Renter’s Insurance


We specialize in getting you the best renter’s insurance coverage possible.

Many people don't know or understand the full options out there, and of course, these options are also changing all the time. 

See below for a full Q&A on Renter’s Insurance, but first, here's an example of how we handled one recent case. 

With tornadoes taking out a wide swath of central Crawford County just north of Crestline last October, it pretty much goes without saying that the team at Parr Insurance had their hands full with claims, anxious customers, and claims adjusters.

Here is a letter we received from a client following those tough days, used here with permission:  

Eric Parr,

Just wanted to take a moment to thank you and Sheila for your help in getting our water damage claim settled. I had no intent to call you in the beginning knowing that this would all be handled by the insurance company's claims department.

However, it became evident very quickly that the adjuster had no intention of settling this claim. I made the call to you and asked for help and in three or four days the adjuster's supervisor called me and we were able to complete settlement on the phone. 

I am certain, that without your help, our claim would not have been settled in the timely manner that it did get done. Thanks again to you and to Shiela for your help. I appreciate your stopping by recently to discuss the situation and make sure we are satisfied with the outcome. 

Thank You!

Dick and Deb Algire

Frequently Asked Questions About Renter’s Insurance


What does Renters Insurance Cover?

Personal Property – this will protect your belongings in case of a covered loss

Liability Protection – this will help protect you in the event someone is injured in your home and then files a lawsuit.


Is there a waiting period when I purchase Renters Insurance?

No, coverage will begin as soon as you pay the initial payment on the Policy


If I have a loss will my hotel stay and incurred expenses be covered?

Yes, there is a loss of use endorsement that will cover those expenses.  The policy deductible may apply to loos of use claims.


Is Renter’s Insurance Affordable?

Yes, because you are only insuring your personal property


Am I required to have Renter’s Insurance?

Some Landlords require renter’s insurance, which is to protect you and your personal property.  We suggest all renters have the insurance to insure you and your personal property is protected.


Will Renter’s Insurance cover flood damage?



I don’t really own that much do I really need Renter’s insurance?

Yes, most people have more personal property than they realize.  If you take into consideration all of you and your family’s furniture, bedding, linens, clothing, possible appliances, cookware, decorations, etc., it definitely adds.  If you had to go out and replace it, it would be extremely costly.


My Landlord Has Insurance why do I need it?

Because the Landlord’s insurance covers the dwelling itself and any personal property inside that belongs to the Landlord.  If you are a Renter, you’re on your own.


How much do I need coverage for?

As much as you’d like.  Most carriers sell personal property coverage in blocks of $5000 or $10,000.  Some carriers have a minimum requirement of $10,000 on a Renter’s policy.