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Best Renter's Insurance Companies in Dayton

Our Recommended Top 4

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 Dayton 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.



4Top Picks

Learn about our selection process.


featured provider = Featured Provider

8141 North Main Street, Dayton, OH 45415
WebsiteLicense: 31221 Rating

Review Sources

4.0 (34)
5.0 (28)
5.0 (1)

Why choose this provider?

LFL Insurance Agency, LLC, is an insurance agency that has been providing customized insurance solutions for individuals and business clients in Dayton and nearby areas for two decades. It comprises licensed insurance advisors who educate clients about the complexities of insurance and assist in finding the appropriate plan that matches their needs. The team offers renters' insurance that protects valuables from damages or loss caused by fire, burglaries, and certain types of water damage. Additional personal insurance products are homeowners', watercraft, auto, and long-term disability insurance.

  • Multiple Policy Types

1401 West Dorothy Lane, Kettering, OH 45409 Rating

Review Sources

4.0 (12)
4.0 (6)

Why choose this provider?

Sara Ross is an insurance professional who has been with State Farm since 2007. She caters to clients in Dayton and nearby areas. She offers renters' insurance policies, which cover computers, clothing, electronics, and furniture for accidents due to fire, theft, and water damage. Moreover, she assists in acquiring business, health, home, life, and pet insurance products. Sara has 12 years of experience in financial services. She is a member of the National African-American Insurance Association and the Trotwood Chamber of Commerce.

  • Multiple Policy Types

7801 North Dixie Drive, Dayton, OH 45414
WebsiteLicense: 39282 Rating

Review Sources

4.0 (18)

Why choose this provider?

Community Shirley Insurance was established in 2009, serving clients in Dayton. It represents multiple insurance carriers, including Erie Insurance, Encompass, Travelers, Progressive, American Commerce, and Titan Insurance. The agents from this firm provide homeowners' and renters' insurance options that cover dwelling, personal properties, sewers, flood damage, and liability. They also offer insurance solutions for vehicles, life, and health. Businesses can also avail themselves of insurance plans to protect assets, finances, and employees.

  • Multiple Carriers

1625 Springhill Avenue, Kettering, OH 45409
WebsiteLicense: 2425564 Rating

Review Sources

4.0 (23)
5.0 (6)

Why choose this provider?

Spectrum Insurance is an independent insurance agency that serves clients in Dayton. Its products include renters', home, condo, and landlord insurance, as well as coverage options for natural calamities such as floods and earthquakes. Coverages for cars, ATVs, classic cars, and mobile homes are also available. In addition, the company provides life and commercial insurance products. Spectrum Insurance's agents discuss the complexities of different policies and compare benefits to help clients make the best decision on which insurance plan meets their needs best.

  • Multiple Carriers


  • Is renters' insurance required in Dayton?

    No, there is no law requiring renters' insurance for the people of Dayton; however, some landlords may. This is due to the fact that in the event of a fire, accident, or burglary, the landlord's insurance is not responsible for any damage to the personal belongings of tenants. It will be the renters' responsibility to replace their possessions.

  • Can renters' insurance be bundled with auto policies in Dayton?

    Yes. One may bundle auto and renters' insurance from the same insurance provider in Dayton. Bundling often comes with the added benefit of a multi-policy discount and allows for the convenience of managing both policies within a single account. Individuals can choose to stay with their current provider or explore other options to find the best offers available.

  • How does the deductible work for renters' policy in Dayton?

    In Dayton, renters' insurance deductibles generally apply to the cost associated with damage or theft of personal belongings that policyholders need to cover when filing a claim. If the policyholder selects a lower deductible, the amount paid out of pocket for claims will decrease, offering greater financial flexibility during unforeseen events.

  • When renters in Dayton are not at their apartments, are they still protected by their renters' insurance?

    Renters' insurance in Dayton typically offers coverage for personal belongings even when individuals are away from their rented residence. This coverage often extends to items outside the home and in their cars, protecting belongings against covered risks or perils. However, policy specifics can vary, so it's essential to review the insurance terms to understand the extent of coverage.

  • Is water damage caused by flooding covered by renters' insurance in Dayton?

    Standard renters' insurance in Dayton typically excludes coverage for water damage resulting from floods. It is advisable for residents living in flood-prone areas to seek separate flood insurance coverage. This supplementary coverage ensures protection for the personal belongings of tenants against flood-related damage, which is not typically covered by the standard renters' insurance they carry.

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