to find the right rate and coverage for you, not just whoever pays us the most.

Proof of Insurance in 15 Minutes

Need the certificate before the leasing office closes? Most renters policies are done in one call, with proof of insurance sent the same day, often in under 15 minutes.

Roommates on the Same Policy

Not every insurance company allows it. We can put you and your roommates on one renters policy, so nobody pays twice.

Four Offices, All of California

Walk into our Lancaster, Palmdale, or downtown Los Angeles office, or handle everything by phone from anywhere in California. English or Spanish.

What Type of Insurance Do You Need?

From auto and motorcycle to RV and life insurance, we help California families find the right coverage for every vehicle and every stage of life.

Auto Insurance

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Commercial Auto Insurance

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High Risk Car Insurance

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SR-22

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Motorcycle Insurance

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Uber & Lyft Insurance

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Motorhome & RV Insurance

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Travel Trailer Insurance

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General Liability Insurance

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Life Insurance

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Getting Covered Is Simple

Three steps between you and proof of insurance, all by phone if you like.

1

Call or Send the Form

Call (866) 488-7964 or fill out the form on this page. Have the address and your move-in date handy; the call takes about ten minutes.

2

We Find the Right Policy for You

We compare multiple insurance companies and set up the one that fits your rental, your belongings, and your roommates, at a price that fits your budget.

3

Proof of Insurance Today

You get your proof of insurance the same day, ready to send to your landlord or leasing office. Then you go pick up the keys.

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What's Covered

Cheap Renters Insurance Shouldn't Mean
Thin Coverage

Most of the renters policies we write run under $1/day, and they still carry the pieces that matter when something goes wrong in a place you don't own.

Personal Property

Your furniture, electronics, clothing, and belongings, covered against fire, theft, and water damage from a burst pipe, at home or away from it.

Personal Liability

If a guest is hurt in your unit or you accidentally damage someone else's property, liability coverage helps pay medical bills, legal fees, and settlements. Most policies start at $100,000.

Loss of Use

If a fire or other covered event makes your rental unlivable, this pays for a hotel, meals, and the extra cost of living somewhere else while it's repaired.

Medical Payments to Others

Small medical bills for a guest hurt in your unit, paid regardless of fault, so a minor accident doesn't turn into a dispute.

Roommates on One Policy

Everyone on the lease can be covered under one renters policy, so you share one small premium instead of each buying your own.

Own Your Home? We Write Homeowners Insurance Too

Homeowners insurance in California takes more work than it used to. We work with insurance companies familiar with wildfire-prone California zones, and we'll tell you up front what's possible for your home.

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Going Without Renters Insurance
Costs More Than Having It

A renters policy is one of the smallest bills you'll have in your new place. Going without it is not.

  • Replacing every piece of furniture, electronics, and clothing out of pocket after a fire or break-in
  • Paying a guest's medical bills yourself if they're hurt in your unit
  • Covering your own hotel if your rental becomes unlivable
  • Losing the apartment because the leasing office won't release the keys without proof of insurance
  • Paying for two policies when you and your roommate could have shared one
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Your Lease Can Require It

Not Required by California Law, Often Required by Your Lease

No California law makes renters buy insurance, but landlords and property managers can make it a condition of the lease, and many do. If your lease asks for it, you need proof before move-in, and some leasing offices want the landlord listed on the policy.

Liability
Often $100,000
requested
Belongings
Personal property
coverage
Proof
Before you get
the keys

Imagine Move-In Day
With One Less Thing to Chase

You call on your lunch break. A few minutes later your renters policy is set, the proof of insurance is in your inbox, and the leasing office has what it asked for.

  • Proof of insurance in your inbox the same day, ready to forward to your landlord
  • Your furniture, electronics, and clothes covered against fire, theft, and water damage
  • Your roommates on the same policy, one bill instead of two or three
  • Liability protection if a guest gets hurt in your unit
  • A real agent who picks up when you call, in English or Spanish
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Most policies under
$1/day
Compared across multiple insurance companies.

What affects your rate

  • Coverage Amount
  • Deductible
  • Zip Code
  • Claims History
  • Type of Rental

Move-In Day Is Coming
Get Covered Today

One call, a few questions, and your proof of insurance is on its way. Call now, or send the form and we'll call you back.

