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California Renters Insurance Discounts

Save even more on affordable renters insurance with discounts available in California.

Already have a policy? Call 800-640-2920 so we can help you.

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Saving on Renters Insurance in California

It’s easy for California renters to earn discounts on their renters insurance policy. If you happen to live in a gated community or have some type of security feature in your home, such as fire alarms, and dead bolt locks installed on all entry doors, you’ll be eligible to get a discount.

In addition to the low renters insurance rates, Wawanesa offers great rates for auto insurance, learn more about the auto insurance discounts offered to California drivers.

Types of Renters Insurance Discounts

If you’re wondering how to get a renters insurance discount in California, you’ll be glad to know it’s really simple. For example, you can receive a discount just by having a fire or smoke alarm and a fire extinguisher in your home.

Learn about the features in your home that can help you get a discount on your renters insurance.

Residence Protection Device Discount

To receive this discount, you’ll need to have at least one type of protection or security device installed in your home. For example, a fire or smoke alarm will garner you a discount, but the more devices you have, the more you can reduce your premium. If your home has dead bolt locks installed on all entry doors and a fire extinguisher, your discount will be even bigger. To receive the maximum discount off your renters insurance, your home must have a burglar or fire alarm that reports directly to the fire, police, or a central monitoring department.

Gated Community or Secured Building Discount

If you’re a California renter, you can receive a premium discount for either of the following situations:

  • If you live in a gated community surrounded by a fence with all entrances locked or secured by a 24-hour manned security guard station or a key lock control.
  • If you to live in an apartment building or complex that’s secured by a locked common main entrance to the building.

If your home is protected by one of these two methods, you can receive a discount on your renters insurance policy.

Discounted California Renters Insurance with Wawanesa

When you buy a Wawanesa renters insurance policy, in addition to low rates and money-saving discounts, you’ll benefit from:

  • Award-winning customer service[1]
  • 24/7 fast and easy claims handling
  • Convenient policy management and online payments
  • Renters insurance coverage you can count on at home and when away from your residence

Get a quote today and see how much you could be saving.

Renters Insurance Discounts FAQs

Does Wawanesa offer renters insurance discounts in California?
Yes, California renters can benefit from two available discounts. The residence protection device discount and the gated community/secured building discount.
How do I ask for renters insurance discounts and get the best rates?
You can ask for renters insurance discounts two ways. Get a quote online and see the discounts that apply or call and speak with a Wawanesa agent at 800-640-2920, who can help you get all the discounts you’re eligible for.
Who qualifies for renters discounts?
Any renter in California can get discounts if they happen to have some type of security or protection device in their home, or if they live in a secured building or gated community.

Have more questions on renters insurance? Visit our FAQs page to find answers on common questions relating to coverage, making a claim, and more.

Renters Insurance FAQs


  1. Wawanesa Insurance received the highest score in California in the J.D. Power 2022, 2021, and 2020 U.S. Auto Insurance study of customers’ satisfaction with their auto insurance provider. Visit

Please note that this website provides only a summary of auto insurance to generally illustrate how auto insurance works. Your insurance policy is the legal contract containing the terms and limitations of your coverage. Any coverage provided by a Wawanesa General Insurance Company policy is subject to the terms, conditions, exclusions and endorsements of your insurance policy.

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