Expertise.com Homepage

2024

Last updated:

Best Renter's Insurance Companies in Columbia, MD

Our Recommended Top 9

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 Columbia 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.

45Reviewed

30Curated

9Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

10724 Little Patuxent Pkwy, Ste 201, Columbia, MD 21044
WebsiteLicense: 57904

Expertise.com Rating

Review Sources

Google
4.8 (59)
Facebook
5.0 (3)

Why choose this provider?

Kim Musser is an insurance agent in the Columbia area. She provides an array of State Farm products, including coverage for homes and pets. She offers renters' insurance to residents who need protection for belongings inside and outside their home, apartment, or condominium. Musser is a long-term care professional who has been associated with the carrier for 30 years. Her team of professional staff is fluent in Spanish, and her representatives take calls 24 hours a day.

  • Home and Auto Insurance

3675 Park Avenue Suite 201, Ellicott City, MD 21043
WebsiteLicense: 47573

Expertise.com Rating

Review Sources

Google
4.8 (48)
Facebook
4.9 (26)
Yelp
4.7 (9)

Why choose this provider?

J.E. Schenk & Associates, Inc., is an insurance brokerage that serves the Columbia area. It offers numerous products, including renters' insurance, which includes liability coverage and helps pay for the replacement and repair costs of stolen and damaged items. With access to policies from different carriers such as Progressive, Safeco Insurance, and Foremost, its agents also provide protection plans for owners of homes, cars, and businesses. J.E. Schenk & Associates, which was established in 1980, is also licensed to offer insurance in Tennessee and Virginia.

  • Home and Auto Insurance

6430 Dobbin Road Ste A, Columbia, MD 21045
WebsiteLicense: 6694

Expertise.com Rating

Why choose this provider?

Chuck Norris Morgan is an insurance professional who has been working at State Farm for more than 55 years. He caters to clients in Columbia and the surrounding areas. His line of products includes renters' insurance policies, which cover personal properties like bicycles, clothing, computers, electronics, and furniture. He also offers auto, health, home, life, and pet insurance plans. Morgan holds the Life Underwriter Training Council Fellow designation. His team includes members who speak Fuzhou, Mandarin, and Spanish.

  • Multiple Policy Types

7061 Deepage Drive, Columbia, MD 21045
WebsiteLicense: 100011529

Expertise.com Rating

Review Sources

Google
4.7 (103)
Facebook
4.9 (45)
Yelp
5.0 (3)

Why choose this provider?

Since 1987, McArdle Insurance Agency has been serving clients in Columbia. It manages renters' insurance and provides multiple coverage options, including liability and loss of use coverage. The agency guides tenants through the process of obtaining floater insurance to cover personal belongings like collectible cards and jewelry. It also provides a wide range of business insurance solutions, from workers' compensation to cyber liability policies. The agency's founder, Mark McArdle, is a former claims adjuster with Erie Insurance. He has over 40 years of industry experience.

  • Home and Auto Insurance

8600 Foundry Street, Box 2030, Savage, MD 20763
WebsiteLicense: 2898

Expertise.com Rating

Review Sources

Facebook
5.0 (8)

Why choose this provider?

Since 1989, Commercial Insurance Managers has been providing personal and commercial services to clients in and around Columbia. The independent agency provides personal products such as home, renters', auto, life, and health insurance. It also offers a host of commercial products for businesses, employees, and specific industries. Commercial Insurance Managers' ultimate mission is to help the community through charitable contributions for the Howard County Economic Development Authority and the James Rouse Entrepreneurial Fund. Its owner, Gordon Mumpower, is a Chartered Property Casualty Underwriter.

  • Multiple Carriers
  • Multiple Policy Types
  • Home and Auto Insurance

601 7th Street Suite 103, Laurel, MD 20707
WebsiteLicense: 100047553

Expertise.com Rating

Review Sources

Google
4.8 (125)

Why choose this provider?

Simmerer Insurance is a local agency serving Columbia and surrounding communities. It assists renters in acquiring insurance coverage that protects their belongings from theft or fire, even if they are away from their residence. The policy can include guest medical protection, temporary housing, and liability coverage for people on the property. The agency's owner, Philip Simmerer, has been working in the insurance industry since 1999. He also operates the 4 Lucky Paws Rescue to help abandoned dogs and cats find a home in the community.

  • Multiple Policy Types

7075 Samuel Morse Drive, Suite 120, Columbia, MD 21046
WebsiteLicense: 2408

Expertise.com Rating

Review Sources

Google
4.4 (13)

Why choose this provider?

