Expertise.com

2024

Last updated:

Best Renter's Insurance Companies in Columbia

Our Recommended Top 5

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 Columbia 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.

41Reviewed

26Curated

5Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

103A Corporate Lake Dr, Columbia, MO 65203
WebsiteLicense: 8041531

Expertise.com Rating

Review Sources

Google
3.9 (12)
Facebook
5.0 (5)

Why choose this provider?

Veterans United Insurance serves veterans, service members, and the military community in Columbia and the surrounding areas. It assists clients in obtaining renters' insurance with personal property coverage, liability coverage, or additional living expenses to protect their belongings in the event of fire, vandalism, or theft. It also provides homeowners', auto, life, flood, umbrella insurance plans, and personal property protection. Veterans United Insurance represents various companies, such as Foremost, Insurance Group, Safeco Insurance, and Armed Forces Benefit Association.

  • Multiple Carriers
  • Multiple Policy Types
  • Home and Auto Insurance

2900 Falling Leaf Ln, Suite 105, Columbia, MO 65201
WebsiteLicense: 8048462

Expertise.com Rating

Review Sources

Google
4.8 (69)
Facebook
5.0 (12)

Why choose this provider?

Since 2014, Justin Hahn is a State Farm insurance agent who has been providing insurance solutions to individuals and businesses in Columbia and neighboring areas. Some of the insurance products he provides are life, auto, health, and business insurance plans. His home insurance offering has a renters' insurance option that protects personal belongings against fire, theft, and vandalism damage in a rented home, apartment, or condominium. Justin is a local Columbian and a qualifier for many State Farm's awards.

  • Multiple Carriers
  • Home and Auto Insurance

3215 S Providence Road, Columbia, MO 65203
WebsiteLicense: 221197

Expertise.com Rating

Review Sources

Google
4.8 (60)
Facebook
4.7 (8)
Yelp
5.0 (4)

Why choose this provider?

Cheryl Kelly has been a State Farm insurance agent since 1988. Serving the residents of Columbia and the surrounding areas, she provides renters' insurance policies that cover losses to personal properties caused by disasters, fire, burglaries, or vandalism. Kelly also assists clients with their homeowners, business, life, health, pet, and personal articles insurance needs. She is a former board member of the State Farm Federal Credit Union. Kelly is fluent in both English and French.

  • Multiple Policy Types

401 Locust Street, Ste 301, Columbia, MO 65201
WebsiteLicense: 2244

Expertise.com Rating

Review Sources

Facebook
4.9 (38)
Google
5.0 (2)

Why choose this provider?

Gallaher Insurance Group provides financial investment solutions in the Columbia metro and nearby areas. It carries a wide range of personal insurance products, which include renters' plans. The independent company crafts customized personal property and liability coverages to protect tenants from financial losses due to unexpected events like burglary and natural disasters. It also offers life, health, classic car, umbrella, and flood insurance. Gallaher Insurance Group represents various carriers, such as Allstate, Acuity, Assurant, Foremost, and Chubb.

  • Home and Auto Insurance

2415 Carter Lane Ste 103, Columbia, MO 65201
WebsiteLicense: 8354365

Expertise.com Rating

Review Sources

Google
4.7 (14)
Facebook
5.0 (3)

Why choose this provider?

Will Garrett is an insurance agent serving families and individuals in Columbia. He represents Missouri Farm Bureau Insurance, presenting a wide selection of policies, including home, auto, life, umbrella, and business coverage. Garrett also offers renters' insurance policies, providing coverage for the client's personal property, renter alterations and additions, and liability. This policy also assists renters with necessary increased living expenses in the event of a loss that resulted in the property being uninhabitable. His additional representation covers annuities and retirement.

  • Home and Auto Insurance

FAQs

  • Do landlords in Columbia require tenants who have a short-term lease to have renters' insurance?

    Landlords in Columbia may impose a renters' insurance requirement on tenants, even for short-term rentals. Renters' insurance ensures that the tenant will have access to their insurance coverage to pursue reimbursement in the event that personal belongings are damaged. It also serves as a preventive measure to insulate the landlord from possible legal conflicts.

  • Does renters' insurance in Columbia provide coverage for accidents that occur within rented housing?

    Yes, the liability coverage in renters' insurance in Columbia acts as a protective measure in situations where an individual is deemed responsible for causing bodily injury or property damage to someone else due to an accident. It not only includes coverage for the financial compensation one may be required to provide but also takes care of legal expenses, including court costs and fees associated with defending against claims within the policy's scope.

  • Is it possible for an apartment tenant in Columbia to be evicted for failing to carry renters' insurance?

    In Columbia, apartment tenants might be evicted if their landlord requires renters' insurance and they don't get a policy. When it's part of the contract, breaking this rule could lead to eviction. However, even in cases where it's not a legal requirement, renters' insurance has advantages for both landlords and tenants.

  • Are medical costs for injured guests covered by renters' insurance policies in Columbia?

    Medical expenses for injured guests are commonly included in renters' insurance policies in Columbia. When a guest sustains an injury while on the rented property, the liability coverage within the renters' insurance is typically designed to assist in covering their medical costs. The extent of this coverage and any limitations can differ based on the specific policy.

  • How can a person in Columbia lower their renters' insurance premium?

    Individuals in Columbia seeking to lower their renters' insurance premium must consider various factors, including an insurance company's rates, coverage choices, customer feedback, and their approach to managing and disbursing payments for covered claims. Additionally, they may look into the insurance company's discounts, which can help lower the total acost of the premiums.

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