Affordable Protection for Where You Live
Renters insurance protects your personal belongings and liability when you rent an apartment, duplex, or house. While your landlord insures the building itself, your belongings - and your responsibility if someone is injured - are up to you.

For renters in Morehead, including campus-area housing, downtown apartments, and small-town rentals across Rowan County, renters insurance is a simple, low-cost way to protect yourself.
What's Included in a Renters Policy
Personal Property Coverage
Helps replace belongings like furniture, electronics, clothing, and household items if they're damaged or stolen - even outside your home in many cases.
Renters Liability
Provides protection if someone is injured in your rental or if you accidentally damage someone else's property.
Loss of Use
Helps cover temporary living expenses if your rental becomes uninhabitable due to a covered loss.
Common Exclusions
Floods and earthquakes are typically excluded, and high-value items may need additional coverage. We'll explain what applies to your situation.
Renting for the First Time? Start Here
Quick checklist:
Confirm whether your landlord requires renters insurance
Estimate the value of your belongings
Ask about roommate coverage (often separate policies are best)
Check pet or dog-related liability considerations
Many parents are surprised how affordable renters insurance is - especially when bundled with auto insurance.
Bundle Renters & Auto Insurance
Combining renters and auto insurance often means:
Lower overall premiums
One agent to call
One renewal timeline
We'll help you explore bundling options without sacrificing coverage.
Information Needed for a Quote
Rental address
Approximate value of personal belongings
Vehicle info (if bundling)
Pets or roommates (if applicable)
Protect Your Belongings Today
Renters insurance is easy to set up and easy to afford. Let us help you get covered quickly.