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Common Questions

Renters Insurance in California
Frequently Asked Questions

Straight answers on how fast you can be covered, what a renters policy includes, and what your landlord can ask for.

Yes. Call us during business hours and most renters policies are set up in one call, with proof of insurance sent to you the same day, often within 15 minutes. If your leasing office needs the certificate before it closes, tell us when you call and we'll work to that deadline.

There's no waiting period on the renters policies we write. Coverage begins on the start date we set when you call, which can be the same day. If your move-in is next week, we can set the policy to start that day instead.

Most of the renters policies we write run under $1/day, roughly $100 to $200 a year, depending on how much coverage you want for your belongings, your liability limit, your deductible, and where the rental is. We compare multiple insurance companies and set you up with the best-priced option for you.

Your name and date of birth, the address of the rental, your move-in date, a rough idea of what your belongings are worth, and your landlord or property manager's name if your lease asks for them to be listed on the policy. That's usually all it takes.

Yes. Not every insurance company allows it, but we can put you and your roommates on one renters policy so you share one premium instead of each buying your own. Everyone on the policy is covered for their belongings and liability.

No. Your landlord's policy covers the building, not what's inside your unit. If there's a fire, a break-in, or a burst pipe, your furniture, electronics, and clothing are only covered by your own renters policy. It also doesn't cover you if a guest is hurt in your unit.

Four things, mainly: your personal property (furniture, electronics, clothing) against covered events like fire, theft, and water damage; personal liability if someone is hurt in your unit or you damage someone else's property; loss of use, which pays for a hotel and extra costs if your rental becomes unlivable; and medical payments for a guest's minor injuries. Earthquake damage is not included and needs a separate policy.

Not by state law. But your landlord or property manager can require it as a condition of the lease, and many do. If your lease asks for it, you'll need proof of insurance before you get the keys, and some leasing offices want to be listed on the policy.

We send proof of insurance to you the same day, and you can forward it to your leasing office right away. If your lease requires the landlord or property management company to be listed on the policy, tell us when you call and we'll set that up.

Yes. Our two Lancaster offices and our Palmdale office write renters insurance for apartments, houses, condos, and rented rooms across the Antelope Valley, including Quartz Hill, and the policy can be done by phone the same day. Walk in or call.

Yes. Renters insurance in Los Angeles can be handled by phone the same day you call, or by appointment at our downtown Los Angeles office on Wilshire Blvd. We write renters policies for all of California, not just the cities where we have offices.

Yes, though the California home insurance market has changed and not every home can be insured right away. We work with insurance companies familiar with wildfire-prone California zones, and we'll tell you up front what's possible for your home. Call us to talk it through.

Yes. Many of our renters clients handle their car insurance in the same call, and having both with one agency means one number to call for everything. Ask about it when you call and we'll compare your current auto rate against what we can find.

Our clients tell us that at other agencies they felt like a number: a quote, maybe a follow-up, and not much else. We work until we find the right option for you, and after 13 years in California insurance that's usually one short call. If your current rate is already the lowest we can find, we'll tell you.

No. Standard renters policies in California don't cover earthquake damage. Earthquake coverage for renters is a separate policy sold through the California Earthquake Authority (CEA) and some private insurance companies, and it isn't one we write. The renters policy we set up for you still covers fire, theft, water damage from a burst pipe, liability, and loss of use.

Still have questions? Our agents are ready to help.

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Renters Insurance in Los Angeles County
and Anywhere in California by Phone

Four local offices in Lancaster, Palmdale, and downtown Los Angeles, and renters policies written statewide by phone.

Renters Insurance in Lancaster, CA

44215 20th St W, Lancaster, CA 93534

Mon-Fri 9am-7pm, Sat 10am-5pm

Renters Insurance in Lancaster, CA

830 W Ave L, Suite 135, Lancaster, CA 93534

Mon-Fri 9am-7pm, Sat 10am-5pm

Renters Insurance in Palmdale, CA

37951 47th St E, # A11, Palmdale, CA 93552

Mon-Fri 9am-7pm, Sat 10am-5pm

Renters Insurance in Los Angeles, CA

915 Wilshire Blvd, Los Angeles, CA 90017

Mon-Fri 9am-7pm, Sat 10am-5pm, by appointment

Looking for renters insurance in Los Angeles or the Antelope Valley? Our agents know what local leasing offices ask for and get it done the same day.

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