The Jacobs Co. Incorporated is an independent insurance agency that offers renters' insurance policies to clients in Columbia. It partners with an extensive network of insurance carriers to provide customers with policies that offer financial protection in case of property damage, theft, fire, or natural disasters. Additionally, it covers financial liability if a person gets injured on their premises. The staff has a combined 400 years of industry experience. They are long-time supporters of The Hospice & Palliative Care Network of Maryland.

  • Multiple Policy Types

1413-B Annapolis Road Suite 203, Odenton, MD 21113
WebsiteLicense: 14169

Expertise.com Rating

Why choose this provider?

Donius Patterson Insurance is an independent agency that caters to individuals, families, and businesses in Columbia and the surrounding areas. It offers renters' insurance policies, which provide financial protection for clients whose properties have been broken into or damaged by a fire. The firm also carries auto, general liability, homeowners', and life insurance products. It represents insurance companies like Progressive and The Hartford. Its founder, Gary L. Donius, has been working in the insurance industry since 1972.

  • Multiple Policy Types
  • Home and Auto Insurance

512 East Randolph Road, Suite L, Silver Spring, MD 20904
WebsiteLicense: 100046713

Expertise.com Rating

Review Sources

Google
4.9 (53)
Facebook
4.9 (28)

Why choose this provider?

Harders & Bradford Insurance Agency addresses the needs of residential and commercial clients in Columbia. The agency offers numerous products, including renters', home, auto, individual life, and business insurance, all designed to protect clients' families and assets. Its renters' insurance policy provides property coverage for damage caused by theft, fire, hail, and lightning. This plan also offers loss of use and liability coverage. The company represents various carriers, including Erie, Progressive, Foremost, Maryland, and National General.

  • Multiple Policy Types

Compare our Top Renter's Insurance Companies

NameExpertise RatingAddressPromotionsLearn more
Kim Musser
10724 Little Patuxent Pkwy, Ste 201, Columbia, MD 21044
J.E. Schenk & Associates, Inc.
3675 Park Avenue Suite 201, Ellicott City, MD 21043
Chuck Norris Morgan
6430 Dobbin Road Ste A, Columbia, MD 21045
McArdle Insurance Agency
7061 Deepage Drive, Columbia, MD 21045
Commercial Insurance Managers
8600 Foundry Street, Box 2030, Savage, MD 20763
Simmerer Insurance
601 7th Street Suite 103, Laurel, MD 20707
The Jacobs Co. Incorporated
7075 Samuel Morse Drive, Suite 120, Columbia, MD 21046
Donius Patterson Insurance
1413-B Annapolis Road Suite 203, Odenton, MD 21113
Harders & Bradford Insurance Agency
512 East Randolph Road, Suite L, Silver Spring, MD 20904

FAQs

  • Does your renters’ insurance still apply if you sublet your rental property in Columbia?

    Your renters' insurance remains effective if you decide to sublet your rental property in Columbia. It will continue to provide coverage for your personal belongings during the sublet period. However, the policy will not extend coverage to the subletter's property unless they are formally added to your insurance policy.

  • Can you transfer your renters' insurance policy to a new rental property if you move in Columbia?

    When relocating within Columbia, you can transfer your renters' insurance policy to your new rental property. Typically, the process is straightforward, and you just need to contact your insurance provider and inform them of your moving date and new address. Be aware that your premiums could potentially rise as a result of the move.

  • Does renters' insurance cover personal injuries to guests in your Columbia rental property?

    Renters' insurance in Columbia provides coverage for personal injuries to guests through the liability coverage section of the policy. However, it doesn't cover injuries to the policyholder and only pays for medical expenses if the injury is on your property and is your fault. If your renters’ insurance also has medical payments to others coverage, it will also pay for minor injuries that were not your fault.

  • Can your landlord require you to purchase renters' insurance with a specific company in Columbia?

    In Columbia, landlords often include a renters' insurance requirement in their tenants' leases, but they cannot require you to select the insurer they suggest. If your landlord insists or strongly encourages you to switch to a particular insurance company, it is within your rights to choose an insurer that suits your preferences.

  • Can your renters' insurance cover temporary accommodation if your rental is uninhabitable in Columbia?

    Yes, the loss of use coverage in your renters' insurance policy can provide temporary accommodation if your rental property becomes unlivable in Columbia. This coverage takes effect when your rental home is damaged or rendered uninhabitable due to a covered event, requiring your temporary relocation while it undergoes repairs or reconstruction.

Related Articles

FeaturedHome-Remodel-Hero

Survey: COVID-19 Pandemic Leads to Surge in Demand for Renters Insurance

We surveyed 1,000 renters in the U.S. to see how the pandemic changed their thoughts about renters insurance, what they look ...