Personal property
Furniture, electronics, clothing and kitchen gear, covered against fire, theft, smoke, windstorm and more, wherever they are in the world.
Personal lines
Renters insurance
Belongings, liability and temporary living costs for apartments and rental houses, often for less than a streaming bundle.
Sample: from $14/mo14 carriers shoppedNo agency fee
Overview
What renters insurance is really for
Your landlord's policy covers the building. It does not cover your laptop, your bike, your clothes, or the guest who trips on your rug. Renters insurance is the least expensive policy we write and the one tenants most often skip.
Most Kansas City leases now require at least $100,000 of liability. We can usually issue proof of coverage the same day you ask, which matters when a leasing office is holding your move-in date.
What the policy includes
The coverages we build into every quote, plus the endorsements that matter in this metro.
Personal liability
Legal defense and damages if someone is hurt in your unit or you damage the building, for example a bathtub overflow that reaches the apartment below.
Loss of use
Pays for a hotel and meals while your unit is repaired after a covered loss.
Medical payments to others
Small no-fault medical coverage for guests, which quietly prevents a lot of lawsuits.
Scheduled valuables
Engagement rings, cameras and instruments listed individually so theft is covered without the standard sublimit.
Replacement cost contents
Settles claims at what it costs to rebuy today, not the depreciated value of the sofa you bought in 2018.
How we place it
Four steps from your current policy to a better-fitting one.
- 1
Estimate your contents
Walk each room and add it up. Most one-bedroom apartments land between $20,000 and $30,000.
- 2
Pick a liability limit
We start at $300,000 because the cost difference from $100,000 is usually a few dollars a month.
- 3
Add your landlord
We list the leasing office as an interested party so their compliance system stops emailing you.
- 4
Bundle with auto
Adding renters to an auto policy often reduces the combined price by more than the renters policy costs.
Why clients choose us for this
- Same-day proof of insurance for leasing offices
- Covers belongings while traveling or in storage
- Liability protection that follows you, not the address
- Bundling frequently makes it close to free alongside auto
What moves the price
- Contents limit
- How much stuff you are insuring is the main price driver.
- Deductible
- Usually $500 or $1,000. The difference is small; pick what you could cover tomorrow.
- Building and location
- Age, construction type, sprinklers and the ZIP code's theft and weather history.
- Pets
- Some breeds restrict liability coverage at certain carriers. We know which carriers are flexible.
Often written alongside
Coverages that overlap with this one, or fill the gap it leaves.
All coverage
Auto insuranceLiability, collision and uninsured motorist coverage written for how Missouri and Kansas drivers actually commute.
Condo insuranceHO-6 coverage that fills the gap between your association's master policy and what you actually own.
Life insuranceTerm, whole life and final expense policies sized with a real needs calculation instead of a round number.Renters insurance questions
If your question is not here, call the office. You will reach a licensed agent in Kansas City, not a queue.
No. Unless you are both named on the same policy, their coverage protects their property and their liability only. Separate policies are usually cheaper anyway.
Typically yes, though most policies apply a sublimit for property away from the residence. We will tell you the number for your policy.
Items stolen from inside your car are covered by renters insurance. Damage to the car itself is an auto comprehensive claim.
Usually the same business day, and often within an hour during office hours.
Get this quoted properly
Send us your current declarations page and we will shop fourteen carriers, then tell you plainly whether moving is worth it.
No fee for our work. No obligation to switch. Usually a same-day written comparison.