Renters Insurance in Des Moines and Clive, Iowa
Everything you own, from your clothes and furniture to your electronics and sports gear, deserves protection. Absolute Insurance Agency, an independent agency in Clive, Iowa, helps renters across the Des Moines metro cover their belongings and shield themselves from liability, with agents who compare carriers to find the right policy at a fair price. Call 515-279-2722 to get covered.
What does renters insurance cover?
A renters policy covers your personal property against theft or damage, up to the limits and deductibles you choose, and that protection applies even when you are away from home. For a small additional premium, you can add full replacement cost coverage, which pays to replace damaged or stolen items without a deduction for depreciation.
Does renters insurance cover liability and injuries to guests?
Yes. Your policy protects you and your family against certain bodily injury and property damage claims you are liable for, and it provides legal defense if you are sued after a covered loss, up to your selected limits. You can also add medical payments coverage, which pays for a visitor's medical expenses if they are injured at your residence, regardless of fault.
Does my landlord require renters insurance?
Often, yes. Many landlords and property management companies now require tenant or renters insurance. If you do not carry your own policy, some add a surcharge to your rent or require you to buy coverage through them, and that coverage may not actually protect your belongings. A policy of your own, placed by Absolute Insurance, protects what you own.
Can I save on renters insurance?
Yes. Ask about available discounts, including burglar alarm credits and an account credit when you package your auto and renters policies together. Whether you are starting out, between homes, or downsizing, Absolute Insurance helps you pick coverage that fits your needs and budget.
How do I insure jewelry, art, and collectibles?
Special valuables like jewelry, art, antiques, and collectibles often exceed standard policy limits. Ask about our Valuable Articles option, which provides broader coverage and no deductible in the event of a covered loss.
Get a renters insurance quote
Request a free quote online, call Absolute Insurance at 515-279-2722, or email service@insaia.com. Our agents compare options across 15 to 20 carriers to match you with the right coverage at a competitive price.
Frequently asked questions
It covers your personal property against theft and damage, your liability if someone is injured or their property is damaged, legal defense if you are sued after a covered loss, and optional medical payments for injured guests.
Iowa law does not require it, but many landlords and property managers do. A policy of your own protects your belongings, which coverage bought through a landlord often does not.
Ask about burglar alarm credits and the account credit for packaging your auto and renters policies together. An Absolute Insurance agent can find the discounts you qualify for.
