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Renters Insurance · Bradley Insurance Solutions

Your landlord's policy covers the building.
Not your stuff. Not you.

One fire. One break-in. One burst pipe. If it happened tonight, everything you own is on you — unless you have your own policy. Renters insurance is simpler and more affordable than most people expect.

See My Options → What's covered ↓
Liability, belongings + living expenses Options starting under $20/mo Meets most lease requirements Multiple carrier options
the plot twist
63%
of renters have zero coverage. 6 out of 10 people in your building.
the price check
$19
average monthly cost. Most guess over $80. It's one takeout order.
the myth
52%
think their landlord covers their stuff. The landlord's policy covers the building. Full stop.
gen z check
21%
of Gen Z have renters insurance. 35% have phone protection. Your phone isn't filing a liability claim.

What's covered

Three coverages. One policy.

A standard renters insurance policy bundles three protections most renters don't realize they're missing.

Personal Liability

You accidentally damage the property or someone gets hurt. This pays so you don't have to — up to $300,000.

  • Legal defense costs
  • Medical payments to others
  • Damage to others' property
  • Incidents that happen in your unit

Your Belongings

Everything you own — covered anywhere in the world for the most common threats. Up to $95,000.

  • Fire, smoke, and explosions
  • Theft and vandalism
  • Water and ice damage
  • Lightning, wind, and hail
  • Artificial electrical current

Additional Living Expenses

If a covered event makes your unit unlivable, this covers where you stay while repairs happen.

  • Hotel and temporary housing
  • Meals and daily essentials
  • Continues until you can return

Who needs it

Sound like you?

Renters across IA, KS, MN, MT, NC, NE, and FL — here's what we hear most.

The New Grad

"I don't own enough stuff to insure."

Your laptop, clothes, furniture, and gear add up to $20,000+ faster than you think. And that's before the liability question.

The City Dweller

"The building has good security."

A burst pipe upstairs or a slip-and-fall at your place isn't a security issue — it's a liability issue. Good security doesn't cover that.

The Pet Parent

"My lease requires it anyway."

If it's in your lease, you need it or you're in violation. Coverage options for pet owners vary by carrier — that's where having an independent agent who can match you to the right one matters.

The Budget Watcher

"I assumed it cost way more."

Most people overestimate the cost by 5–10x. Average renters insurance runs about $19/month. The coverage is real — the price just isn't what you imagined it would be.

Get covered

Choose your carrier. I'll help you figure out the right fit.

As an independent agent, I work with multiple carriers — not just one. Each has strengths depending on your situation, budget, and what your lease requires. More options being added.

ePremium Policy in 5 Min

Best for renters who need coverage fast, have dogs, or have had past issues getting coverage elsewhere. Guaranteed acceptance, no credit check, policy issued instantly.

  • Under 5 minutes to bind
  • Guaranteed acceptance
  • No credit or background check
  • All dog breeds approved
  • Any zip code, any address
  • Monthly or annual payment
Quote with ePremium →

More carriers coming

Additional options will appear here as I add them. Contact me to discuss what might be the right fit for your situation.

Talk to Sarah →

More carriers coming

Not sure which policy fits your lease requirement or budget? I can match you with the right option.

Email Sarah →

Have a question first?

Sarah Bradley — licensed in IA, KS, MN, MT, NC, NE, and FL. Real person, real answers. No call centers, no hold music, no plot twists.

📞 319.529.3778 ✉️ insurance@thinkbradley.com covermebradley.com
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