Christina Harper was very quick and efficient in finding me the best quote for my home and auto!
RENTERS INSURANCE MADE SIMPLE AND AFFORDABLE
CALL TODAY AND SPEAK TO AN INSURANCE EXPERT
SIMPLE, AFFORDABLE RENTERS INSURANCE
Harper Agency makes renters insurance easy. We help protect your belongings and provide coverage if someone is injured in your home. Your policy can cover furniture, electronics, clothing, and other personal items after a covered event like fire, theft, or water damage. It can also help with additional living expenses if you cannot stay in your home after a loss. We explain everything in plain language, provide clear pricing, and deliver proof of insurance quickly—perfect for landlords or property managers.
OUR RENTERS INSURANCE PROCESS
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Start With the Basics
Tell us your address, the value of your belongings, and whether you have roommates or pets. We use this information to select coverage limits that fit your needs and budget. -
Compare Options Side by Side
We shop multiple insurers and present options side by side, showing personal property limits, liability coverage, deductibles, loss-of-use benefits, and optional add-ons like jewelry or pet liability. -
Activate And Stay Protected
You e-sign online and receive proof of insurance immediately. If you move or acquire new belongings, we update your policy to ensure your coverage keeps pace with your life.
WHAT YOU CAN EXPECT
6 THINGS TO KNOW WHEN GETTING RENTERS INSURANCE
KNOW WHAT A RENTERS INSURANCE COVERS AND WHAT IT DOESN’T
A standard renters insurance policy usually includes personal property, personal liability, and loss of use. Personal property pays to repair or replace your stuff after a covered event like fire or theft, often even if it happens away from home. Liability helps if you accidentally injure someone or damage their property, and loss of use helps with hotel and meal costs if you cannot live in your place after a covered loss. Common exclusions include flooding from rising water, earthquakes, wear and tear, and pest damage, so ask what is not covered.
CHOOSE REPLACEMENT COST OVER ACTUAL CASH VALUE
Replacement Cost pays what it takes to buy a new item of like kind and quality. Actual Cash Value subtracts depreciation, so you may get far less for older furniture, electronics, or clothes. Replacement Cost usually costs a bit more each month, but it makes claims much easier to recover from. If you must start with ACV to fit your budget, plan to upgrade to Replacement Cost at your next renewal.
PICK LIMITS AND A DEDUCTIBLE THAT FIT YOUR BUDGET
Add up the value of your belongings so your personal property limit is high enough. Watch for category sublimits on jewelry, bikes, cameras, and collectibles, since those caps can be low. Pick a deductible you could pay tomorrow without stress, because that is the amount you cover before insurance pays. Review your limits each year if you move, furnish more rooms, or buy new gear.
SCHEDULE HIGH-VALUE ITEMS AND ADD THE RIGHT RIDERS
High-value items such as engagement rings, fine art, music gear, or high-end bikes often need to be scheduled, which lists them with their own limits. Scheduled items can bypass low sublimits and sometimes have no deductible. Helpful add-ons include water backup, identity theft, equipment breakdown, or special coverage for jewelry and collectibles. If you have a dog, ask about pet liability and any breed restrictions.
CONFIRM WHO IS COVERED AND SET STRONG LIABILITY LIMITS
Policies cover you and relatives who live with you, but roommates usually need their own policies. List your landlord as an additional interest if they want proof of coverage, which does not change your protection but keeps them informed. Choose liability limits that reflect your risk, and many renters select 300,000 dollars or 500,000 dollars rather than the minimum. Ask about medical payments coverage too, which can handle small injuries without a liability dispute.
GET READY FOR CLAIMS AND SAVE MONEY
Make a home inventory with photos or a quick video and store receipts in the cloud, since this speeds up claims and helps you pick the right limits. Learn how to report a claim, what documents you will need, and typical timelines for inspection and payment. To save money, ask about discounts for bundling with auto, having smoke alarms or monitored security, going claim free, or paying annually. Compare quotes with the same limits and deductibles so you are looking at true apples to apples.
WHAT OUR CLIENTS ARE SAYING
Happy to com back to Farmers and people like Gisselle are the reason! She was just amazing and patient to get me through the process which took a few days!
Christina has been such a huge help! I’m grateful for all that I’ve learned from everyone in her great office and for the help getting all my insurance needs taken care of! I highly recommend her if you are looking for insurance for home, auto or your life insurance!
Christina was able to find every discount she could for me to get full coverage again after the rates doubled last year, I was so happy to have full coverage on my car again and it’s all thanks to Christina, she is a consummate professional, and just a real kind person on top of that.
I couldn’t be more pleased with The Harper Agency’s exceptional attentiveness and helpfulness. Christina’s dedication to addressing my concerns promptly and providing clear, thorough assistance has made my experience truly five-star. I highly recommend their services to anyone seeking reliable and customer-focused insurance support!
The people here are always really nice and friendly, kind of like an extended family. They are so easy to do business with.
OUR AWARDS AND HONORS
