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No hassle. No pressure. Just real, personalized renters insurance options tailored to your apartment or rental — in under 5 minutes.
Tap the button and speak directly with a licensed Michigan agent. No automated menus — just a real person ready to help you find the right renters insurance plan.
We review your belongings, liability needs, and budget to find the right HO-4 coverage. We'll walk you through personal property limits, deductibles, and add-ons side by side.
Pick the plan that fits. We handle the paperwork — most renters are covered same-day, often before they hang up the phone. Many landlords accept proof of coverage by email instantly.
Sample Plan Rates
Rates vary based on belongings value, location, deductible & coverage limits.
*Sample illustrative rates. Actual quotes vary by belongings value and coverage.
Independent Agency · Licensed in Michigan
Call (517) 923-2638Free quote · No obligation · Same-day coverage
A standard renters policy bundles four core protections — plus optional add-ons for valuables, identity theft, and pets. Here's what each one actually does.
The core of every renters policy. Reimburses you for furniture, electronics, clothing, and belongings damaged or stolen by fire, theft, vandalism, water leaks, or other covered perils — even outside your apartment.
Get a Quote →If a guest is injured in your unit or you accidentally damage someone else's property, your policy pays legal fees and settlements — typically up to $100,000 or $300,000 per incident.
Get a Quote →If a fire or covered loss makes your rental uninhabitable, this pays for hotels, meals, and extra living expenses while repairs are made — so you're never stuck with the bill or without a place to stay.
Get a Quote →Covers minor medical bills if a guest is injured in your home — regardless of fault. Typically $1,000 to $5,000 per incident. Helps avoid small claims escalating into liability lawsuits.
Get a Quote →Upgrade from "actual cash value" to full replacement cost — so a 5-year-old laptop is replaced at today's price, not its depreciated value. Often only $1–$3 more per month and well worth it.
Get a Quote →Add identity theft restoration, plus scheduled riders for jewelry, engagement rings, bicycles, instruments, or expensive electronics that exceed standard sub-limits. Affordable peace of mind.
Get a Quote →Renters insurance costs less than a Netflix subscription — and it's the only thing standing between you and a total loss if the unexpected happens.
(517) 923-2638 — Call FreeRenters insurance is already cheap — but most tenants miss out on stacking discounts that can drop the rate even lower. Here's what to ask about.
Combining renters with your auto insurance is the single biggest discount available — often saving more on auto than the renters policy costs.
Monitored alarms, smart locks, video doorbells, and smart smoke detectors all qualify for meaningful renters insurance savings.
Working smoke detectors, fire extinguishers, sprinkler systems, and gated buildings all reduce risk and earn discounts.
No prior renters claims? Insurers reward you with reduced premiums right out of the gate.
Paying your annual premium upfront — or enrolling in auto-pay — can shave another 5–8% off your rate.
Add up the rough value of your belongings — furniture, electronics, clothing, kitchen — and we'll show you a ballpark monthly rate.
*Estimates for a standard HO-4 policy in Michigan. Your actual rate may vary by city, building, and insurer.