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2024

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Best Renter's Insurance Companies in Memphis, TN

Our Recommended Top 8

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 Memphis 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.

250Reviewed

153Curated

8Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

6187 Stage Road, Memphis, TN 38134
WebsiteLicense: 2331

Expertise.com Rating

Review Sources

Google
4.0 (92)
Facebook
5.0 (19)

Why choose this provider?

Lofton Wells Insurance has been providing the insurance needs of clients in Memphis for more than 38 years. It provides renters insurance covering personal properties, temporary housing, and vacation rental coverage. It also offers auto and life insurance and flood, short-term, long-term care, and pet insurance. Business and commercial clients can avail coverage for cyber liability, business liability, commercial properties, farms, and group health. The company also protects liquor liability, landlord liability, and restaurants.

  • Multiple Policy Types

4934 William Arnold Rd, Memphis, TN 38117
WebsiteLicense: 2031204

Expertise.com Rating

Review Sources

Google
5.0 (6)
Facebook
5.0 (6)

Why choose this provider?

Keller Insurance is a locally owned and operated agency that caters to clients in Memphis and the surrounding communities. It provides renters' insurance policies which cover customers' belongings, liabilities, and possible living expenses in case of a disaster or unexpected event such as fire or theft. Other products include auto, pet, boat, life, business, and homeowners' insurance. Keller Insurance works with companies like Progressive, Liberty Mutual, Erie Insurance, and TAPCO to help clients find the right protection plan that meets their needs.

  • Multiple Policy Types

3232 S Perkins Rd, Memphis, TN 38118
WebsiteLicense: 5721

Expertise.com Rating

Review Sources

Facebook
5.0 (11)
Google
4.9 (10)

Why choose this provider?

Keltner Insurance, Inc., assists the residents of Memphis in need of risk management. It provides products that help renters and homeowners protect their belongings from hazards involving vandalism, theft, fires, and other possible risks of damage and loss. Its products also provide liability protection against lawsuits involving property or bodily damage within a home or rented building. Its staff link clients with different carriers and service providers, to better meet both their budget and risks as identified in the company's consultation and evaluation process.

  • Multiple Carriers

811 Timber Creek Drive, Memphis, TN 38018
WebsiteLicense: 2293533

Expertise.com Rating

Review Sources

Google
5.0 (59)
Facebook
5.0 (39)

Why choose this provider?

Katie Lamb is a second-generation insurance agent at State Farm who provides various insurance solutions to Memphis residents. She assists customers in understanding the importance of renters' insurance and protecting them financially from losses caused by accidents, weather impacts, loss of use, and malicious mischief. Its renters' insurance also includes liability coverage that pays for medical expenses for injuring another person. In addition, Katie also specializes in coverage policies for homeowners, auto, and life.

  • Multiple Policy Types

6263 Poplar Ave., Ste. 400, Memphis, TN 38119
WebsiteLicense: 2390413

Expertise.com Rating

Review Sources

Facebook
5.0 (36)
Google
4.7 (17)

Why choose this provider?

Lovelace Agency, with offices in Collierville and Memphis, has been serving individuals and families throughout Tennessee, Mississippi, and Arkansas since 1999. Founder Rod Lovelace has over 20 years of industry experience. The company provides a variety of insurance products to protect its clients and their investments. These include home, homeowners', and renters' insurance, which provide protection against losses from calamities such as fires, floods, and earthquakes. Other offerings include auto, life, motorcycle, boat, and retirement policies.

  • Multiple Policy Types

7900 Winchester Road, Memphis, TN 38125
WebsiteLicense: 711052

Expertise.com Rating

Review Sources

Google
5.0 (13)
Facebook
5.0 (7)

Why choose this provider?

Kacky Kortenber is a State Farm insurance agent who serves residents and businesses in Memphis. It offers a range of insurance solutions, including renters' insurance, life insurance, and health insurance. It also provides coverage for pets, properties, and businesses. Kortenber has been with State Farm since 1990, and her office is staffed with insurance accounts representatives who have been with the company for more than 10 years. Her office has been awarded the State Farm Golden Triangle Award and State Farm Chairman's Circle.

