Renting in LA: lease, deposit and renters insurance

Leases are long, deposits high and the landlord always wants insurance. Here's what you're signing and what your rights are.

What you need to rent

Landlords ask for a credit score, proof of income (often 2.5–3× the rent) and references. Without US credit history: offer an employer letter, Dutch bank statements, a higher deposit or a few months' rent upfront. A cosigner with US credit also helps. Expect an application fee of $30–50 per person.

Deposit and tenant protection

Since July 2024, California deposits are capped at one month's rent (AB 12), furnished or not. You get it back within 21 days of moving out with an itemized statement. Take photos at move-in and move-out. The City of LA has rent stabilization (RSO) for many older buildings: capped increases and no eviction without cause. Ask whether your unit is under RSO.

Reading the lease

Standard is 12 months, then month-to-month. Check: who pays which utilities (water, trash, gas, electricity, internet)? Is there an early termination clause and what does it cost? Pet deposit and pet rent ($25–75 a month)? Parking included? Joint and several liability with roommates: each is liable for the whole. Use our Lease Checker to have a lease explained.

Anything promised verbally ('we'll replace the floor') must be in the lease or an addendum.

Renters insurance

Almost every landlord requires renters insurance: it covers your belongings (theft, fire, water damage) and your liability ($100,000+). Cost: $10–25 a month with Lemonade, State Farm or via your car insurer (bundle discount). Earthquake damage is separate (California Earthquake Authority); usually unnecessary for renters, unless you own valuables.

Problems with your landlord