Affordable insurance starts with an easy quote
Renters Insurance is a low-cost policy that protects tenants living in apartments, condos, or rented homes. While your landlord ensures the building, their policy does not cover your personal belongings or your liability. This coverage ensures that if a fire destroys your apartment or someone slips in your kitchen, you aren’t left with the bill.
A common myth is that “the landlord covers everything.” This is false. If a pipe bursts and ruins your electronics, the landlord fixes the pipe, but you replace the electronics. According to the Insurance Information Institute, nearly 95% of homeowners are insured, but less than half of renters have coverage. Without it, you are one theft or kitchen fire away from losing all your possessions with no recourse.
We provide packages that protect your stuff, your liability, and your place to sleep.
Most direct quotes only cover the basics in the left column. We shop multiple carriers to secure the critical add-ons in the right column that actually protect your livelihood.
| Risk Area | Landlord’s Policy | Renters Policy |
|---|---|---|
| The Building Structure | ✔ Covered | ✖ Excluded |
| Your Furniture/Clothes | ✖ Excluded | ✔ Covered |
| Your Liability Lawsuits | ✖ Excluded | ✔ Covered |
| Hotel Costs (during repairs) | ✖ Excluded | ✔ Covered |
“How much does renters insurance cost?” It is one of the most affordable insurance products available.
Even for simple policies, choice matters. “Independent Means Multiple Choices” helps you find carriers that offer specific endorsements for electronics or jewelry.
Headquartered in Overland Park, KS and serving clients across multiple states, our team provides straightforward guidance to help you make informed insurance decisions.
If you’re comparing insurance options or reassessing your current coverage, we’ll help you evaluate what you have, identify potential gaps, and find a path forward that makes sense for your situation.
Headquartered in Overland Park, KS, with licensed support across the Midwest, South, Northeast, and West.
Hover, tap, or click a licensed state to see where we can help with coverage.
Meet the people who make coverage guidance feel clearer, faster, and more personal.
Use the arrows or swipe to browse the team.
1 of 2
Experience the confidence shared by the professionals we protect, and let us turn these options into a clear, comprehensive protection plan for you.
We’re here to help you explore your coverage options tailored to your needs.
Request Quote
Have specific questions? Our independent agents are ready to assist you directly.
Our team has the skills, experience, and readiness to help our customers.
We value getting to know our customers and helping them make their insurance dreams a reality.
We love to learn more to help our customers make the insurance process easier.