  • Multiple Policy Types

6525 North Quail Hollow Road, Memphis, TN 38120
WebsiteLicense: 2002543

Expertise.com Rating

Review Sources

Google
4.0 (24)
Facebook
5.0 (3)

Why choose this provider?

Crye-Leike Insurance Agency is an independent firm that has been insuring families and individuals in Memphis and nearby areas since 1982. Founders of the agency, Harold Crye and Dick Leike, aim to provide insurance solutions with professionalism and integrity. Its team of insurance agents provides renters' insurance with coverage that includes additional living expenses, personal property protection, family liability protection, guest medical protection, and temporary housing. They also have insurance solutions for business owners.

  • Multiple Policy Types

5510 E. Shelby Dr., Ste. 107, Memphis, TN 38141
WebsiteLicense: 2445767
Website

Expertise.com Rating

Review Sources

Google
4.8 (17)
Facebook
5.0 (11)

Why choose this provider?

Financially Smart Insurance offers its services to renters in Memphis. Its renters' insurance coverage includes personal belongings, injury liability, medical bills, and loss of use. It works with several carriers to provide clients the best coverage, price, claim experience, and customer service. As a local company, Financially Smart Insurance also advises clients on good repair companies in the metro. It is licensed to provide insurance products in Tennessee, Arkansas, and Mississippi. It works with Liberty Mutual, Progressive, and Bristol West.

  • Multiple Policy Types

Compare our Top Renter's Insurance Companies

NameExpertise RatingAddressPromotionsLearn more
Lofton Wells Insurance
6187 Stage Road, Memphis, TN 38134
Keller Insurance
4934 William Arnold Rd, Memphis, TN 38117
Keltner Insurance Inc
3232 S Perkins Rd, Memphis, TN 38118
Katie Lamb
811 Timber Creek Drive, Memphis, TN 38018
Lovelace Agency
6263 Poplar Ave., Ste. 400, Memphis, TN 38119
Kacky Kortenber
7900 Winchester Road, Memphis, TN 38125
Crye-Leike Insurance Agency
6525 North Quail Hollow Road, Memphis, TN 38120
Financially Smart Insurance
5510 E. Shelby Dr., Ste. 107, Memphis, TN 38141

FAQs

  • Is it possible to transfer renters' insurance in Memphis when you move to another property within the metro?

    Check with your insurance provider to see if you can have your policy transferred to your new address when moving to a new rental. Check with your provider or review your policy terms to see if your insurance coverage is convertible. Also, expect to pay a different premium as your residence changes.

  • Should you have separate renters' insurance in Memphis if you have roommates?

    Yes, get renters' insurance on your own rather than sharing it with a roommate. In the short term, splitting premium payments and deductibles with a cohabitant may save you money. However, this may be problematic because it raises the possibility of claims and coverage limitation conflicts, as if both of you jointly own all of the items in the home.

  • Are you required to have renters' insurance in Memphis?

    No, as a Memphis tenant, you are not required to have renters' insurance. Some landlords, property management companies, and apartment communities, on the other hand, may make it a condition of the lease agreement. While it may not be considered strictly necessary, that does not mean it should be denied. Landlord insurance does not provide personal property coverage or protection against damage resulting from your carelessness.

  • Why should Memphis tenants think about getting renters' insurance?

    In Memphis, the tenant's personal belongings are not included in the coverage of the landlord's renters insurance, which covers only the property. In the event of damage from unanticipated perils not covered by the policy, such as water damage, vandalism, storms, and hurricanes, renters' insurance enables the tenant to have their possessions replaced.

  • Can homeowners' insurance be used to cover a rental property in Memphis?

    If the home is only rented out for a few weeks, homeowners' insurance may cover the short-term rental arrangements in Memphis. Inform your insurer in advance to ensure that this protection is included in your policy. If the property is to be rented out for a longer period of time, ranging from six months to a year, rental insurance is required.

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