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2024

Last updated:

Best Renter's Insurance Companies in Lansing

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 Lansing 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.

50Reviewed

33Curated

9Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
2722 East Michigan Avenue, Lansing, MI 48912
  • Multiple Carriers
  • Multiple Policy Types

Why choose this provider?

Logan Insurance Group is an independent agency that caters to clients in Lansing, Okemos, and the rest of Michigan. It offers renters' insurance that safeguards renters and their valuables from accidents, burglaries, fire, and certain types of water damage. It is partnered with Hagerty, Foremost, Progressive, Burns & Wilcox, Auto-Owners Insurance, and Michigan Insurance Company to present multiple coverage plan options. Logan Insurance Group also provides home, auto, life, flood, business, and umbrella insurance.

License Verified:

License: 18448193

Michigan Department of Insurance and Financial Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (8)
Facebook
5.0 / 5 (4)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
3410 Belle Chase Way, Lansing, MI 48911
  • Multiple Carriers
  • Multiple Policy Types

Why choose this provider?

Payne Insurance Agency is a family-owned and family-operated business serving the Lansing metro. It accommodates individuals and families who need assistance in purchasing renters' insurance plans. Additionally, the company offers other personal plans such as homeowners', motorcycle, car, boat, and umbrella insurance. It also creates insurance coverages for contractors, restaurants, farms, and commercial properties. The company's agents have access to various insurance carriers like Prudential, Nationwide, American Modern, and Foremost. Payne Insurance Agency is an independent company that has been providing insurance solutions since 1978.

License Verified:

License: 3415040

Michigan Department of Insurance and Financial Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (19)
Facebook
5.0 / 5 (2)
Yelp
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
2200 East Michigan Avenue, Lansing, MI 48912
  • Multiple Policy Types

Why choose this provider?

Jim McDaniels is a Farm Bureau Insurance agent who serves the residents of Lansing and all of Michigan. He provides assistance in choosing a renters' insurance policy that helps his clients safeguard themselves and their valuables from fire, theft, and accidents, which are commonly not covered by landlord's insurance. The multi-line agent also provides life, health, home, farm, auto, and business insurance. McDaniels is a longtime resident of Michigan, and he aims to deliver local and personalized service.

License Verified:

License: 9757392

Michigan Department of Insurance and Financial Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.0
Google
4.0 / 5 (10)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
2.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
4295 Okemos Road, Okemos, MI 48864
  • Multiple Policy Types

Why choose this provider?

Peninsula Insurance Services is an independent insurance agency providing services to Lansing. It specializes in renters' insurance products covering clients' lost or broken items due to theft and damages. The insurance policy also protects the renters and their families from injuries and property damage liability. In addition, medical expenses are available if a visitor experiences bodily harm while staying on the rental property. Peninsula Insurance Services also offers business, vehicle, life, pet, short-term vacation rental, and property insurance services.

License Verified:

License: 0094554

Michigan Department of Insurance and Financial Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
4.9 / 5 (280)
Facebook
4.0 / 5 (16)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
2163 University Park Drive, Okemos, MI 48864
  • Multiple Policy Types

Why choose this provider?

Shinberg-LTB Agency is an Acrisure Agency Partner based in Okemos that also serves the Lansing metro and the surrounding areas. It is an independent agency that serves insurance options for residents and employer/employee benefits and HR outsourcing for local businesses. It carries renters’ insurance (or tenant insurance) to protect tenants and their personal property. Herb Shinberg founded the company in 1929, and it has been serving the East Lansing area for more than 90 years. It joined Acrisure LLC as a partner agency in 2006.

License Verified:

License: 0088219

Michigan Department of Insurance and Financial Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
4.8 / 5 (76)
Facebook
5.0 / 5 (12)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
4451 Okemos Road, Okemos, MI 48864
  • Multiple Policy Types

Why choose this provider?

Arnouts Insurance Agency Inc., is a locally owned, full-service insurance company that serves the diverse insurance needs of communities surrounding the Lansing metro. Since 1999, it has offered renters' insurance packages that cover medical payments, personal possessions, personal liability, and additional living expenses to its clients while also assisting them in risk management. The company's team further offers umbrella insurance policies, cottage-cabins policy plans, and two policies that can be bundled with renters', auto, and life insurance.

