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2024

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Best Renter's Insurance Companies in Springfield, MO

Our Recommended Top 6

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 Springfield 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.

62Reviewed

39Curated

6Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

2733 East Battlefield Road, Springfield, MO 65804
WebsiteLicense: 3001135124

Expertise.com Rating

Review Sources

Google
5.0 (21)

Why choose this provider?

Bowman Insurance Group is an independent insurance agency catering to businesses and families in Springfield and the surrounding areas. With in-depth knowledge of various insurance products and insurance companies, it's able to match clients with the right policy across life, umbrella, homeowners', automobile, and renters' insurance. The agency also offers assistance with condo and renters' insurance, as well as workers' compensation. The agents at the company work closely with clients to properly educate them on their coverage.

  • Multiple Policy Types

2104 East Sunshine Street, Springfield, MO 65804
WebsiteLicense: 284322

Expertise.com Rating

Review Sources

Google
5.0 (11)
Facebook
5.0 (6)

Why choose this provider?

Insurors of the Ozarks is an independent insurance agency serving the Springfield metro for over 88 years. Representing over 20 insurance companies, it matches renters with the right carriers and policies that cover their personal properties, legal liabilities, and property damage. Each agent has over 30 years of experience assessing clients and creating personalized insurance plans for renters, families, and businesses. The company also offers policies on homeowners' insurance, life insurance, auto insurance, as well as business insurance coverages.

  • Multiple Carriers
  • Multiple Policy Types

709 West Sunshine Street, Springfield, MO 65807
WebsiteLicense: 8427070

Expertise.com Rating

Review Sources

Google
4.0 (33)
Facebook
5.0 (5)

Why choose this provider?

Insurors of America is an insurance agency headquartered in Springfield, catering to the insurance needs of individuals, families, and businesses. Insurance professionals at this office offer renters' insurance that covers personal property, such as furniture, clothing, jewelry, and other personal belongings. Its plan protects items against perils, including vandalism, fire, and theft. Additional coverage includes liability protection. Insurors of America also has homeowners', church, earthquake, flood, and landlord insurance. Some of the insurance carriers the agency represents are Progressive, Kemper, and Foremost.

  • Multiple Policy Types

330 West Plainview Road, Springfield, MO 65810
WebsiteLicense: 8295024

Expertise.com Rating

Review Sources

Google
5.0 (16)
Facebook
5.0 (14)

Why choose this provider?

Mid-America Specialty Markets is an independent insurance company catering to home renters in Springfield. Renters' insurance provides coverage for renters and their families from the costs of injuries and legal charges subject to various conditions. It also covers their belongings in cases of damages and theft, even if they are away from home. The company has experience in the insurance business for more than 150 years. It also serves other areas in Missouri and Kansas.

  • Multiple Policy Types

2100 South Brentwood Boulevard, Springfield, MO 65804
WebsiteLicense: 3001345139

Expertise.com Rating

Review Sources

Google
4.0 (260)
Facebook
5.0 (21)

Why choose this provider?

Millennium Brokers is an independent insurance agency operating in Springfield. It offers renters' insurance plans for individuals and their families that cover personal property and liability. Aside from replacement coverage for things that are stolen or damaged at the property, the policy also applies to when tenants are away from home. The agency also handles different types of insurance products within the personal and business lines, such as senior, travel, restaurant, and workers' compensation insurance.

  • Multiple Carriers
  • Multiple Policy Types

636 West Republic Road, Springfield, MO 65807
WebsiteLicense: 8020404

Expertise.com Rating

Review Sources

Google
4.0 (12)
Facebook
5.0 (11)

Why choose this provider?

Always Better Insurance is an independent insurance agency, its team provides its services to clients in the Springfield metro and the surrounding areas. With 50 years of experience, it offers different insurance products such as homeowners, commercial, renters, bonds, auto, and umbrella. Its renters' insurance policy will cover the costs of items that were damaged in a fire or stolen. It may also cover the hotel room expenses when the property being rented is temporarily unavailable.

Compare our Top Renter's Insurance Companies

NameExpertise RatingAddressPromotionsLearn more
Bowman Insurance Group
2733 East Battlefield Road, Springfield, MO 65804
Insurors of the Ozarks
2104 East Sunshine Street, Springfield, MO 65804
Insurors of America
709 West Sunshine Street, Springfield, MO 65807
Mid-America Specialty Markets
330 West Plainview Road, Springfield, MO 65810
Millennium Brokers
2100 South Brentwood Boulevard, Springfield, MO 65804
Always Better Insurance
636 West Republic Road, Springfield, MO 65807

FAQs

  • Does a landlord's insurance policy protect the personal possessions of individuals renting in Springfield?

    No, a landlord's insurance primarily covers the structure of the property, not the personal belongings of the tenant. Renters in Springfield are advised to obtain their own insurance to protect their possessions. With a modest monthly cost, often ranging from $8 to $21, they can safeguard items like electronics, apparel, and furniture from potential hazards or theft.

  • What should Springfield residents consider when choosing between replacement cost and actual cash value coverage?

    When Springfield residents are deciding between replacement cost and actual cash value coverage, they should consider the potential benefits of each. "Replacement cost" coverage ensures that in case of damage, one can get enough money to buy a new item similar to the lost one. However, with actual cash value, the payout is based on the item's value at the time of the loss. For instance, a TV purchased for $1,000 might be valued at $300 two years later.

  • Do all renters' insurance policies in Springfield cover electronics?

    No, not all renters' insurance policies in Springfield cover electronics. Some policies have exclusions or specific limits on electronic devices. Tenants must review their policy's details or consult an independent insurance agent for clarity. If electronic items are not covered, or there are coverage limits, they should consider obtaining a separate policy to ensure complete protection.

  • How can renters' insurance liability coverage benefit tenants in Springfield?

    Renters' insurance liability coverage equips tenants in Springfield with financial protection should they accidentally cause harm to others or damage their property. From unpredictable occurrences like falling objects to flooding, this insurance helps cover costs from medical treatments to legal proceedings. Tenants should closely assess their policies to ensure they're comprehensively protected from potential liabilities.

  • How does renters' insurance ALE coverage support Springfield tenants during natural disasters?

    In Springfield, when a natural disaster makes a rental unit uninhabitable, additional living expenses coverage in renters' insurance aids tenants by covering temporary housing, meals, and related costs. Springfield renters should familiarize themselves with their policy specifics and maintain records of any expenses during displacement. This approach ensures a smoother claims process and peace of mind during challenging times.

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