Expertise.com

2024

Last updated:

Best Renter's Insurance Companies in Louisville

Our Recommended Top 10

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 Louisville 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.

212Reviewed

131Curated

10Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

211 Clover Lane, Louisville, KY 40207

Expertise.com Rating

Review Sources

Google
4.0 (25)
Facebook
5.0 (15)
Yelp
4.0 (1)

Why choose this provider?

Foundation Insurance Group is an independent insurance agency that has been assisting the community of Louisville and the surrounding area with their insurance needs since 1994. The agency works with an array of national, regional, and international insurance providers, allowing them to write personalized renters' insurance packages. With more than 40 dedicated staff members, the agency helps clients determine the appropriate renters' insurance that will fill the lapses in coverage or a package necessary to protect against property damage.

  • Multiple Policy Types

300 Middletown Park Place, Louisville, KY 40243
WebsiteLicense: 733976

Expertise.com Rating

Review Sources

Google
4.0 (56)
Facebook
5.0 (18)
Yelp
5.0 (1)

Why choose this provider?

SIG Lou delivers insurance and financial services in Louisville. It offers renters' insurance, which covers the belongings in apartments or rental houses. This policy also provides liability coverage in the event that an individual accidentally gets injured while inside a policyholder's property. The company also has coverage for homeowners, personal valuable possessions, cars, boats, and motorcycles. Its other services include life insurance, umbrella insurance, and commercial insurance. SIG Lou was established in 1998 by Tom Spalding.

  • Multiple Policy Types

9850 Von Allmen Court, Louisville, KY 40241
WebsiteLicense: 18875563

Expertise.com Rating

Review Sources

Google
5.0 (252)
Facebook
5.0 (12)

Why choose this provider?

Serving clients in Louisville and its surrounding areas, Aspen Ridge Insurance, LLC is an independent firm with access to an array of products from several insurance carriers. It provides personal policy options such as renters' insurance, homeowners' insurance, condo insurance, and specialty dwelling insurance. The company also offers coverage for life, flood, auto, ATV and Powersports, motorcycle, and recreational vehicles. Its other available plans include business insurance, workers’ compensation, and professional liability. Aspen Ridge Insurance, LLC is a veteran-owned enterprise.

  • Multiple Carriers

401 W Main St 1500, Louisville, KY 40202
WebsiteLicense: 346835

Expertise.com Rating

Review Sources

Facebook
4.8 (11)
Google
5.0 (9)

Why choose this provider?

RH Clarkson Insurance Group is an independent brokerage catering to individuals and businesses in and around Louisville. It offers various risk management solutions, including renters' insurance for those leasing a house, an apartment, or a condominium. Its coverage includes protection against theft, water damage, and loss from fire. It provides policies for homeowners, equine owners, and automobile owners. Umbrella, life, and health insurance are also available. The company, established in 1964, operates in all 50 states.

  • Multiple Policy Types

100 Cannons Lane, Louisville, KY 40206
WebsiteLicense: 680445

Expertise.com Rating

Review Sources

Google
4.9 (203)
Facebook
4.9 (112)
Yelp
3.0 (7)

Why choose this provider?

Greg Haus serves the renters' insurance needs of Louisville clients from his office in St. Matthews. Greg and his team represent State Farm, and they have over 32 years of combined experience in delivering services centered on identifying and addressing the client's needs. Its insurance packages cover rent loss, personal property, dwelling, and liability. Greg and his team also provide property, auto, home, and business insurance while also serving clients in New Albany and Clarksville. They also cater to Spanish-speaking clients.

  • Multiple Carriers
  • Multiple Policy Types

4050 Westport Road, Louisville, KY 40207
WebsiteLicense: 510813

Expertise.com Rating

Review Sources

Google
4.0 (8)
Facebook
5.0 (2)

Why choose this provider?

Since 1956, Dolack Insurance Agency has been providing personal coverage, including home and renters' insurance for Louisville clients. Over the last 65 years, it has expanded to include a number of services under its personal and commercial insurance from multiple partner insurance carriers, which include auto, home, business, and life and health coverage. In addition to insurance services, Dolack Insurance Agency also established a blog in order to inspire and help clients on matters related to health and wellness.

