ST. LOUIS RENTERS INSURANCE
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St. Louis Renters Insurance
Protect your property.
Just because you aren’t the owner of your current residence doesn’t mean you shouldn’t take out an insurance policy. Although your landlord has their own insurance, it doesn’t extend to your personal belongings. As an independent representative, McNeil Insurance Group connects you with comprehensive policies that don’t sacrifice affordability.
Why You Need Renters Insurance
It’s an Affordable Investment
Most renters insurance policies cost less than $300 a year while covering all of your possessions. If you so much as own a laptop and a television, your policy could pay for itself.
It Covers What Your Landlord Doesn’t
Clothing, furniture, electronics, and other important or high-value items aren’t covered by your landlord’s insurance policy. If there is a fire or a break-in, you’re out of luck unless you have insurance.
Many Landlords Require It
This is especially true of high-end rentals. While it is an additional expense, the ability to rent a nicer home or apartment is almost always worth it.
You Are Covered When You Travel
Typically, renters insurance covers your belongings no matter where they are. This includes when they are stolen from your hotel room halfway across the world.
Factors That Determine the Cost of Renters Insurance
Rental Location
Living in properties in flood-prone areas or that frequently experience tornadoes increases the cost of renters insurance.
Size of the Complex
Single-family homes and complexes with just a few units tend to increase the cost of renters insurance, while larger buildings with multiple units decrease it.
Your Belongings
The more items you have, and the higher their value, the more they will cost to insure.
Security Measures and Crime Level
The safer your building and neighborhood are, the lower the cost of your policy.
Your Credit
The better your credit, the lower the rates you have access to.
What McNeil Insurance Group Does for You
Renters insurance is pretty straightforward, but you still want to make sure you get the best deal possible. We serve as your guide to rental insurance and more, getting quotes from over 20 different companies for renters insurance or coverage bundles that save you money.