License Verified:

License: 16192919

Michigan Department of Insurance and Financial Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (115)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
4780 Okemos Road, Okemos, MI 48864
  • Multiple Policy Types

Why choose this provider?

Tony Dalessandro Jr is an insurance agent under the State Farm business. He started his career with the company in 1994. He serves the financial and insurance needs of Lansing, East Lansing, Williamston, Dewitt, and Grand Ledge residents. Under his office, the Tony Dalessandro, Jr. State Farm Insurance Agency, he and his team offer renters', home, life, and auto insurance for individuals and families. They also offer insurance policies to cover boats, recreational vehicles, and all-terrain vehicles.

License Verified:

License: 0039841

Michigan Department of Insurance and Financial Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.0
Google
4.0 / 5 (65)
Facebook
5.0 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
2760 East Lansing Drive, East Lansing, MI 48823
  • Multiple Carriers

Why choose this provider?

Meiers Lombardini Lemanski Insurance has been serving the Lansing community since 1976. The insurance agency offers renters' insurance policies covering personal property damages, theft, bodily injuries, and lawsuits. Similarly, its team writes policies to protect automobiles, homes, watercraft, ATVs, RVs, and specialty dwellings. Meiers Lombardini Lemanski Insurance has access to multiple carriers and coverage types. The company accommodates all policyholders looking to get a quote, seeking claims assistance, or expanding insurance coverage.

License Verified:

License: 16468395

Michigan Department of Insurance and Financial Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (158)
Google
4.9 / 5 (83)
Yelp
4.0 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
120 North Washington Square, Lansing, MI 48933
  • Multiple Carriers
  • Multiple Policy Types

Why choose this provider?

Lifetime Insurance Services offers renters' insurance in Lansing and the surrounding communities. Founded in 2009 by Jeff Grimm and Nick Bendick, it is an independent insurance agency that has established a network of over 20 insurance carriers. Its insurance advisors assess the client's needs and shop for a policy on their behalf. Depending on the policy, it can provide coverage for fires and vandalism. The agency is endorsed by Dave Ramsey, a finance personality and radio show host.

License Verified:

License: 15019038

Michigan Department of Insurance and Financial Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.1
Facebook
4.0 / 5 (27)
Google
5.0 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

FAQs

  • What sets apart renters' insurance with actual cash value from renters' insurance with replacement cost in Lansing?

    Actual cash value renters' insurance policies in Lansing provide reimbursement based on the current value of your belongings at the time of damage or loss. Given that most things lose value over time, the payout can be lower than what you initially paid for them. On the other hand, replacement coverage pays out so that you can replace the item you lost at its original value. The cost of replacement policies is usually higher than that of actual cash value policies.

  • Does your renters' insurance in Lansing extend coverage to your belongings outside your rental unit?

    Yes. Regardless of your location within Lansing, your personal belongings are insured. For instance, even if you've left your tablet and camera on your car seat and they were subsequently stolen, they remain covered by your renters' insurance. If you decide to move, your policy will continue to safeguard your possessions for 30 days from the day you initiate the relocation. Furthermore, if your laptop is damaged by hotel room sprinklers, it's still covered.

  • What is the appropriate amount of renters' insurance coverage needed in Lansing?

    In Lansing, the amount of coverage you need typically depends on the total number of items you want to insure. Start by creating an inventory of all your possessions, including clothing, jewelry, kitchenware, electronics, furniture, and more. This inventory will help you determine the right level of protection. A decent amount of coverage for many individuals is $15,000 for personal belongings and $100,000 for liability. To increase your protection, you can add other coverages.

  • What are renters' insurance riders in Lansing?

    Renters' insurance riders in Lansing offer extra coverage for specific items, and they have a separate deductible from your policy. For example, jewelry goods may be covered by standard renters' insurance up to a maximum of $1,500; any claims for these items would be covered by your policy deductible. Adding a rider for pricier jewelry may raise your premium slightly, but the added protection for these pricey items means that losses or damage won't affect your deductible.

  • Under what circumstances is pet damage not covered by a renters' insurance policy in Lansing?

    A frequent exclusion in Lansing involves specific animal breeds that are not eligible for coverage. For instance, pit bulls are typically prohibited in renters' insurance policies, and some exotic animals may face exclusions. Additionally, renters' insurance often only covers other people's belongings in your home; it does not cover damage caused by pets to your property.

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