Your local independent agents are ready to help you find the coverage that suits you best.

Many renters don’t realize their personal possessions inside an apartment or rental home are not covered by the landlord’s insurance policy. From burglary and pipe bursts to smoke damage and vandalism, when the unthinkable happens, make sure you’re covered.

Your independent agent can help you choose the right coverage, so you will be certain that you’re protected. At Auto-Owners, we offer competitive rates and coverages that can be tailored to your specific needs. Find your local independent agent representing Auto-Owners today!

Fact: 64% of renters surveyed said they don’t have renters insurance.*

* Survey performed by the Independent Insurance Agents & Brokers of America.


Personal Property Coverage

Your personal possessions are covered anywhere in the world.

Personal Liability Coverage

Provides coverage for incidents occurring anywhere in the world and protects against lawsuits for which you may become liable.

Medical Payments to Others

Coverage for others who are injured at your residence.

Additional Living Expenses

Payments for expenses if you are unable to stay in your rental property after a covered loss.

Optional Coverages

Renters Plus

Covers refrigerated products, water back-up of sewers or drains, waterbed liability coverage and waives the glass deductible. A coverage example would be if you lose power and a refrigerator full of food spoils, you’re covered for up to $750.

Personal Property Replacement Cost

Covers repair or replacement of your personal property without a deduction for depreciation.

Ways to Save

At Auto-Owners, we think that quality renters insurance shouldn’t break the bank. Check out the following discounts that will help you save big.

Multi-Policy Discount

Receive premium savings when you have other qualifying policies with Auto-Owners.

Life Multi-Policy Discount

Receive premium savings when you have a qualifying life insurance policy with Auto-Owners.

Payment History

You may qualify for a discount if you have paid your premiums on time in the past 36 months.

Paid-in-Full Discount

Save more if you pay your annual policy premium in full and on time.

Green Discount

When you enroll in paperless billing and pay your policy premiums online, you may qualify for this discount.

Advance Quote

A discount is available for new applicants who request a premium quote prior to the effective date of the policy.

Protective Devices Discount

If you have protective devices such as smoke detectors, deadbolt locks and fire extinguishers, you may be eligible for this discount.


Assuming some of the risk yourself by choosing a higher deductible may reduce your policy premium.

Favorable Loss History

Receive a lower premium for favorable loss history.

Hurricane/Wind Mitigation Discounts

You may be eligible to receive a discount if your property has construction features that help protect your home from wind damage caused by major storms.*

How do I get a quote?

We offer our insurance products through independent agents because of the many advantages they offer you. Use our Agency Locator to find an independent insurance agent near you to get a quote. 

Contact an Agent