Top O' Michigan Insurance Solutions

Renters Insurance

Don’t wait until it’s too late to start thinking about renters insurance.

We spend a lot of time and energy filling our living spaces with items that make it feel like home—it only takes one unexpected event to have it all stripped away. Renters insurance can give you peace of mind knowing that you and all of your belongings are covered. While policies can vary, most offer coverage for the following:

  • Personal property coverage: This helps cover the costs to repair or replace belongings that are damaged or stolen due to a loss covered under your policy. Furniture, electronics and clothing can all be covered under personal property coverage. Although landlords typically have a form of property insurance, their policy does not usually cover any personal property within your living space.
    • A renters insurance policy is intended to help safe guard you from losses to your personal property but this can often times be a challenge because you will need to estimate:
      • The cost to replace the contents of your home.  Using a Home Inventory Checklist can provide you with a better idea of what you have on hand. This can often times be under-estimated because items such as groceries, toiletries or even "hand-me-down" furniture can be undervalued.
  • Additional living expenses: If the apartment or home you’re renting becomes uninhabitable, your renters insurance policy can pay for your relocation costs as well as anything considered an extra expense under the policy—such as laundry, meal or storage-related costs.
  • Personal liability coverage: If someone is injured or their personal items are damaged on your rented property due to negligence, personal liability coverage can help pay any medical bills or damages, up to your policy limit.
Additional Coverages to Consider

Renters insurance is there to not only protect the belongings in your home, but so much more.

'Get a Quote' to protect your personal belongings and liability with a renters insurance solution!

Top Ways to Save On Your Premium

  • Consider raising your deductible.
  • Invest in a home security system.
  • Update exterior locks to dead bolts.
  • Install smoke alarms.
  • Select an automatic payment method
  • Monitor your credit rating.
  • Ask about our multi-policy discounts

Renters Insurance Myths

There are so many misconceptions when it comes to what renters insurance is and what it covers. Here are some common myths about renters insurance:

1.) "I don’t have enough stuff to get renters insurance."

  • Things add up fast! Your electronics, appliances, clothes and even food are all large expenses that can be protected under your policy. 
  • Often times, people forget the cost to replace items like toiletries, kitchen supplies, 

2.) "Personal belongings are the only things covered under renters insurance."

  • Renters insurance can also cover damage to someone’s property within your home.
  • And, depending on the limits of your liability coverage, it can cover some or all of the medical expenses if someone happens to get injured on your property.

3.) "I can’t afford renters insurance."

  • Renters insurance can be incredibly affordable. Although pricing can always vary, some policies can cost as little as a couple cups of coffee each month. 
  • Plus, it can provide a multipolicy discount on your auto insurance. This can often times cover the annual cost of renters insurance.

4.) "My landlord’s insurance will cover the damages to my belongings."

  • Typically, a landlord’s insurance policy will only cover the building, not anything that’s within your walls or another tenant’s. They don't really share an insurable interest in that.
  • What if you have an expensive item such as jewelry, firearms, or collectibles? Those should be scheduled on your renters policy as well.
  • Keep in mind, they most likely won't cover any personal liability of yours either.

Our Locations

514 N Ripley Blvd
Alpena, MI 49707

 Local: (989) 356-6133

150 State St
Hillman, MI 49746

Local: (989) 742-4574

117 S State St
Oscoda, MI 48750

Local: (989) 739-1461

Traverse City
3183 Logan Valley Rd
Traverse City, MI 49684

Local: (231) 947-1164

Iron River
117 W Genesee St, Ste 1
Iron River, MI 49935

Local: (906) 265-5137

1170 Bay View Rd, Ste B
Petoskey, MI 49770

Local: (231) 347-4610

440 W Main St, Ste F
Gaylord, MI 49735-1401

Local: (989) 705-8664