✉ admin@brawnerinsurance.com 📱 Kirksville: 660-665-1687 📱 Kahoka: 660-754-1000
Renters Insurance  ·  MO  ·  IA  ·  KS  ·  IL

Affordable Protection. For Everything You Own.

Your landlord's policy only covers the building — not your stuff. We help renters across Missouri, Iowa, Kansas, and Illinois get affordable coverage starting at just $12/month from 50+ carriers.

★★★★★5.0 Rating
|
50+ Carriers
|
MO, KS, IA, IL
|
80+ Reviews
Apartments & HousesRenters in any property type
Independent AgencyWe shop 50+ carriers
4 States CoveredMO, KS, IA, IL
Local SupportTwo Missouri offices
Why It Matters

Why Renters Insurance Is Essential

Most renters think their landlord's insurance covers them — it doesn't. Landlord policies only cover the building structure. Your furniture, electronics, clothing, and personal belongings? That's all on you. One fire, burst pipe, or break-in could cost you thousands to replace.

As an independent agency, Brawner compares 50+ carriers to find renters affordable coverage that protects belongings, includes personal liability, and covers temporary housing if you're displaced. Most policies cost less than a coffee per day.

Motorcycle insurance protection
$12+per month for solid renters coverage
50+carriers we shop for the best renters rate
Same Daybinding — often in under an hour

Whether you rent an apartment, house, condo, or duplex — renters insurance is one of the cheapest and most valuable forms of protection you can buy.

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Protect everything you own.

We'll find affordable renters coverage that fits your budget — comparing carriers and getting you protected fast.

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660-665-1687  ·  660-754-1000

Coverage Options

Renters Coverage Through Brawner

A complete renters policy covers your belongings, liability, and temporary housing. Here's what we help renters put in place.

Liability Coverage

Personal Property

Covers your belongings — furniture, electronics, clothing, appliances — against theft, fire, water damage, and other covered perils.

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Collision Coverage

Personal Liability

Pays legal and medical costs if someone is injured in your rented home or you accidentally damage someone else's property.

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Comprehensive Coverage

Loss of Use

Covers temporary housing, hotel costs, and meals if your rental becomes uninhabitable after a covered loss like fire or storm damage.

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Uninsured Motorist

Medical Payments

Pays medical bills for guests injured in your rental home — regardless of who was at fault. Covers minor injuries quickly without lawsuits.

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Gear and Accessories

Theft & Vandalism

Protects your belongings from theft and vandalism — both inside your rental and when traveling. Includes coverage for stolen items from your car.

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Every Rider Is Different

Build your policy.

We tailor coverage to your bike, riding style, and budget — sport bikes to touring cruisers.

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Your Options

HO-4 Renters vs. Landlord Policy — Which Do You Need?

Renters and landlords need very different policies. Here is who needs what.

Option 1

HO-4 Renters Insurance

  • Purchased by the tenant for their belongings
  • Covers personal property, liability, and loss of use
  • Very affordable — often $15-25 per month
  • Does not cover the building itself
  • Covers theft, fire, water damage to contents
  • Required by many landlords as lease condition

Best for: tenants wanting to protect belongings and liability affordably.

Option 2

Landlord Dwelling Policy

  • Purchased by the property owner
  • Covers the building, liability, and lost rent
  • Does not cover tenant belongings
  • Available on single or multiple rental properties
  • Higher premium than owner-occupied home policy
  • Essential for any rental property owner

Best for: property owners who rent out homes, condos, or small multi-family buildings.

Whether you are a renter or a landlord, we will make sure you have the right policy.

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Not sure which coverage is right for you?

We will review your situation and recommend the right renters or landlord coverage.

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660-665-1687  ·  660-754-1000

Key Moments

When to Review Your Renters Coverage

Rental situations change. Here are the moments to check in.

Signing a New Lease

Many landlords now require renters insurance. Get coverage in place before you sign — it is often cheaper than you expect.

Moving to a New Place

A new address means a new policy rating. Update your carrier immediately to keep coverage valid.

Buying Valuables

Expensive electronics, jewelry, or art may need scheduled coverage beyond the base policy limit.

