Renters Insurance

Whether you’re renting an apartment, a condo, or a house in Michigan, you need to know that you’re protected. The landlord’s insurance won’t cover everything, which is why you need renters insurance. At Gardner and Gardner Insurance Agency, we can find a policy that works for you.

What does renters insurance offer?

Renting means that you’re only in a home temporarily. The house doesn’t belong to you, so the structure itself is being protected by the owner. However, everything inside of the home is yours – and that’s where you need to consider getting a policy that offers sufficient protection.

Renters insurance offers you the ability to protect all of your personal items in Michigan. You’d be covered in several scenarios:

  • Theft
  • Fire
  • Storm
  • Damage from a neighboring unit

Since you never know what could happen, it’s best to find reliable coverage, so you know you’re always sufficiently protected.

How to Build the Right Renters Policy

As you start to shop for renter’s insurance, it’s important to consider what the requirements are. Many landlords and apartment complexes will dictate some basic requirements. This includes a minimum level of coverage and naming them on the policy. You may also have to show proof of coverage.

Even beyond what a landlord requires, you’ll want to look at the scenarios you’re covered against. If you live in an area of Michigan where there are a lot of snowstorms, break-ins, or other issues, be sure your policy includes everything you could experience.

Further, if you have several high-value items, such as jewelry or collectibles, it may be advantageous to increase the value of your policy.

With the help of our independent agents, we can customize a policy that offers you plenty of financial protection. Start exploring renter’s insurance with the help of our agents today. Call us at Gardner and Gardner Insurance Agency to learn how we can answer your questions and help you with a policy.