Do you need homeowner’s insurance or renter’s insurance? It may be obvious that if you are insuring a home you own, you need homeowner’s insurance, whereas if you are insuring property where you are renting, you need a renter’s insurance policy. But does it ever make sense to buy a homeowner’s policy when renting, and what are the differences between the two?
The most notable difference between renter’s vs. homeowner’s insurance is that homeowner’s insurance must have a provision for the physical structure you live in. If something damages the structure itself, homeowner’s insurance will pay for it. Since as a renter, you don’t own the building, you naturally do not need such a provision.
Since you are not paying for coverage to the structure, which can carry a considerable premium, your renter’s insurance should naturally be considerably cheaper than a homeowner’s policy. The point of renter’s insurance is primarily to protect the personal property you keep inside the unit you are renting from someone else.
If you have some of your items housed in a storage facility, the owner of the storage facility will probably require that you have some kind of insurance to protect them. If you have renter’s insurance, you can provide proof of this insurance for this purpose. If not, you will probably have to buy some kind of personal property insurance in order to sue the storage unit.
If you are renting a home from someone, even for a short period of time, they may require that you have renter’s insurance as a condition of the lease. This is for both of your protection, as, if something happens to your belongings, you will have recourse via your policy, and they hope to avoid getting sued.
Whether you own your own home and are looking for homeowner’s insurance or you are looking for home insurance for renters in Missouri, David Pope Insurance can help. As a local, family-owned business with over 20 years of experience in the insurance world, we have a detailed understanding of what Missouri residents’ needs are with respect to both homeowner’s and renter’s insurance policies.
We use our provider network and insurance knowledge to find you the lowest possible premiums while still making sure you have the protection you need. We also work much faster than many other insurance agents, and we are often able to provide a quote and answer your questions the same day, so you can get your policy and protect yourself and your property as quickly as possible.
If you are in need of a homeowner’s insurance policy, a renter’s policy or any other type of insurance in Missouri, we’re ready to help you right away. Just give us a call at 636-583-0800 or contact us online.
Rick BaileyVery helpful and knowledgeable staff. Answered all my questions in a timely fashion.Always finds me the best rates and coverage.
Robbie BaileyDavid Pope and his son are wonderful people 10 outta 10.
George HodakNever had a bad experience. Every time I have called with a question or update they have been accommodating. Proactively they have contacted us with better insurance ideas.
Philip GerberYour insurance brokerage always finds me the best rates, unlike going with just an agent for an insurance company. When my rate went up with another insurer, you immediately found a better price with a different carrier. The transition was seamless.
Jim ArnoVery helpful with giving me options for insurance. Helped with transition from my past insurance company.
Jonathan MitchellMy home and auto insurance kept going up and my old insurance agency just said that’s the way it is. They saved me about 40% on my home insurance while keeping coverage the same and still saving me money on my auto. VERY happy I made the move.
Kristy HulseyCustomer service is exceptional! Anytime I have a question or need help with anything, whether by phone or email communication, they get back with me promptly and always have an answer. Excellent at finding a way to get the best rate possible as well – which is important!
Travis OwensThe staff is very knowledgeable and the rate I received was excellent. Got BIG savings compared to my last insurance provider.
Yvonne HeinzThe customer service is fantastic and the price is a great value.
Union AmbulanceVery knowledgeable and gets us the best price on insurance.
Justin HulseyI could not be more happy with the service my family and I receive with David Pope Insurance. They are always very helpful and prompt. I highly recommend!
Pauli AnschutzI am very happy with the service my family receives with David Pope Insurance. I highly recommend!
Brandon BealIt has been a great experience. I have received help when needed and have never been bothered with a lot of phone calls or mail/emails. Friendly people doing a good job!
Jaron BondIt was easy and simple to setup my home and auto insurance. No complaints here at all.
Oakley CorbinGreat! I’ve gotten good service and they found me an amazing deal on issuance for both my business and vehicles!
Alan EakerDavid was very easy to work with and get switched over to the new insurance wit great pricing!!
Andrew CapkovicThis guy just keeps saving me more and more money. Last year he saved me 500 dollars on my car insurance alone and a couple hundred on homeowners. I call him because the rates went up on my renewal. Before I could even say anything Zach (guy who answers the phone) says yeah we already found you someone lower. Come in to set up the new provider. The best service for insurance broker I’ve ever had in my life. I guarantee I will never go to anyone else but David Pope insurance.
Jacqueline WardWhen I was reviewing the options for auto and home insurance with coverage for four teen drivers, myself and my husband- David Pope was able to find the best option to craft an affordable plan for our family; no one else even came close to the options this agency was able to design.
Ali KExcellent rates and coverage but that’s just the beginning. The service is absolutely outstanding! Every time I have a question, I get a thorough and prompt response. Every time my coverage needs change, my needs are taken care of immediately. I can’t recommend David Pope highly enough!
Gayle BDavid Pope Insurance Services is a great firm to work with. Very knowledgeable and fast to respond to all of your needs. They had my quotes ready in no time and I was able to sign on the dotted line that same day. Very convenient. I work with David initially, then had the pleasure of working with Zack. Both took great care of my needs. Highly recommend these professionals.
Mary FI have been doing business with David Pope for many years. He’s reliable & absolutely looks out for us every time we need him. He always goes the extra mile. My daughter and my brother also use him & have been satisfied also. I recommend him whole heartedly.
Steve KThis agency is very responsive. Had insurance with one company who substantially raised our home owners rates. They came to me saying they could find a better package rate that would save us money on home and auto. It is a breath of fresh air to have agents who do so without being asked! Further, had a question that wasn’t urgent on Easter Sunday. Sent it via email and received a reply that day. Can’t ask for better than that!
Nicole BMy experience with your company was amazing! From my first call requesting a quote to my most recent call requesting your company to print out our vehicle insurance cards. Employees were always positive, never made me feel rushed, customer service was superb! Thank you for making a new customer to your company feel so welcome!