From Kansas City and St. Louis apartments to Springfield and Columbia rental homes, Kirksville college rentals to suburban townhouses — Brawner Insurance helps Missouri renters compare 50+ carriers to find affordable coverage starting at just $12/month.
Missouri renters face risks from severe weather (tornadoes, hail), apartment fires, and theft. With college towns like Columbia and Kirksville, plus major metro areas, MO has a huge renter population that often skips coverage they can't afford NOT to have.
As an independent agency, Brawner compares 50+ carriers to find Missouri renters the most affordable coverage. Most policies cost less than a streaming subscription — and protect thousands of dollars in belongings plus personal liability.

Whether you rent an apartment, house, condo, or duplex in Missouri, we shop multiple carriers to build the right renters policy for your needs and budget.
Get a Renters Quote →Brawner Insurance shops 50+ carriers so Missouri renters get affordable coverage that protects everything they own.
Get a Free Quote →660-665-1687 · 660-754-1000
A complete renters policy covers belongings, liability, and temporary housing. Here's what we help Missouri renters put in place.

Covers your belongings — furniture, electronics, clothing, appliances — against theft, fire, water damage, and other covered perils.
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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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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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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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Protects your belongings from theft and vandalism — both inside your rental and when traveling. Includes coverage for stolen items from your car.
Learn More →We tailor coverage to your bike, riding style, and budget — sport bikes to touring cruisers.
Talk to an Agent →Renters and landlords need very different policies. Here is who needs what.
Best for: tenants wanting to protect belongings and liability affordably.
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.
Compare My Options →We will review your situation and recommend the right renters or landlord coverage.
Get a Free Review →660-665-1687 · 660-754-1000
Rental situations change. Here are the moments to check in.
Many landlords now require renters insurance. Get coverage in place before you sign — it is often cheaper than you expect.
A new address means a new policy rating. Update your carrier immediately to keep coverage valid.
Expensive electronics, jewelry, or art may need scheduled coverage beyond the base policy limit.
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.
We learn about your needs, current coverage, and priorities so we can recommend the right renters policy.
We shop your renters across top carriers to find competitive pricing and the right fit.
We walk through coverages, limits, and exclusions in plain language — no jargon.
We handle the binding, paperwork, and stay available year-round for claims and questions.
Practical guidance to help you make confident insurance decisions.
Learn why constantly switching providers can create risks and what to consider instead.
Watch on YouTube →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 →We start by understanding your situation, needs, and budget so we can recommend the right renters policy for you.
We compare renters policies from multiple top carriers, explaining coverages and costs in plain English.
Once you choose a policy, we handle the paperwork and make sure everything is in force.
Brawner Insurance is here all year for claims, billing questions, and annual reviews — you have a real advocate.
See why renters across the Midwest trust Brawner Insurance.
"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."
"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."
"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."
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.
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.
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.
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.
Renters insurance covers many perils but excludes flood and earthquake. Separate policies are available for these risks. Brawner Insurance helps you understand the gaps.
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.
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
As an independent agency, we offer the full range of insurance solutions for families, farms, and businesses — all under one roof.
Cars, trucks, and SUVs — coverage that fits your driving life.
Learn MoreProtect your house, belongings, and personal liability with the right policy.
Learn MoreExtra liability protection above your home and auto policy limits.
Learn MoreProtect your family financial future with term and whole life policies.
Learn MoreProtect farm buildings, equipment, and livestock with comprehensive coverage.
Learn MoreBOP, cyber liability, workers comp & commercial auto for businesses.
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