Renters Insurance
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.
Coverages
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
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.
Deductibles
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.
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.
This material is intended as a general guide or primer only and analysis of coverage is in general terms for the sake of simplicity and understanding. Any of the content provided on this webpage is superseded in all respects by the Insuring Agreements, Endorsements, Exclusions, Terms and Conditions of the Policy. The material on this webpage is not an exhaustive list of the coverages available. Some of the coverage mentioned in this material may not be applicable in all states or may have to be modified to conform to applicable state law. Some coverages may have been eliminated or modified since the posting of this material.