Lemonade Renters Insurance in San Bernardino, CA
Renting near Downtown? Protect your stuff with Lemonade renters insurance in San Bernardino from just $10/month.
What does Lemonade renters insurance in San Bernardino protect against?
Renters insurance protects your stuff against several potential damages (or “perils” in insurance speak). Here’s a closer look at what is (and isn’t) covered:
- Fire & smoke damage
- Theft & break-ins
- Clothes & shoes
- Jewelry & watches
- Your laptop & electronics
- Books & collections
- Wind & hail damage
- Art & musical instruments
- Kitchen appliances & gadgets
- Furniture & home decor
- Sports equipment & bikes
- Water damage from burst pipes
Not covered: floods, normal wear & tear, your roommate’s stuff, or getting mad at the Lakers & punching your TV.
What does renters insurance cover in San Bernardino?
It’s not just about your stuff, renters insurance also covers:
Personal liability
Someone slips at your pool party? We’ve got the medical bills and potential lawsuits covered
Loss of use
Burst pipe makes your place unlivable? We’ll cover hotel costs above what you normally spend
Medical payments
Guest cuts themselves on broken glass? We’ll handle the cost of their ER visit
Want to learn more about what renters insurance covers (and what it doesn’t)? Check our coverage guide.
How much does renters insurance cost in San Bernardino?
As of 2025, Lemonade renters insurance in San Bernardino typically averages between $10 and $15 per month. Factors like your location, how much coverage you select, and your deductible determine how much you’ll pay.
Customers love Lemonade Renters insurance
Our customers rate Lemonade renters insurance 4.9 on Trustpilot. Don’t just take our word for it, check out what they’re saying.
How does Lemonade protect San Bernardino renters?
Protection built for coastal life and city risks
Earthquake protection
The Lemonade Earthquake Endorsement protects your belongings when the ground shakes
Protection against theft
We'll cover your electronics whether it's a break-in or grab-and-go
Wildfire displacement
Evacuation keeping you out of your place? We've got you covered
How much renters insurance do you need in San Bernardino?
The right amount depends on what you own and your lifestyle.
Here’s how to calculate what you need.
Personal property coverage
You can choose anywhere from $10,000 to $250,000 in coverage. Walk through your San Bernardino rental and add up what it would cost to replace everything: furniture, electronics, clothes, kitchen items, and personal belongings. That sum should be your personal property coverage limit.
Read moreLoss of use coverage
Coverage ranges from $3,000 to $200,000. Think about how much you’d spend on temporary housing, meals, and other expenses if your rental became unlivable due to covered damage. Spending just one week in a San Bernardino hotel will run you $1,174*, so factor in your local costs.
Read morePersonal liability coverage
Lemonade’s standard $100,000 covers medical bills and legal fees if someone gets hurt in your rental or if you accidentally damage someone else’s property. Your landlord will probably specify how much you need, so pay attention to your lease requirements.
Read moreHow to save on renters insurance rates
Renters insurance is generally quite affordable, but there are still some ways you can save
Bundle
Combine renters with car or pet insurance for instant multi‐policy discounts. (Plus, you can manage your policies in one place)
Pay in full
Pay your full premium upfront to avoid monthly fees and earn up to a 5% annual payment discount.
Security devices
Fire alarms and security systems can lower your rate. Check what safety features your rental has, you might already qualify.
Who needs renters insurance in San Bernardino?
Renters insurance is one of the smartest investments any renter can make. Here’s how a handful of San Bernardino residents benefit from coverage:
CSUSB students
College is expensive enough without replacing stolen laptops or textbooks. Your landlord’s insurance won’t cover your belongings, but renters insurance will. Plus, you’re covered if someone gets injured during study sessions at your place.
Logistics workers
Working in San Bernardino’s massive distribution centers and logistics hubs means shift work and physical demands. Renters insurance protects your belongings while you’re away on long warehouse shifts, covering theft, fire damage, and more. Plus, liability coverage protects you when coworkers visit after work.
