Saint Louis Renters Insurance

Renters Insurance

Protection for Your Personal Belongings and Valuables

If you rent your residence, you may have wondered about protection for your personal property. Your landlord’s insurance covers your home’s structure, but not items that belong to you inside.

Renters insurance was created to offer similar coverage as home insurance. However, instead of the entire building being covered, it only covers your property within your rental unit. That includes any appliances you own, furniture, decorative items, housewares, clothing, electronics, children’s property, sporting goods, and the like.

Like with homeowners policies, renters insurance protects your belongings from both damage and theft. And in most cases, it protects against loss if you are away from home as well.

Full Coverage and Protection for Valuables

Most renters we serve in St. Louis, Missouri, select full value coverage for their policies. That gives them full replacement cost, with no depreciation due to use or wear and tear over time.

Ask us about coverage for valuables that might be excluded from a regular renters insurance policy. We can easily add scheduled coverage for a nominal fee for items such as:

Jewelry
Furs
Precious metals
Collectibles
Fine art
Antiques
Firearms

A renters insurance policy also provides liability coverage. If, for example, someone fell at your place and wound up with injuries requiring medical care, you wouldn’t have to pay out of pocket to reimburse them. Your renters insurance would cover the cost up to a certain amount. You can even add a personal umbrella policy to increase your liability coverage up to a million dollars or more, which is a smart move if you’re a dog owner or have a high net worth.

At Clayton Hanley Insurance we’re independent agents who enjoy tailoring insurance for our clients’ unique needs. If you take an inventory of your belongings with your mobile device, we can use that to determine how much coverage you need, and you’ll have it as a record if you ever need to file a claim.

Because we are insurance brokers we have a wider range of insurance projects available to us than big insurance companies. And we can work with your budget to find the perfect balance between your premium and your deductible.

Get in touch online for a quote or give us a call at Clayton Hanley Insurance 314-487-2921 to discuss your renters insurance policy. Don’t wait until it’s too late. Reach out today.