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Renters Insurance in Columbia, MO

Protect your personal property, your liability, and your peace of mind — even as a renter. We'll find coverage that fits your lifestyle and budget.

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What Is Renters Insurance?

You have a lot of things that are important to you — from your clothes and furniture to your sound system, sports gear, and computer. And you want to feel confident that everything you've worked for is not at risk.

Let Insurance Plus help you find coverage options that protect you, your family, and your personal property. Let us help make sure you're properly covered with a renters insurance policy tailored to your needs.

Your renters policy covers your personal property against theft or damage subject to the limits and deductibles you select. The coverage applies even when you are away from home.

What You Need to Know

For a small additional premium, you can choose to carry full value coverage on your personal property, which ensures that you will be paid the full replacement cost of items that are damaged or stolen without deduction for depreciation.

Protect Yourself and Your Guests

Your renters insurance policy also protects you and your family against certain bodily injury and property damage claims for which you are liable. Legal defense is also provided in the event you are sued after a covered loss, subject to the limits you have selected.

In addition, you can select medical payments coverage which will pay for medical expenses incurred by a visitor who is injured at your residence regardless of fault. Various limits are available. Let us help you find the right amount of coverage to suit your insurance needs.

The Right Coverage, The Right Price

Renters insurance is surprisingly affordable. For a small monthly premium, you can protect thousands of dollars worth of personal property and gain valuable liability coverage. Insurance Plus compares options across multiple carriers to find you the best value.

Call or contact our office today to get started. Either way, we'll make the process easy!

What's Typically Covered

Personal property protection (theft & damage)
Full replacement cost coverage option
Personal liability protection
Medical payments to guests
Loss of use / additional living expenses
Off-premises coverage for belongings
Identity theft protection (endorsement)
Water backup coverage (endorsement)

Why Choose Insurance Plus?

Multiple Carriers

We compare options across our carrier network so you get the best coverage at the best price.

Personal Service

A dedicated advisor who knows your family and your policies — not a call center.

Claims Support

We advocate for you during the claims process from start to finish.

Frequently Asked Questions

Renters insurance is very affordable, typically ranging from $15 to $30 per month depending on your location, coverage limits, and deductible. Insurance Plus compares options across multiple carriers to find you the best rate.
No. Each renter typically needs their own policy. Your roommate should purchase a separate renters insurance policy to cover their personal property.
Actual cash value factors in depreciation, meaning you'd receive less for older items. Replacement cost coverage pays to replace your items at current prices, which we generally recommend for better protection.
No. Standard renters insurance does not cover flood damage. You'll need a separate flood insurance policy for that protection.
Yes. Renters insurance typically covers your personal property even when it's away from your home, including items stolen from your vehicle.

Protect What Matters Most

Get a personalized insurance review from our Columbia, MO team.