How Much Does Renters Insurance Cost in Pasadena, CA?
Pasadena pricing is 38% above the national average. Updated for 2026.
Based on local labor rates, varied climate conditions, and Pasadena's diversified economy.See our methodology
Renters Insurance Pricing in Pasadena, CA
Pasadena is a high-cost market where renters insurance runs about 38% above the national average. The city's diversified economy supports higher wages, which translates to elevated contractor rates. With a population of 140K, competition among providers exists but demand keeps prices firm.
Local climate plays a direct role in renters insurance costs here. Varied climate depending on location; earthquake considerations in some areas.
Market-specific factors matter in Pasadena: higher cost of living in coastal areas; more affordable inland.
Pasadena has moderate permitting requirements. Depending on the scope of your renters insurance project, you may need local permits. A licensed contractor will handle the permitting process as part of the job in most cases.
Pasadena vs National Average
What Affects Renters Insurance Cost in Pasadena?
Coverage
$20K: $10-$15/mo; $50K: $20-$35/mo
Location
High-crime adds 50-100%
Deductible
$500 vs $1,000 saves $3-$8/mo
Pasadena Market Conditions
higher cost of living in coastal areas; more affordable inland
Local Climate Impact
varied climate depending on location; earthquake considerations in some areas
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Top-Rated Renters Insurance Pros in Pasadena, CA
6 providersHeritage Property Services
⭐ PREMIUMServing Pasadena and surrounding areas since 2021. Licensed, insured, and committed to quality workmanship at fair prices.
Quality Contractors
⭐ PREMIUMServing Pasadena and surrounding areas since 2015. Licensed, insured, and committed to quality workmanship at fair prices.
Summit HVAC Solutions
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Tips to Save on Renters Insurance in Pasadena
- 1.Bundle with auto for 10-20% discount
- 2.Increase deductible to $1,000
- 3.Create home inventory
- 4.Actual cash value is cheaper
📈 Renters Insurance in Pasadena Cost Trends (2020–2024)
Prices have increased +21.7% over the last 5 years
| Year | National Avg | YoY Change |
|---|---|---|
| 2020 | $23 | — |
| 2021 | $24 | +4.3% |
| 2022 | $26 | +8.3% |
| 2023 | $27 | +3.8% |
| 2024 | $28 | +3.7% |
Based on national averages adjusted for annual inflation. Actual costs vary by location and project scope.
💬 What Did You Pay?
Real costs reported by homeowners for Renters Insurance in Pasadena
Recent Reports
Frequently Asked Questions
How much?
$15-$30/month on average.
What is covered?
Personal property, liability, additional living expenses.
Why does renters insurance cost different in Pasadena than other cities?
Pasadena's costs reflect local labor rates driven by the diversified economy, varied climate conditions that affect materials and scheduling, and moderate permitting requirements. The balanced labor market also influences competitive pricing.
Renters Insurance Cost in Nearby Cities
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