Renters Insurance – Densmore Insurance Strategies, Inc

Renters Insurance in Iowa

Protect your belongings and peace of mind with affordable renters insurance. Coverage starts as low as $15/month for comprehensive protection.

Your Belongings Deserve Protection

Many renters assume their landlord’s insurance covers their personal belongings—but it doesn’t. Your landlord’s policy only protects the building structure, leaving your furniture, electronics, clothing, and valuables completely unprotected.

Renters insurance provides essential coverage for your personal property, liability protection, and additional living expenses if your rental becomes uninhabitable. Best of all, it’s one of the most affordable insurance policies you can buy.

Average monthly cost

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Claims satisfaction

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Full Coverage

From $15/month

What Renters Insurance Covers

Comprehensive protection for your belongings and liability at an affordable price.

Personal Property

Covers your belongings like furniture, electronics, clothing, and appliances against theft, fire, vandalism, and other covered perils.

Liability Protection

Protects you if someone is injured in your rental or if you accidentally damage someone else’s property.

Additional Living Expenses

Pays for temporary housing, meals, and other expenses if your rental becomes uninhabitable due to a covered loss.

Medical Payments

Covers medical expenses for guests injured at your rental, regardless of fault—helping avoid potential lawsuits.

What Renters Insurance Covers

Renters insurance protects your belongings against a wide range of perils. Here are the most common covered events:

Fire & Smoke

Lightning

Windstorm & Hail

Water Damage

Theft & Burglary

Vandalism

Explosions

Falling Objects

Vehicle Damage

Power Surges

Ice & Snow

Building Collapse

What's Excluded

Like all insurance policies, renters insurance has some exclusions. Understanding these helps you plan for additional coverage if needed.

Flood damage (separate policy required)

Earthquake damage

Pest infestations

Normal wear and tear

Intentional damage

Roommate's belongings (unless listed)

Need Flood Coverage?

We offer separate flood insurance policies to protect against flood damage. Ask us about bundling options.

Why Every Renter Needs Insurance

Don’t wait until it’s too late. Here’s why renters insurance is essential.

37%

of renters have coverage

Most renters are unprotected

$20K

average belongings value

What you could lose

$180

average annual cost

Less than $15/month

1 in 5

renters file a claim

Within 5 years of renting

Landlord's Policy Won't Cover You

Your landlord's insurance only covers the building structure—not your personal belongings inside.

Incredibly Affordable

For about the cost of a streaming subscription, you can protect thousands of dollars in belongings.

Liability Protection

If someone gets hurt in your apartment or you accidentally damage property, you're covered.

Temporary Housing Covered

If a fire or other disaster makes your place unlivable, we'll cover your hotel and meals.

Coverage Travels With You

Your belongings are protected even when you're traveling or your laptop is stolen from your car.

Often Required by Landlords

Many landlords now require renters insurance as part of the lease agreement.

FAQ

Frequently Asked Questions

Get answers to common questions about renters insurance.

How much does renters insurance cost in Iowa?

Renters insurance in Iowa typically costs between $12-$25 per month, depending on your coverage limits, deductible, location, and the value of your belongings. Most renters can get solid coverage for around $15/month—less than the cost of a streaming subscription.

How much renters insurance coverage do I need?

We recommend doing a home inventory to estimate the total value of your belongings. Most renters have $20,000-$50,000 worth of personal property. For liability coverage, $100,000 is a good starting point, though $300,000 provides better protection. We’ll help you determine the right amounts.

Does renters insurance cover my roommate?

No, standard renters insurance only covers you and your belongings. Each roommate needs their own policy unless you’re married or domestic partners. Some policies allow you to add a roommate, but they’ll need to be specifically listed on the policy.

What's the difference between actual cash value and replacement cost?

Actual cash value (ACV) pays what your item was worth at the time of loss, minus depreciation. Replacement cost pays to replace items with new ones of similar quality. We recommend replacement cost coverage—it costs slightly more but provides much better protection.

Does renters insurance cover theft from my car?

Yes! If your laptop, camera, or other belongings are stolen from your car, renters insurance typically covers the loss (minus your deductible). However, damage to the car itself would be covered by your auto insurance.

Will renters insurance cover my pet?

Renters insurance liability coverage typically includes dog bite liability, but some breeds may be excluded. Damage caused by your pet to your own belongings usually isn’t covered. We can help you understand your policy’s pet-related coverage.

How do I file a renters insurance claim?

Contact us immediately after a loss. Document the damage with photos and videos, make a list of damaged or stolen items with their values, and file a police report for theft. We’ll guide you through the entire claims process and advocate on your behalf.

Can I get renters insurance if I have bad credit?

Yes, you can still get renters insurance with less-than-perfect credit. While credit can affect your premium in some states, we work with multiple carriers and can find options that work for your situation. Don’t let credit concerns stop you from getting protected.

Free Quote

Request Your Free Renters Insurance Quote

Protect your belongings for as little as $15/month. Fill out the form and one of our licensed agents will contact you within 24 hours with personalized coverage options.

Call Us

(515) 967-3390

Email

info@densmoreis.com

Address

85 Paine Street SE, Suite G, Bondurant, Iowa 50035

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Serving Renters Across Iowa

Based in Bondurant, we proudly serve renters throughout the Des Moines metro area and all of Iowa.