Expertise.com

Best Renter's Insurance Companies in St. Louis

2024

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Providers

Last updated:

Website
5811 Hampton Avenue, St. Louis, MO 63109
  • Multiple Policy Types

Why choose this provider?

Ivan Hauser is an insurance agent that is affiliated with State Farm. He provides a variety of insurance products such as home, property, auto, business, life, and health to clients in St. Louis. Additionally, he also offers products such as mutual funds and banking. Ivan Hauser is a qualifier of Ambassadors for Life. State Farm's renters' insurance will cover all of a client's personal belongings, including furniture. It also covers losses from accidents or weather impacts such as windstorms and lightning.

License Verified:

License: 177359

Missouri Department of Insurance

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.
3.9
Google
4.0 / 5 (13)
Yelp
3.5 / 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
401 Pine Street, St. Louis, MO 63102
  • Multiple Carriers

Why choose this provider?

The Norrell Insurance Agency is a veteran-owned company that offers renters' insurance in St. Louis and the surrounding communities. The company is an independent insurance agency that provides clients with shopping policies from different insurance carriers. Its insurance agents then assist clients in comparing policies from these insurance carriers. Depending on the need, these insurance policies may cover disasters such as fires and floods. The agents also have experience shopping for policies that provide coverage for theft and vandalism.

License Verified:

License: 8429260

Missouri Department of Insurance

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 (24)
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
9197 West Florissant Avenue, St. Louis, MO 63136
  • Multiple Policy Types

Why choose this provider?

Solo Insurance is a local and online insurance company that serves individuals and businesses in St. Louis. It is a veteran-owned company established in 1994. The agency provides renters' insurance, home insurance, and commercial auto insurance. In addition, it represents different carriers, which include Alfa Insurance, Bristol West Insurance Group, and Progressive. The agents at this company also offer other insurance products, including non-fleet commercial vehicle insurance and SR-22 insurance. Solo Insurance is licensed to serve 11 states.

License Verified:

License: 9897

Missouri Department of Insurance

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 (69)
Facebook
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
3167 Morgan Ford Road, St. Louis, MO 63116
  • Multiple Policy Types

Why choose this provider?

Bradford O'Neil is an insurance agent working for State Farm, providing renters' insurance for first-time and tenured clients. Operating in St. Louis, he brings over 20 years of experience to educate customers on the benefits of having renters' insurance plans. These include coverage for fire damage, natural disasters, vehicular accidents, and vandalism. Bradford also processes claims and adds coverages that reimburse stolen possessions, such as jewelry and clothing. He is also multilingual and caters to Spanish and Chinese-speaking customers.

License Verified:

License: 8102324

Missouri Department of Insurance

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.
3.9
Google
4.0 / 5 (310)
Facebook
3.0 / 5 (13)
Yelp
1.0 / 5 (2)

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

Frequently Asked Questions

  • Which events and items are included and excluded from renters’ insurance in Saint Louis?

    Saint Louis renters' insurance provides coverage for replacing or repairing personal belongings such as furniture, clothing, and jewelry. These policies also cover legal expenses and court fees resulting from accidents at a tenant's rental property leading to injuries and property damage. Note that these policies do not cover structural damage to the rental home or the belongings of a tenant's roommate.

  • What is the difference between actual cash value and replacement cost value coverages in the context of renters’ insurance in Saint Louis?

    The term "actual cash value" refers to the sum required to replace the personal belongings of a Saint Louis renter. This form of reimbursement takes into account depreciation when determining the expense of item replacement. In contrast, the replacement cost method considers both depreciation and the impact of regular wear and tear on claim settlements.

  • How much do Saint Louis residents pay for renters’ insurance per month?

    In Saint Louis, renters spend approximately $23 monthly on insurance, reflecting a 10% increase compared to Missouri's state average. The city is the costliest for renters' insurance, with an annual coverage cost of $275. The location of a rental residence affects insurance costs. People residing in areas prone to flooding and with a higher crime rate usually pay more for renters' insurance.

  • Which endorsement should Saint Louis residents add to their standard renters’ insurance policy if they own important items?

    Residents of Saint Louis have the option to add scheduled personal property coverage to their standard renters' insurance policies, which protects valuable possessions like musical instruments, engagement rings, and artworks. This additional coverage serves to extend the liability limits set by most insurance companies on specific valuable items, such as rings, cameras, and bikes.

  • Does renters’ insurance provide liability protection in the event that a Saint Louis tenant is sued by somebody for bodily injury or property damage?

    Renters' insurance protects Saint Louis from potential lawsuits due to bodily injury or property damage as a result of their negligence, as well as events caused by their family members or pets. This coverage pays for legal defense expenses and court-ordered awards, up to the policy's specified limit. Standard renters' insurance policies in Saint Louis typically offer a minimum of $100,000 in liability coverage, but options for additional coverage amounts are also available.

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