Renters Insurance That Covers What You Own
Renters insurance is one of the most affordable—and often overlooked—ways to protect yourself and your belongings. Whether you're renting an apartment in Marion or a house in Carterville, your landlord's policy won’t cover your personal items or liability. We help tenants across Southern Illinois choose renters insurance that fits their lifestyle, covering everything from electronics and furniture to temporary housing if disaster strikes.
What Does Renters Insurance Cover?
Renters insurance generally includes personal property coverage, personal liability, and loss of use. This means if there’s a fire, theft, or other covered event, you can replace your belongings and have a place to stay while repairs are made. It also protects you financially if someone is injured in your rental or you accidentally cause damage to someone else's property. Our team walks you through policy limits, deductible choices, and optional endorsements to make sure you’re covered, not overpaying.
Protection That Makes Sense for Renters
Renters insurance isn’t just about replacing what you lose. It’s about knowing you won’t be alone if the unexpected happens. We tailor policies to your lifestyle, budget, and lease requirements.
Key Benefits We Include
Personal Property Coverage
Whether it’s your couch, your TV, or the contents of your closet — renters insurance can reimburse you for covered losses.
Liability Protection
If a visitor slips and falls in your kitchen or your pet causes damage to someone else’s property, this helps cover legal and medical costs.
Loss of Use (Temporary Living Expenses)
If your rental becomes uninhabitable, your policy can help pay for a hotel or temporary housing while repairs are made.
Renters Insurance FAQs
Is renters insurance required by my landlord?
Some landlords require it, but even if they don’t, it’s one of the smartest and most affordable ways to protect yourself.
Will my roommate’s renters policy cover me?
No — each tenant usually needs their own policy unless both names are on the lease and the policy includes both parties.
Is renters insurance expensive?
It’s typically very affordable. Most renters pay between $10 and $25 per month, depending on the amount of coverage.
Does it cover my things when I travel?
Yes. Most policies cover your belongings even when you’re not at home — like a laptop stolen from your car or items in a storage unit.