Renters Insurance
Renters Insurance – Protect Your Belongings in Tennessee Rentals
You don’t have to own your home to protect what’s inside it. At Queener Insurance, we help renters across Morristown, Jefferson City, and surrounding Tennessee communities get affordable renters insurance that covers their belongings and personal liability. Whether you’re living in an apartment near Carson-Newman University or renting a house in East TN, we’ll make sure your coverage fits your needs and your lease.
Why Every Renter Should Have Insurance
Just because your landlord insures the building doesn’t mean your stuff is covered. If a fire, theft, or water damage strikes your rental, it’s your responsibility to replace everything inside—from electronics and furniture to clothing and kitchenware.
Renters insurance also provides liability coverage if someone is injured in your apartment or if you accidentally cause damage to the property. Plus, many landlords in Tennessee now require proof of renters insurance as a lease condition—especially in larger apartment complexes or student housing.
The best part? Renters insurance is one of the most affordable coverages available—often costing less than a night out.
What Renters Insurance Actually Covers
Here’s what a standard renters insurance policy includes:
- Personal Property Coverage – Reimburses you for belongings lost to fire, theft, or other covered events. This includes items like laptops, TVs, clothes, bikes, and furniture—even if they’re stolen from your car or storage unit.
- Liability Coverage – Pays for medical bills or legal expenses if someone is injured in your rental or you accidentally damage someone else’s property.
- Loss of Use – Helps pay for a hotel or temporary housing if your rental becomes uninhabitable due to a covered claim.
- Medical Payments to Others – Covers smaller injuries that happen to guests on your property, even if you’re not liable.
From basement apartments to upper-floor walkups, we’ll make sure your rental and lifestyle are covered.
Affordable Coverage & Smart Savings
We understand cost is key for renters—especially students and first-time tenants. We work with multiple carriers to find you a low monthly premium, and we’ll apply every discount you qualify for, including:
- Bundling with Auto Insurance
- Claims-Free Discount
- Smart Home or Fire Safety Devices
In many cases, the
auto discount offsets the cost of your renters insurance, making it an easy, budget-friendly decision.
Coverage for Students, Roommates & Shared Spaces
Renting an off-campus apartment in Jefferson City or living with roommates in Morristown? Renters insurance is just as important—maybe even more so. We offer policies for:
- College Students – Especially those living in off-campus housing or renting their first apartment.
- Roommates – Most renters policies only cover the person named on the policy and their immediate family. We recommend each roommate get their own policy for full protection.
Parents, if your student is headed to school, renters insurance can protect their laptop, textbooks, and more—even away from home.
Support When You Need It Most
If the unexpected happens—fire, theft, or other loss—we’re here to help. We’ll walk you through filing your claim and guide you through the process. Whether it's filing a police report for a stolen bike or arranging temporary housing after a kitchen fire, you won't have to figure it out alone.
Request a Renters Insurance Quote Today
Getting a quote is quick and easy. All we need is a few details about your rental—address, type of dwelling, and an estimate of the value of your belongings. Most policies start with $20,000–$30,000 in property coverage, and we’ll help customize yours from there.
If you already have car insurance through us, bundling renters insurance can take just a few clicks—and might save you money on both.
Is renters insurance required in Tennessee?
The state doesn’t require it by law, but many landlords do require tenants to have renters insurance (they might ask for proof as part of the lease). Even if it’s not required, it’s a smart way to protect yourself and your belongings – and it’s very affordable.
Will renters insurance pay my rent if I can’t stay in my apartment?
It won’t pay your rent directly, but it does include Loss of Use (Additional Living Expenses) coverage. That means if a covered disaster (like a fire or severe water damage) makes your rental uninhabitable, the policy will pay for you to stay somewhere else temporarily (hotel or short-term rental) and other extra costs. This can indirectly cover what you need while you can’t use your rented home.
How much renters insurance do I need?
You should at least have enough personal property coverage to cover all your belongings – think about the cost to replace your wardrobe, electronics, furniture, etc. A common amount is $20,000-$30,000, but we’ll help you add up an estimate. Liability coverage of $100,000 or more is usually standard and we recommend that to protect you from lawsuits or accidental damage you cause. We’ll tailor the policy to fit your situation.
Does renters insurance cover my roommates?
Typically, a renters policy covers the policyholder (and usually their spouse if married). Roommates should each get their own policy – it’s usually not much, and that way everyone’s belongings and liability are individually covered. If you have a family member as a roommate, they can sometimes be added – ask us for specifics and we’ll make sure you’re all properly insured.
Can I bundle renters insurance with my car insurance?
Yes! In fact, bundling is highly encouraged. If you have an auto policy through us, adding a renters policy could not only protect your stuff but also give you a discount on the auto premium with many carriers. We often see clients essentially get renters insurance for a few dollars a month after the auto discount – it’s a no-brainer for comprehensive protection.
