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2024

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Best Renter's Insurance Companies in Decatur

Our Recommended Top 5

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Decatur Renter's Insurance Companies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

31Reviewed

20Curated

5Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
2605 N Main St., Decatur, IL 62526
  • Multiple Policy Types

Why choose this provider?

Carole Brooker is a State Farm agent who offers renters' insurance in the Decatur metro. The policy covers personal property inside and outside of the apartment or other homes that the customer may rent. She offers a long list of products such as life, health, business, home, pet, and auto insurance. She also offers banking products. Brooker has been in the insurance business for over 25 years. She has made it her mission to help customers recover from unexpected losses and secure their future.

License Verified:

License: 2160682

Illinois Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.2
Google
4.9 / 5 (24)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
2805 N Jasper Street, Decatur, IL 62526
  • Multiple Policy Types

Why choose this provider?

The Floyd Insurance Agency is a second-generation-owned independent company serving the Decatur community since 1970. It helps tenants protect their personal belongings by offering renters' insurance coverage options. The policy covers repairs, replacement of lost items, and liability issues involving rental homes and apartments. Its team of agents partners with multiple insurance carriers to provide tailored insurance plans, including Hagerty, Progressive, and Travelers. The agency also offers life, health, and business insurance.

License Verified:

License: 3000808245

Illinois Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (8)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
1.3
Responsiveness
Friendliness
––
Helpfulness
Detail

Website
106 E. Main St., Arcola, IL 61910
  • Multiple Carriers
  • Multiple Policy Types

Why choose this provider?

Serving Decatur and the nearby locations, Dimond Bros. is a company that offers renters' insurance plans. The firm helps clients have coverage for their personal belongings in the event of theft, fire, water and electrical damage, or vandalism. The company also offers a broad range of personal and business insurance products, such as motorcycle, professional liability, umbrella, and recreational vehicle insurance. It also offers individual and group life insurance plans. The company has been in the business for over 150 years.

License Verified:

License: 100659850

Illinois Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Yelp
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
300 N. State Hwy 121, Mt. Zion, IL 62549
  • Home and Auto Insurance

Why choose this provider?

Operating near Decatur, Gibson Insurance Agency, Inc. has been helping clients in finding the right policy that protects properties, families, and businesses since 1967. This family-owned business provides condo owners and renters insurance that secures the legal responsibility for property damages. Its home insurance also covers additional expenses incurred by the owner due to a covered loss. Gibson Insurance Agency, Inc. also drafts crop, health, and motorcycle policies tailored to the clients' needs throughout central Illinois.

License Verified:

License: 100287732

Illinois Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (26)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
3.3
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
1101 Clement Avenue, Forsyth, IL 62535
  • Home and Auto Insurance

Why choose this provider?

Ali Doolin-Hupp is a State Farm insurance agent that caters to any renter around Decatur. Her products help protect and secure client possessions inside rental properties against fires, theft, and vandalism. Her team employs a personalized approach in handling clients by establishing transparent relationships with them and communicating closely regarding their specific goals and needs. Doolin-Hupp also provides life, health, home, business, and auto insurance. She is a current member of the Greater Decatur Chamber of Commerce.

License Verified:

Illinois Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (170)
Facebook
5.0 / 5 (18)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
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FAQs

  • Do renters' insurance policies in Decatur only cover personal belongings?

    A renters' insurance policy in Decatur provides more than just coverage for personal belongings. It also offers financial protection against liabilities, such as if someone is injured within a rental property. In addition, renters' insurance covers temporary housing and living expenses if a covered peril, like fires and windstorms, makes the rental property uninhabitable.

  • Does renters' insurance in Decatur cover damages to the building, such as roof leaks?

    No, renters' insurance in Decatur does not cover damage to the building, like roof leaks, as the landlord's policy typically covers these damages. Nevertheless, it provides coverage for personal belongings that may be damaged due to the leak. Additionally, it offers financial assistance for medical expenses for injuries from accidents within the premises and alternative living arrangements if the rented home is unlivable due to the leak.

  • How can Decatur residents determine the amount of renters' insurance they need?

    Decatur residents should consult their insurance agents or providers to ascertain the amount of renters' insurance required. They can offer guidance on the value of personal property, potential hazards, roommates' inclusion, understanding insurance terms, and additional optional coverages. The amount of liability coverage included in the policy will also be detailed by the agent.

  • How does renters' insurance in Decatur differ from tenant insurance?

    Renters' insurance in Decatur offers financial protection for tenants' belongings within leased properties. It ensures reimbursement for the renter's items damaged from covered perils. Tenant insurance, often termed landlord insurance, is tailored for property owners. It safeguards the physical structures of the property itself, particularly when the owner is not an occupant of the building.

  • What are the consequences for Decatur tenants who don't have renters' insurance as required by their lease?

    If a tenant in Decatur does not obtain renters' insurance as specified in their lease, the landlord has the right to evict them for violating the lease terms. While state law does not mandate renters' insurance, landlords may require it in the lease agreement to mitigate liability for damages during tenancy. This insurance is a safeguard for tenants' personal property and is typically a low-cost monthly investment.

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