Renters insurance for Clinton and the Quad Cities

What it covers

Renters coverage replaces what you own, and it follows your belongings out the door: a laptop stolen from your car or a suitcase lost on a trip is usually covered the same as something taken from the apartment. Liability protects you if a guest is hurt in your place or a fire you started spreads to the unit next door. Loss of use pays for a hotel or a short-term rental if a covered loss makes your home unlivable for a while.

• Personal property, on and off the premises
• Personal liability
• Temporary housing after a covered loss
• Replacement-cost option instead of depreciated value
• Bundle discounts with your auto policy

Who it's for

Anyone with a lease: an apartment in Clinton, a duplex in Fulton, a house you rent while you save for one of your own, or a student living off campus. Many landlords now require it, and even when they do not, it is one of the best values in insurance. Protect your stuff for roughly the cost of a couple of coffees a month.

Why quote it with an independent agent

Renters coverage is one of the best values in insurance, and it often qualifies you for a discount on your auto policy, so the net cost can be very small. We quote it alongside the car so you can see the combined number, and when you buy a home later, the policy converts without a gap.

Good to know

Replacement cost is the option worth asking about. On an actual cash value policy, a five-year-old laptop pays out at its depreciated worth; on replacement cost, it pays what a comparable new one costs. The premium difference is small. Standard policies also carry sub-limits on categories like jewelry, firearms, and electronics, so anything valuable should be listed and scheduled.

A ten-minute walk through the apartment with your phone's camera is the best inventory you will ever make, and it is what makes a claim go smoothly. Roommates who are not related generally each need their own policy; one lease does not cover both sets of belongings. If you already have a car insured with us, ask for the bundle price, because the renters policy often nearly pays for itself in the auto discount.

What to bring for a quote

• The address you are renting
• A rough list of what you own and what it would cost to replace
• Whether you want replacement cost or actual cash value
• Your auto policy details, so we can quote the bundle
• Any coverage amount your landlord requires

Start online and we will follow up for anything we still need. Start your renters quote, or call (563) 242-4000.