Renters Insurance Resources Maryland Heights MO

Don’t go without renter’s insurance. It took time to collect your valuables. An unfortunate and unexpected event could take it all away unless you were smart enough o prepare in advance with a renter’s insurance policy. Here you will find renter’s insurance tips that will help you get the best insurance coverage at just the right price. Please scroll down for information and access to the local insurance agents in Maryland Heights, MO listed below.

The Bar Plan Mutual InsuranceCompany
(314) 965-3333, (800) 843-2277
St. Louis, MO
Prices and/or Promotions
States/Provinces Served: Indiana, Kansas, Missouri, New Mexico, and Tennessee

Lori Adams - State Farm Insurance Agent
(636) 916-5555
2225 Bluestone Drive
St. Charles, MO
Alternate Phone Number
Auto, home, life, health ins. Bank & investing. Retirement planning, annual reviews, debt reduction, benefit reviews. Loans, mortgages, checking/savings/money market/CD, financing & refi & home equity, credit cards

877 My Insurance
(314) 368-9125
14575 Manchester Rd
Manchester, MO
Select Insurance Group
(636) 410-6219
2046 Queens Brooke Blvd Ste 100B
Saint Peters, MO
Alternate Phone Number
Insurance services
Prices and/or Promotions
free insurance quotes

Partners Insurance Inc
(314) 919-2001
9201 Watson Rd, Suite 222
St. Louis, MO
(314) 919-2001
Prices and/or Promotions
(314) 919-2001

Brown Smith Wallace St Charles
(636) 255-3000
1520 S Fifth Street
St Charles, MO
Sortor State Farm Insurance Agency
(636) 532-0044
1795 Clarkson Rd, Suite 300
Chesterfield, MO
Mathenia Insurance Group LLC
(636) 922-5250
1405 Jungermann Rd Suite D
St Peters, MO
Alternate Phone Number
Insurance Agency - Personal and Small Business Insurance

COUNTRY Financial
(314) 570-3994
12250 Weber Hill Rd
Saint Louis, MO
Alternate Phone Number

Allstate-Kuhn Insurance Agency
(314) 843-4443
12982 Maurer Industrial Dr #D
St Louis, MO
Alternate Phone Number
All Lines of Insurance

Buying Renter's Insurance

By Julie Fishman

After college graduation, there are often a series of other graduations: Natty Ice to Bud Light; 1990 20” TV to 2007 42” Sony flatscreen; $150 canvas futon to $1,500 leather couch. But what happens to all of that accumulated wealth in the event of lightning or larceny

? It’s a common misconception that a landlord or condo association’s insurance will cover damage to a tenant’s goods in case of a catastrophe. Though the owner’s insurance will pay for structural building damage, it won’t protect personal property. Once you move into your place, you are personally liable for what goes on in the apartment. So how do you handle that responsibility?

The simple solution is renter’s insurance: like a condom, it’s low in cost ($150-300/yr) but high in benefits. Not only does it cover individual belongings, but it gives you a place to crash when your pad is trashed and covers liability in case of any injuries. Candles, robberies, volcanic toilets—the list of possible disasters is not only limitless, but, in the world of post-grad partying, not all that unlikely. Ultimately, $17 a month is a pretty cheap price to pay for peace of mind.

Disasters and Delinquents: What Does It Cover?

Most basic plans cover fire, lightning, theft, smoke, vandalism, and wind/hail storms. Included with some, or offered as an add-on, are damage due to floods, burst pipes, riots, aircraft and vehicles, freezing of plumbing, falling objects, explosions, volcanic eruptions, and weight of snow, ice, or sleet. If you're living in a flood-, hurricane-, or earthquake-plagued area, protection from those disasters may cost additional dinero. You should be able to tweak the plan to fit your needs, but sadly no plan will cover a drunk friend urinating in a Gucci-filled dresser drawer that he thought was the toilet (personal experience…except replace Gucci with Gap).

An Advantage in Adversity: What Does it Do?

  • Shields Your Stuff – Everything from a Dell computer to designer curtains can be covered by renter’s insurance. Pricey possessions, like grandma’s fur coat or grandpa’s Joe DiMaggio rookie card, may require an additional fee.
  • Provides a Provisional Pad – If a fire takes out the wall, you won’t have to relocate to a bench at the bus station. The policy will pay for temporary housing to a similarly priced pad or hotel, usually for up to 12 months until the repairs are made, rebuilding is completed, or a permanent abode is found.
  • Insures Injuries – When a soon-to-be-ex friend slips, breaks her pelvis and sues, renter’s insurance will help pay for medical and legal expenses. Renter’s insurance will not help find better friends.

Penny Wise: How Much Does it Cost?

Premium price depends on a number of factors, such as how much is actually insured, what area the digs are in, if any additional coverage is needed, and what insurance company is used. With no additional coverage, a plan will typically run $150-300/yrR...

Click here to read the rest of this article from

©2010 Gradspot LLC