Your landlord's policy protects the building, not your belongings, your liability, or your living expenses if something goes wrong. Renters insurance is more affordable than most people think.
Every policy is built around your situation. We review what you have, find the gaps, and make sure you’re protected before you need to file a claim.
Replaces or repairs your belongings, furniture, electronics, clothing, appliances, if they're stolen or destroyed by fire, vandalism, or other covered events.
Protects you if a guest is injured in your apartment or if you accidentally damage someone else's property. Covers legal costs too.
Pays for minor injuries to guests in your home, regardless of fault, helping avoid small claims that could lead to lawsuits.
If your rental becomes uninhabitable after a fire or other covered loss, this pays for hotel stays, meals, and other temporary living costs.
Add-on coverage that helps cover the costs of restoring your identity if your personal information is stolen or compromised.
Optional coverage for sudden mechanical or electrical breakdown of your appliances, refrigerators, washers, dryers, beyond normal wear and tear.
Renters insurance is typically $15–30/month, one of the most affordable types of coverage available. Adding it to your auto policy as a bundle can reduce that cost even further with a multi-policy discount.
No. Renters insurance covers your personal property inside your home and your personal liability, not your vehicle. You need a separate auto policy for your car.
Yes, personal property coverage typically extends beyond your apartment walls. If your laptop is stolen from your car or your bike is taken while locked outside, your renters policy may help cover the loss.
Many landlords in the St. Louis area now require renters insurance as a condition of your lease. Even if they don't, it's one of the best values in insurance, protecting thousands of dollars in belongings for the cost of a few coffees a month.
Standard renters policies don't cover flood damage, earthquake damage, or pest infestations. High-value items like jewelry, art, and collectibles may need separate scheduling. We review your full situation to make sure nothing important is left uncovered.
Most policies have gaps. We find them before a claim does. Get a free, no-obligation review from Hill Agency & Associates.
This information represents only a brief description of coverages, is not part of your policy, and is not a promise or guarantee of coverage. Insurance policy terms and conditions may apply. Exclusions may apply to policies, endorsements, or riders. Coverage may vary by state and may be subject to change. Some products are not available in every state. Please read your policy and contact your agent for assistance. Products underwritten by American Family Mutual Insurance Company, S.I. and its Operating Companies.
