Renters Insurance in Iowa

As a tenant, you'll have peace of mind knowing that your possessions and personal property are protected in an unexpected event. Renters' insurance can help pay for lost or damaged possessions caused by fire, theft, or other unforeseen circumstances like a sewer backup. We offer renters insurance at Kerndt Brothers Insurance Agency in Lansing, IA. Read on to learn more about renters’ insurance.

How Does Renters Insurance Work?

If you are a tenant, renters insurance helps you cover a loss in your rented space. There are generally two different types of coverage under renters’ insurance. They include:

  • Cash Value- Replacement for the cost of items at their current estimated value. There are some simple calculations used to determine cash value.
  • Replacement Cost Coverage- Replacing damaged or lost items without factoring in depreciation.

What Does Renters insurance cover?

Typical renters’ insurance policies will cover loss or damage to your personal belongings from different perils, including fire, lightning, wind, theft, vandalism, and plumbing issues.

Renters insurance can also cover you in the following circumstances:

  • You have to move out of your home temporarily. Renters' insurance can help cover the cost of alternative living while our home is repaired or rebuilt.
  • Prevents you from liability for people injured on your property. Liability coverage helps protect yourself and others in the event of an accident.

Contact Kerndt Brothers Insurance Agency in Iowa for Renters Insurance

At Kerndt Brothers Insurance Agency, we can put together a customized renters insurance quote to meet your needs and budget. We understand the importance of this coverage, and we want to ensure you'll be covered in case of an unexpected event. Contact our office in Lansing, IA to speak with one of our agents who can help you get your quote started.