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Best Renter's Insurance Companies in Saint Joseph, MO

Our Recommended Top 3

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 Saint Joseph 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.



3Top Picks

Learn about our selection process.


featured provider = Featured Provider

1802 Union Street, St. Joseph, MO 64501
WebsiteLicense: 73617 Rating

Review Sources

4.2 (7)
4.3 (6)

Why choose this provider?

Tilton Thomas & Morgan is a locally owned and family-operated independent insurance agency that was established in 1946. Serving Saint Joseph, it helps tenants in protecting their personal belongings from damages caused by incidents like theft and fire through renters' insurance policies. Its team of professionals partners with various insurance carriers to provide tailored products from personal and commercial lines. These include coverages for floods, mobile homes, and automobiles. The agency's Texas office also offers cost containment strategies, safety programs, and human resource solutions.

  • Multiple Carriers
  • Home and Auto Insurance

3315 North Belt Highway Suite A, Saint Joseph, MO 64506
WebsiteLicense: 8026495 Rating

Review Sources

5.0 (25)
5.0 (5)

Why choose this provider?

Located in Saint Joseph, Nick Koeteman is a State Farm insurance agent that provides individuals and businesses with various insurance products. These include renters', home, automobile, and commercial general liability insurance policies. Nick also assists clients in acquiring additional coverage for their policies, like loss of use coverage for renters' insurance. Nick has been working for State Farm as an agent since 2011. He holds the Ambassador Travel Qualifier and Chairman's Circle Qualifier designations from State Farm.

  • Multiple Policy Types

3510 Messanie Street, Suite F, St Joseph, MO 64507
WebsiteLicense: 8023876 Rating

Review Sources

4.9 (217)
5.0 (17)

Why choose this provider?

Gina Conaway is a State Farm agent serving individuals and businesses in Saint Joseph and the surrounding communities. She offers a wide range of products, including life, health, auto, home, and business insurance, which are devised to preserve the clients' assets. Conaway also specializes in renters' insurance, helping customers have coverage for their personal belongings against damages. She also handles mutual funds, banking, and annuities. In addition, Conaway holds a designation as a Chartered Financial Consultant.

  • Multiple Policy Types

Compare our Top Renter's Insurance Companies

NameExpertise RatingAddressPromotionsLearn more
Tilton Thomas & Morgan
1802 Union Street, St. Joseph, MO 64501
Nick Koeteman
3315 North Belt Highway Suite A, Saint Joseph, MO 64506
Gina Conaway
3510 Messanie Street, Suite F, St Joseph, MO 64507


  • How much personal property coverage do you need in Saint Joseph?

    The cost of personal property coverage you need in Saint Joseph should be enough to cover the value of your personal belongings. To determine the value of your items, you can perform a home inventory by listing all of your belongings together with their current or purchase value. You can also add photos to your inventory for insurance claim purposes.

  • Are medical expenses caused by dog attacks covered by renters' insurance in Saint Joseph?

    Yes, medical expenses caused by dog attacks are covered by renters' insurance in Saint Joseph. If the tenant carries liability coverage and their dog bites their visitors, the hospital bills of the victim will be paid by the coverage. It can also pay for legal fees in case the policyholder faces a lawsuit.

  • If your furniture is damaged by water, will your renters' insurance in Saint Joseph cover the replacement cost?

    Renters' insurance will only cover your furniture if the damage is caused by burst pipes or bathtub overflow. However, if the damage results from a flood, the insurance cannot pay for it. Tenants in Saint Joseph need to have flood insurance to cover the damage. They can purchase this type of insurance from the National Flood Insurance Program.

  • How can tenants in Saint Joseph reduce renters' insurance premiums?

    In Saint Joseph, tenants can reduce their renters' insurance premiums if they are more than 55 years old and have a good credit score. They can get discounts if they have other insurance policies with the same insurer aside from renters' insurance. Moreover, they can install smoke detectors or deadbolt locks to lower renters' insurance rates.

  • Does renters' insurance in Saint Joseph cover roof leaks?

    Renters' insurance in Saint Joseph does not cover the actual roof leaks. The owner of the property or landlord will be the one responsible for this damage. However, renters' insurance will cover the tenant's personal belongings that were damaged by the roof leak. These include electronics, appliances, furniture, and clothing. Furthermore, this type of insurance covers additional living expenses in case the home becomes unlivable.

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