Renters Insurance

Protect Your Possessions Even If You Do Not Own a Home.


You might think that your landlord’s insurance will cover your personal belongings from fire, theft and other perils. Think again. Your landlord’s insurance only protects what the landlord, owns. You are responsible the things you own.

How does renters insurance work?

Purchasing renters insurance is a way to protect your personal belongings such as your furniture, clothes, electronics and other items. You can also get special coverage for jewelry, furs, collections and guns. Renters insurance will also allow coverage for additional living experience. For example: if the apartment you were living in burned, your renters policy could provide coverage for you to rent a motel room or another apartment up to the limit the policy allows for additional living experience. Renters insurance can also protect you in case of a law suit. Suppose your dog got loose and bit someone. Your renters policy would cover the injured person and protect you if they tried to sue you. The renters policy would also cover visitors medical expense. For example: if your child had a friend over and the friend broke his arm while playing with your child, the renters policy would cover the friend’s medical experience.

Is It Affordable?

Our renters policies average less than $17 a month. They can be more or less depending on the amount of insurance you purchase.
A May 2013 Insurance Information Institute poll conducted by ORC International found that 96% of homeowners had homeowners insurance. Among renters, only 35 percent said they had renters insurance. It’s scary to think what will happen to a family if their belongings are destroyed by fire or the apartment becomes unlivable because of a tornado.
To get your quote started, fill out the form on this page and we’ll be sure and get back with you. Questions? Give us a call 903-378-7300 or email Glenn Lee