Renters Insurance

Your stuff matters—even if you rent.

Affordable coverage for your belongings and peace of mind when you don’t own your space.



Renters Insurance is one of the most important ways to protect your property, assets, or business. At The Lapeer Agency, we help clients across Michigan find insurance options that work for their needs and budgets. With nearly a century of experience and access to multiple carriers, we deliver solutions that are tailored—not templated. Whether you’re exploring new policies or reviewing existing coverage, we make the process easy and informed. We take time to explain the details, answer your questions, and recommend options that offer lasting peace of mind. Our local agents are here to help you make confident, well-supported decisions every step of the way. Let’s get you covered the right way.

A man and a woman are sitting on the floor looking at a piece of paper.

What This Insurance Can Cover

Even if you don’t own your home, renters insurance plays a crucial role in protecting your belongings and your liability. These are the core areas covered by a solid renters policy:

An aerial view of a residential area with lots of houses and trees.
A white check mark in a black circle on a white background.

Personal Property Coverage

Reimburses you if your personal belongings are damaged, destroyed, or stolen.

A white check mark in a black circle on a white background.

Liability Protection

Covers injuries or damage you cause to others inside or outside your rental unit.

A white check mark in a black circle on a white background.

Loss of Use

Pays for temporary housing if your rental becomes uninhabitable due to a covered event.

A white check mark in a black circle on a white background.

Medical Payments to Others

Covers minor medical bills if a guest is injured in your rental, regardless of fault.

Frequently Asked Questions

Here are a few of the most common Renters Insurance questions we hear from Michigan clients.

  • Does my landlord’s insurance cover my stuff?

    No. Your landlord’s policy only covers the building—renters insurance protects your personal belongings.

  • Is renters insurance expensive?

    Not at all. It’s often less than a dollar a day for broad protection and peace of mind.

  • What if I move to a new apartment?

    Your policy can move with you. Just let us know your new address so we can update the details.

  • Are roommates covered by my policy?

    Usually not, unless they're named on the policy. Each roommate should have their own coverage.