Finder is committed to editorial independence. While we receive compensation when you click links to partners, they do not influence our opinions or reviews. Learn how we make money.

Wawanesa rental insurance review

Last updated:  

Offers low deductibles and prices, but only to renters in California and Oregon.

  • Get a quote if a low deductible is important to you.
  • Pick something else if for discounts for bundling your rental and car insurance.
  • California renters will love the limited earthquake coverage option.

CA, OR

Available states

24/7 claims

Online quotes

Details

Pros

  • Low deductible
  • High customer ratings
  • Earthquake coverage
  • Online application

Cons

  • Limited availability
  • No bundling discount
New home discount discount No
New homeowner discount No
Home safety features discount Yes
New policy discount No
Bundling discount No
No claims discount No
Other discounts Gated community discount
Personal property coverage Yes
Valuable personal property Yes
Theft coverage No
Fire coverage No
Flood coverage No
Identity theft coverage No
Homesharing No
Dwelling coverage No

Expert review

Heather Petty

Review by


Heather Petty is a writer at Finder specializing in banking, investments and insurance. She's a self-proclaimed word nerd who worked as a technical writer and editor for the casino systems industry and is an internationally published young adult mystery author. Heather earned a bachelor’s degree in English from the University of Nevada, Reno.

Expert review

Wawanesa’s basic rental insurance is pretty standard fare, but the add-on coverage options, especially for earthquake coverage, online applications and other perks make this a solid option for California and Oregon residents.

If you want a company that offers discounts for bundling your renters and auto policies, shop around and compare other renters insurance companies that might be a better fit for you.

What rental insurance coverage does Wawanesa offer?

Renters insurance from Wawanesa includes coverage for loss or damage to your personal belongings, personal liability with medical payments to third parties and loss of use expense if your rental becomes unlivable. Optional add-on coverage includes:

  • Added financial loss protection for forgery or theft
  • Increased coverage limits
  • Some coverage for earthquakes for California residents
  • Valuable personal property

What rental insurance discounts can I get?

Wawanesa offers the following discounts on renters insurance:

  • Gated community discount. If you live in a neighborhood or building with a passcode entry, you could get 2% off your premium —or 5% with a 24-hour security guard.
  • Protection device discount. Get up to 10% off your basic premium for having a combination of fire alarms, dead bolts and burglar alarms.

Pros and cons of Wawanesa rental insurance

Pros

  • Low deductible. It’s deductibles don’t go higher than $500.
  • Earthquake coverage. California residents can choose to purchase this add-on, which offers limited actual cash value coverage on your dwelling, low-limit personal property and living expenses coverage and a high deductible.
  • Online applications. Avoid applying through an agent or representative with its fully online application process — a perk offered by larger, more established providers.

Cons

  • Limited availability. Renters insurance is only available in California and Oregon.
  • No bundling discount. Where most companies offer significant discounts for bundling auto and home policies, Wawanesa doesn’t reward that kind of loyalty.
  • Low customer ratings. Wawanesa has been accredited by the Better Business Bureau since 1975 and has an A+ rating as of January 2020. But the company has low customer ratings across review sites, which seem to center around the slowness of customer service responses.

How to apply for Wawanesa rental insurance

Call customer service at 800-640-2920, or use the following steps to get an online rental insurance quote:

  1. Go to the Wawanesa website.
  2. From the home page, click Get a quote and select Renters quote.
  3. Enter your ZIP code and click Get your quote.
  4. Fill out details of your personal information and click Next.
  5. Answer some questions about your home and discounts click Next.
  6. Review the details of your renters insurance quote. To purchase the policy, select I accept to allow a credit check and click Buy policy.
  7. Review the details of your policy, and set up payment.

What info do I need to apply for rental insurance with Wawanesa?

You need to have the following information available before applying for a quote:

  • Antitheft and fire protection details
  • Construction style of the home
  • Base house information, such as number of stories and rooms
  • Proximity of the closest fire station and hydrant
  • Slope of the property
  • Area information, such as nearest brush area, recent evacuation or earth movement incidents
  • Home features, such as a fireplace, pool, trampoline, skate ramp or spa
  • Pet information

Alternatives to Wawanesa

Name Product Storm & water backup Valuable property Enhanced rebuild Homeshare coverage Available states
Policygenius home insurance
All 50 states
This online marketplace does most of the work for you, matching you with quotes from 14 highly rated home insurers.
Hippo home insurance
AL, AZ, CA, CO, GA, IL, IN, MD, MN, MS, MO, NV, NM, OH, PA, SC, TN, TX, UT, WI
Get an online quote in 60 seconds and find out how much you could save with Hippo.
Kin home insurance
AL, FL, GA, TX
Get coverage fast with policies designed to protect coastal homes.
Progressive home insurance
All 50 states
Protect your home and auto insurance with Progressive to save a bundle.
Allstate home insurance
All 50 states
Protect your home and belongings and save even more by bundling insurance with Allstate.
Liberty Mutual home insurance
All 50 states
Invest in affordable insurance that protects your home and your property from damage no matter where you live.
loading

Compare up to 4 providers

Common questions about Wawanesa rental insurance

Ask an expert

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our finder.com Terms of Use and Privacy and Cookies Policy.
Go to site