Personal Insurance
If you're renting your home, this covers your belongings, not the building itself.
Coverage for tenants — your personal belongings and your own liability — distinct from the landlord's policy on the building itself.
No obligation. Starting a review does not change or bind any coverage.
What's going on
If you're renting a house, apartment, or condo, renters insurance is yours, not your landlord's. Your landlord's policy covers the structure; it doesn't cover your belongings or your own liability as a tenant. If you've just moved into a rental anywhere in the Kansas City metro, or you're not sure whether you're covered at all, this is where to start.
Why it matters
Your landlord's insurance covers the building. It does not cover your furniture, electronics, or clothing if there's a fire, theft, or water damage, and it does not cover you if someone is injured inside your rental unit. Renters insurance addresses both: your personal property and your own liability as a tenant. It's also often required by the lease itself.
Things worth considering
Points we would talk through with you. Which of them apply depends on your situation, and what you do about them is your decision.
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Does your lease require renters insurance?
Many landlords require it as a condition of the lease. It's worth checking your lease terms before you're asked to provide proof of coverage.
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How much would it cost to replace your belongings?
A rough inventory of what you own — furniture, electronics, clothing — helps determine what coverage amount makes sense for your situation.
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What liability coverage applies to you as a tenant?
If a guest is injured in your rental unit, or you accidentally cause damage to the property, this is what your renters policy would address, separate from your landlord's coverage.
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Does your policy cover belongings away from home?
Many renters policies extend some coverage to your belongings when they're not in your rental unit, such as items in your car or with you while traveling.
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What would happen if your rental became temporarily uninhabitable?
Some renters policies include coverage for additional living expenses if you have to stay elsewhere after a covered loss. It's worth asking whether yours does.
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Do you have any high-value items?
Jewelry, musical instruments, or other high-value belongings may need to be discussed separately, since a standard policy may cap coverage for certain categories.
Information on this website is general in nature and is not a complete description of any insurance policy or every coverage option that may be available. Coverage availability, terms, conditions, limits and exclusions vary by insurer, policy and individual circumstances. The issued insurance policy and applicable endorsements control coverage. Beacon Point Insurance Group may provide information regarding available insurance options and discuss coverage considerations based on information you provide, but customers are responsible for selecting the carrier, coverages, limits and deductibles they wish to purchase. No insurance coverage is bound, changed, or canceled through this website unless confirmed by Beacon Point Insurance Group or the applicable insurer.
How this tends to come up
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A lease requiring proof of coverage
A tenant moving into an apartment in the Kansas City metro was asked by their landlord to provide proof of renters insurance before move-in. They hadn't shopped for a policy before and started with a review of what they'd need.
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Assuming the landlord's policy covered their belongings
A renter in Independence experienced water damage from a pipe leak and assumed the building's insurance would cover their damaged furniture. It didn't — that's what their own renters policy would have addressed, which prompted them to get coverage going forward.
We Learn. We Compare. We Explain. You Decide.
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We Learn
We ask questions about your situation and the insurance you currently carry.
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We Compare
Based on the information you provide, we can obtain and compare available options from the insurance companies we represent.
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We Explain
We help you understand important differences in coverage, limits, deductibles, policy terms, and price.
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You Decide
You select the company, coverages, limits, deductibles, and options you want to purchase.
What working with us is like
The part people tend to mention is that someone explained it and then let them decide.
More personal coverage
Let's find the options that work for you.
No obligation. Starting a review does not change or bind any coverage.