Renters Insurance in Missouri

Renter's insurance offers you a world of protection for your belongings and with guests in your home. Insurance provides protection beyond what your landlord's policy covers. Common areas of coverage include:

• Personal Property Coverage: Protects your belongings, like furniture, electronics, clothes, and appliances, from fire, theft, vandalism, and other covered incidents.
• Liability Coverage: Covers legal costs and medical expenses if you accidentally cause injury to someone or damage their property inside or outside your rental unit.
• Additional Living Expenses: Helps with temporary housing costs if your rental becomes uninhabitable due to a covered disaster.

Why Might a Landlord Require Renters Insurance?

Some landlords require renters' insurance as part of the lease agreement to protect themselves and their property. While a landlord's policy typically covers the building itself, it doesn't extend to your personal belongings or liability risks. Renters' insurance ensures landlords aren't liable for damages to your possessions and protects you from financial loss should unexpected events occur.

Frequently Asked Questions About Renters Insurance

Does renters insurance cover floods? Flood damage is typically excluded under standard policies, but can be added as an extra endorsement.

Will renters insurance cover roommates' belongings? No, each roommate needs their own renters insurance policy to protect their possessions.

How much coverage do I need? Calculate the value of your belongings and consider liability risks to determine an appropriate coverage amount.

Is renters insurance expensive? Renters insurance is often very affordable and provides significant value by protecting your possessions and liability.

Contact Morehead Agency for Renters Insurance

Ready to explore renters' insurance options? Morehead Agency in Lee's Summit, MO is here to assist residents across Missouri with personalized policies. Visit our Contact Us page today to speak with an agent and learn more about protecting your rental home or apartment.