  • Multiple Policy Types

915 Lily Creek Rd, Louisville, KY 40243
WebsiteLicense: 399452

Expertise.com Rating

Review Sources

Google
4.7 (66)
Facebook
4.9 (36)
Yelp
3.0 (4)

Why choose this provider?

Old Kentucky Insurance is an independent agency that has been serving Louisville individuals since 1973. It offers personal insurance products, such as home, renters', auto, and life. The renters' insurance plan covers the clients' liability and lost or damaged personal belongings. Its consultants work with clients to identify their needs and find suitable insurance policies. Old Kentucky Insurance also provides business insurance plans, including property, workers' compensation, and auto. It represents various insurance companies, like Safeco Insurance, Progressive, and Travelers.

  • Multiple Policy Types

1904 Eastern Parkway Suite 202, Louisville, KY 40204
WebsiteLicense: 834910

Expertise.com Rating

Review Sources

Google
4.6 (124)
Facebook
5.0 (17)
Yelp
5.0 (1)

Why choose this provider?

Gary Smith is a State Farm insurance agent serving the Louisville community. He provides renters' insurance plans for the protection of tenants' personal belongings such as computers, clothing, TVs, bicycles, and furniture. The policy covers different types of properties like apartments, condominiums, and rental homes. Smith also offers health, life, and business insurance along with notary, fax, and financial services. He was a recipient of the Dale Carnegie Breakthrough Award. His team can serve clients in English and Spanish.

  • Multiple Policy Types

903 East Chestnut Street, Louisville, KY 40204
WebsiteLicense: 3319961

Expertise.com Rating

Review Sources

Google
4.0 (8)

Why choose this provider?

Nolan Insurance Corporation is a local insurance company offering various kinds of insurance products to renters in Louisville. Renters' insurance products give financial assistance to renters and their families in the event of fire, theft, or even when a guest suffers an injury at home. Personal liabilities and repair costs are also covered. The company is also associated with the Independent Insurance Agents and Brokers of America, Inc. The company has been in the insurance business since 1970.

  • Multiple Policy Types

9750 Ormsby Station Road, Louisville, KY 40223
WebsiteLicense: 391989

Expertise.com Rating

Review Sources

Google
4.0 (54)
Facebook
5.0 (7)

Why choose this provider?

Braden Insurance Agency, Inc., is an independent company that addresses the insurance needs of renters in Louisville. It conducts consultations with individuals and presents renters' insurance policies that fit their budget and coverage needs. Moreover, its agents keep clients informed on options available to them and resolve any related concerns. They offer other personal protection services, including home, auto, and health insurance. With access to multiple insurance companies, they also help their clients with commercial insurance products, such as business property and commercial vehicle insurance.

  • Multiple Carriers
  • Multiple Policy Types

FAQs

  • What kinds of claims do residents in Louisville make on their renters' insurance?

    The most typical claim that tenants make under their renters' insurance policies in Louisville and throughout Kentucky is for personal property loss. According to recent statistics, 16,251 burglaries and other types of break-ins were reported. Your renters' insurance policy's personal property coverage may cover damaged or stolen possessions up to specified limits, less your deductible. It also protects against theft in vehicles, storage facilities, and while traveling.

  • How much does renters' insurance cost in Louisville?

    Renters' insurance in Louisville costs around $199 per year. The amount of coverage you choose will determine the cost of your premium. Property coverage limits of $25,000 and $50,000 are common for renters' insurance. Other factors that influence premiums include your apartment's location, age, materials, and the pricing techniques used by your insurance company. Furthermore, it may be more expensive in areas prone to fire, lightning, wind, and hail.

  • Is it wise to invest in renters' insurance if one lives in University Housing in Louisville?

    Yes, if you live in a university dorm or apartment in Louisville, it is strongly advised that you obtain renter's insurance. It can provide financial security for your belongings, such as a laptop, television, art materials, furniture, or jewelry. Your insurance may be able to cover the theft of these items.

  • Can a claim be rejected by your renters' insurance in Louisville?

    Yes, renters' insurance claims in Louisville can be denied if there is a policy violation. A renter's policy, for example, may not cover certain dog breeds. Additionally, if your claim does not involve a policy-listed risk, your coverage will not pay. Furthermore, if your coverage limits are exceeded, your insurance will not pay. Lastly, false claims are denied. Keeping a house inventory makes it easier to prove your claims in court, among other benefits.

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