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Best Renters Insurance Companies in Joliet, IL

Our Recommended Top 3

We did the research for you!

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Our goal is to connect people with the best local professionals. We scored Joliet renters insurance companies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

56Reviewed

34Curated

3Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

2551 Division Street, Joliet, IL 60435
WebsiteLicense: 17406100

Expertise.com Rating

Review Sources

Google
5.0 (78)
Facebook
5.0 (2)

Why choose this provider?

Rigo Valle is a State Farm insurance agent serving the Joliet metro since 2014. Through consultation and communication, he understands renters' needs and procures a customized insurance plan that covers their personal belongings and protects them from injury and property damage claims. He also offers his services in other insurance lines, including auto, home, life, health, and business insurance. He speaks both English and Spanish, enabling him to form relationships with different types of clients and cater to their insurance needs.

  • Multiple Policy Types

2018 Plainfield Road, Crest Hill, IL 60403
WebsiteLicense: 526653

Expertise.com Rating

Review Sources

Google
5.0 (32)
Facebook
5.0 (16)

Why choose this provider?

Bill Schuler is a State Farm insurance agent who handles the needs of renters and property owners in Joliet and the surrounding areas. Schuler offers clients renters' insurance products, which typically cover bodily injury, accidents, natural disasters, and malicious mischief. He also provides his clients with coverage for vehicles, homes, health, and life. Schuler has been associated with State Farm since 1991 and has been helping people with their insurance needs since 1999. He is a former member of the Illinois Army National Guard.

  • Multiple Policy Types

2300 Plainfield Road, Crest Hill, IL 60403
WebsiteLicense: 3000496771

Expertise.com Rating

Review Sources

Google
5.0 (23)
Facebook
5.0 (11)

Why choose this provider?

Confer Insurance Agency LLC is a full-service independent agency that caters to clients in the Joliet area. It provides renters' insurance and homeowners' insurance for townhouses and vacation homes. It also offers umbrella liability supplements to other policies such as home and auto insurance. Its umbrella liability will supply additional coverage against large liability claims. The agency's other insurance products cover bonds, auto, property, and workers' compensation. Confer Insurance Agency serves commercial clients from different industries, including manufacturers, restaurants, and bars.

  • Multiple Policy Types

Compare our Top Renters Insurance Companies

NameExpertise RatingAddressPromotionsLearn more
Rigo Valle
2551 Division Street, Joliet, IL 60435
Bill Schuler
2018 Plainfield Road, Crest Hill, IL 60403
Confer Insurance Agency LLC
2300 Plainfield Road, Crest Hill, IL 60403

Joliet, IL Renters Insurance FAQs

  • What are the most common causes of renters' insurance claims in Joliet?

    The most common causes of renters' insurance claims in Joliet are natural disasters such as tornadoes, storms, and lightning. Other causes of claims include water damage, heavy snowfall, and crimes such as break-ins. Property damage claims in the area are frequently based on the same types of events mentioned above.

  • In Joliet, how does renters' insurance differ from landlords insurance in terms of coverage?

    Renters' insurance in Joliet protects a tenant's personal property and liability, as opposed to landlord insurance, which protects the building itself. For example, damage to a tenant's belongings caused by building issues, such as a leaking pipe, would be excluded from the landlord's policy. As a result, tenants who do not have adequate renters' insurance may face significant out-of-pocket expenses for personal losses or injuries sustained on the property.

  • What is the difference between actual cash value and replacement cost coverage in Joliet renters insurance policies?

    In Joliet, actual cash value coverage pays back the value of things that have been lost or damaged over time, while replacement cost coverage pays the actual cost of buying new things, both of which are subject to a deductible. Replacement cost coverage premiums are higher, but they cover more when someone makes a claim.

  • How does renters insurance assist Joliet residents in the event of a property foreclosure?

    If a rented property in Joliet is foreclosed, tenants have 90 days to vacate under federal law. During this time, renters' insurance protects personal belongings, and if the residence is deemed uninhabitable, it may cover the cost of temporary lodging, such as a hotel room. This is a standard provision that applies at all times, not just in foreclosure situations.

  • What other types of damages, aside from those caused by earthquakes or floods, are not covered by renters' insurance?

    Renters' insurance in Joliet typically excludes coverage for personal belongings located outside the rental premises, damage caused by tenant negligence, such as ignoring termite damage, and liability for dog bites from dangerous breeds. Roommates' belongings are also not covered under a single policy; they must have individual insurance for their items.

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