Adding a Roommate

Who is covered under your policy matters. Brawner helps you structure coverage fairly between roommates.

Planning Tip: Renters insurance is one of the best values in insurance — protection for belongings and liability at a very low monthly cost.

Our Process

How We Help You Protect Your Rental

1

Review Your Situation

We learn about your needs, current coverage, and priorities so we can recommend the right renters policy.

2

Compare Carriers

We shop your renters across top carriers to find competitive pricing and the right fit.

3

Explain Your Options

We walk through coverages, limits, and exclusions in plain language — no jargon.

4

Set Up and Support

We handle the binding, paperwork, and stay available year-round for claims and questions.

Featured Insights

Insurance Insights & Education

Practical guidance to help you make confident insurance decisions.

Video

Why Shopping Insurance Every Year Can Hurt Your Fire or EMS District

Learn why constantly switching providers can create risks and what to consider instead.

Watch on YouTube →
Video

Introducing the ResponderShield Desk Series — Real Insurance Conversations

Real conversations about coverage, risks, and solutions for clients across the Midwest.

Watch on YouTube →

Looking for guidance specific to your needs?

Schedule a Consultation →
Getting Started

How Renters Coverage Works

1

Free Consultation

We start by understanding your situation, needs, and budget so we can recommend the right renters policy for you.

2

Plan Comparison

We compare renters policies from multiple top carriers, explaining coverages and costs in plain English.

3

Easy Enrollment

Once you choose a policy, we handle the paperwork and make sure everything is in force.

4

Year-Round Support

Brawner Insurance is here all year for claims, billing questions, and annual reviews — you have a real advocate.

Client Reviews

Trusted by Clients Across Missouri, Iowa, Kansas & Illinois

See why renters across the Midwest trust Brawner Insurance.

★★★★★
5.0
Based on 80+ Google Reviews
Daniel Goodman
★★★★★

"If you are shopping for peace of mind with insurance contact Caitlin Howe at Brawner. Not to mention correctly written policies, surprisingly good rates and excellent customer service."

Alyssa Baker
★★★★★

"Caitlin Howe at Brawner Insurance was very helpful, and made sure everything was done perfectly. She made the process stress and worry free. Best insurance agent hands down I have worked with."

Corey S
★★★★★

"Brawner recently quoted our district insurance. Jacob was professional and easy to work with. The Board of Directors chose VFIS through Brawner for the best and cost efficient coverage."

View All Reviews on Google →
Common Questions

Renters Insurance FAQ

What does renters insurance cover?

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Renters insurance covers your personal belongings, personal liability, and additional living expenses if your rental becomes unlivable. It does not cover the building itself — that is your landlord's responsibility. Brawner Insurance helps you choose limits.

How much does renters insurance cost?

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Most renters policies cost $15-25 per month. Price depends on your location, belongings value, and deductible. Brawner Insurance shops multiple carriers to find the best rate.

Is renters insurance required?

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Many landlords now require tenants to carry renters insurance as a lease condition. Even when not required, it is one of the best values in insurance. Brawner Insurance helps you meet lease requirements affordably.

Does renters insurance cover roommates?

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Most policies cover only the named insured and family members. Roommates typically need their own policies. Brawner Insurance can structure coverage fairly for any living situation.

What about natural disasters?

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Renters insurance covers many perils but excludes flood and earthquake. Separate policies are available for these risks. Brawner Insurance helps you understand the gaps.

Can Brawner Insurance help me find the right renters insurance policy?

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Yes — as an independent insurance agency, Brawner Insurance shops your renters insurance coverage across multiple top carriers to find the right protection at a competitive rate. We work with clients across Missouri, Iowa, Kansas, and Illinois.

Get renters coverage in minutes.

Brawner Insurance helps renters across the Midwest protect their belongings and liability with affordable renters insurance — with unbiased advice from independent agents.

Get a Free Quote →

660-665-1687  ·  660-754-1000

Visit Us

Our Office Locations

Kirksville, MO

2605 N. Baltimore St., Kirksville, MO 63501

660-665-1687

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Kahoka, MO

465 S. Johnson St., Kahoka, MO 63445

660-754-1000

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