Young professionals
Your laptop, furniture, and professional wardrobe are investments in building your career in the Inland Empire. Renters insurance protects them from theft, water damage from upstairs neighbors, and covers liability if someone gets hurt in your space. For less than your monthly gas budget for LA commutes, you’re protected.
LA commuters
Living in San Bernardino for affordable rent while working in Los Angeles means long commute days. Renters insurance protects your belongings while you’re away for 10+ hour workdays, covering theft, fire damage, and more. Plus, liability coverage protects you when you finally get home and host friends.
Remote workers
San Bernardino’s affordable cost of living makes it attractive for remote workers escaping LA and OC prices. Renters insurance covers your personal electronics and home office furniture whether you’re renting downtown or in the foothills. Many policies even include temporary housing coverage to keep your setup uninterrupted.
What’s the best renters insurance in San Bernardino?
We might be biased, but Lemonade was designed to shine for San Bernardino renters
All in the app
Get a quote, manage your policy, and file claims all from your phone
Coverage for you
Pick exactly what you need. No cookie-cutter policies
Claims paid fast
Most claims get handled in minutes, not weeks
San Bernardino Renters: By the Numbers
Real data from our customers:
San Bernardino Renters Insurance FAQs
What's the average cost of rent in San Bernardino?
According to Zumper*, the average cost of rent in San Bernardino is $1,900. However, the average cost of rent varies widely depending on where you live, and the type of home your renting. Here’s a look at how the average cost of rent changes in San Bernardino based on your property type:
- Apartment: $1,675
- Condo: $1,997
- House: $2,695
How does renters insurance work in San Bernardino?
Lemonade harnesses the power of tech to make the process of filing a renters insurance claim, and getting reimbursed, stress-free. Here’s how the renters insurance claims process works for San Bernardino residents:
- Document damage: When disaster strikes in San Bernardino, make sure to take clear photos or videos of any damage to your belongings, this documentation will help support your claim.
- File a claim: Open the Lemonade app and file your claim in minutes by chatting with AI Jim and providing the necessary details about your loss or damage.
- Get reimbursed: For eligible claims, receive your money directly in your bank account.
What information do I need to get a renters insurance quote?
Getting a renters insurance quote takes just a few minutes. You’ll need:
- Your rental address and move—in date
- An estimate of what your belongings are worth
- Your preferred deductible amount
- Basic details about your rental (apartment, house, or condo)
- Any security features like fire alarms or security systems
Most quotes take under 5 minutes, and you can adjust your coverage anytime through the Lemonade app.
Does renters insurance protect me during wildfires in San Bernardino?
Yes, wildfire damage is covered under San Bernardino renters insurance, including your personal property and additional living expenses. If a fire destroys your belongings or forces you to evacuate to temporary housing like a hotel, you’re protected. This coverage is crucial for San Bernardino renters, as 58% of properties in the city face wildfire risk over the next 30 years according to climate data.
Is my outdoor gear covered during camping trips to nearby mountains?
Yes, your camping equipment, hiking gear, and outdoor supplies are covered under personal property coverage. Whether stored in your rental or stolen while camping in the San Bernardino National Forest, your gear is protected against covered perils.
All coverage is subject to individual policy limits, terms, and conditions. Certain items mentioned in this article, including electronics, jewelry and watches, art and musical instruments, and some collections, are subject to sub—limits under standard renters insurance policies and may need to be scheduled separately for full protection. Any hypothetical examples used in Lemonade editorial content are purely expositional. Hypothetical examples do not alter or bind Lemonade to any application of your insurance policy to the particular facts and circumstances of any actual claim. The costs shown in this article are based on internal Lemonade data as of January, 2025. Claims data is sourced from internal Lemonade data as of August 2025. Average costs of hotel stays sourced from https://www.budgetyourtrip.com/search.php. Average cost of rent sourced from Zumper as of August 2025 https://www.zumper.com/
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