Renters Insurance

Protect What You Own & Value

Whether you’re landing temporarily in a rental unit/home or you’re landlording, what you own needs to be protected by insurance.  Rental insurance and Landlord insurance policies need to cover everything that a homeowner’s policy or commercial property policy covers, except the insurances and liabilities are shared between the owner and the renter.

Renters insurance extends beyond standard apartment renters insurance and home rental insurance to short-term renting such as for college students, “VRBO Insurance” and Event Insurance (e.g. Wedding Insurance).  Learn more below how Burkhart-Presidio can meet your specific needs with our reputable selection of carriers and high level of customer care.

Competitive Pricing Advantage

When you contact Burkhart-Presidio about a renters or landlord insurance policy, you’ll be working with experienced agents.  We know the personalized questions we need to ask to make sure your entire property and/or possessions are protected, as well as your personal liability.

Ultimately, we are looking for the best price and coverage for your specific needs .

Instead of just trying to sell a policy based on price like some of the major, national providers, we first make sure you are protected according to your needs.  The result is that often-times, your coverage will be better for the same price or less!  And, that’s good news for all renters and landlords!

Responsive to Claims

We know that when it comes to getting a response from your insurance company on claims that you want and need your issues taken care of ASAP.

Our team works with you to help ensure your rental property and liability claims are handled with the utmost priority and as fast as possible.

We only work with the best of the best when it comes to customer care and continuously evaluate the providers we represent.

What Type of Insurance do You Need?

What are you renting? Are you the renter or the landlord?

(Michigan, Indiana, and Florida)

Rental insurance is typically very economical.  In fact, you’ll see plenty of options with large insurance providers starting at just $5/mo to lure you in!  At Burkhart-Presidio, we’ll make sure you know what you’re getting (and not getting) for your money.   Just like with homeowners insurance, it comes down to the types and value of your material possessions, as well as your risk tolerance.

Whether you are renting a college dorm room, an apartment, a townhome, a single-family home, or luxury property Burkhart-Presidio agents will help customize the perfect policy for you.

And, of course, just like with homeowners insurance, ask us about discounts that may be available to you, such as:

  • Bundling renters insurance with your auto insurance
  • Discounts for carrier loyalty
  • Discounts for good credit
  • Discounts for security systems and smoke detectors

Some things to consider when you are evaluating rental insurance include:

  • Do you have expensive computer or camera equipment? Possibly even a home office (link to business insurance)?
  • Do you travel with your tech?
  • Do you have a side gig you run from your rental, such as a studio or home office?
  • What is the value of Personal Property?
  • Do you have people who help manage your rental unit, such as babysitters and house cleaners?
  • Is identity theft or cyber security a concern for you?
  • Do you need a place to stay if your rental unit became inhabitable due to fire or weather damage?
  • How much personal liability coverage do you need for visitors to protect yourself if they are injured in your rental?

Contact Burkhart-Presidio today  and let’s see which policy from our highly- rated insurance partner carriers is of optimal value and price for your needs.

Protecting Your Personal Property When You Rent

Good news….Most, if not all, of your personal property and collectibles will be covered by your renters insurance policy.  If you have something of notable value, you may want to schedule it separately via inland marine insurance, which can expand your homeowners policy to protect your investment.

Types of items to consider are jewelry, fine art, silverware, collections (like stamps and coins), golf equipment, computer equipment, and musical instruments.

Here are a few things to think about while we’re discussing the best rental policy for you and coverage of your personal items.

  • There are no limits on your property insurance for things like fire, weather damage, or damage due to civil unrest. However, there are limits for theft and loss, which should be considered for portable items of high value and theft or loss risk.  Scheduling items provide an “all risk” coverage that follows your property anywhere.
  • When there is a fire or natural disaster, your personal items are replaced at the cost and value of purchasing new items. Collectibles and antiques that have higher value than new items should be looked at for scheduling.
  • If there is a fire or natural disaster that damages your belongings, your standard home policy coverage will replace the items at the cost/value of new items. If you have collectibles and antiques that are valued at a higher cost than a new replacement, you’ll also want to consider scheduling these items separately on your renters insurance.

Ask us About Discounts!

Most of our insurance carriers offer multiple item discounts. Bundle and Save

Additionally you may qualify for other discounts depending if you are the renter or the landlord.  Ask us how we can help you save!

Did You Know You Could Get a Refund – Just by Switching to a Better Renters or Landlord Policy?

You can switch insurers at any time, for any reason.  At Burkhart-Presidio, we aim to make that process easy and see if we can save you money and even get you a pro-rated refund!  We’re happy to speak with you and see if one of the insurance companies we work with has a better plan for you.

Contact us or give us a call to see what we can do for you!

If you decide to make a change, our agents will help you get all the required paperwork completed and make sure you are sent any refunds owed to you by your previous provider for insurance you have previously paid.

The BP Difference

You’ll always know what’s covered and what’s not covered before you sign any policy. And, throughout the life of your policy, Burkhart Presidio will help ensure our Providers follow through on their commitments to you, our valued Customer.