Renters insurance is affordable and accessible in Illinois, so it’s truly unfortunate when an uninsured loss happens simply because someone wasn’t aware they could be protected. Always shop for a new insurer every year as another insurer may offer you similar covers at much lower rates. Your deductible; Homeowners whose deductible is $200 pay more in premiums than those whose deductible is $500. Prior claims history; If you have made more than 2 claims within 3-5 years, your premiums will be much higher compared to homeowners who have made no claims.
There are a number of optional coverages available that do not form part of the standard tenants package but should be given some serious consideration when buying insurance. Sewer backup coverage, for instance, is designed to help protect you and your belongings in the event of damage as a direct result of your sewer backing-up. Earthquake coverage, on the other hand, provides coverage for a loss or damage caused by an Earthquake. Renters insurance, personal umbrella liability policies and pet liability insurance may all be options, but it’s confusing to navigate just what you need. Property damages can be costly, but the major area of concern is injuries inflicted by your dog to other pets or to people.
For example, premiums can increase if the property is located in a flood zone or if tenants need to cover high-value items like jewelry or electronics. Keep in mind that the tenant’s overall cost may increase depending on how much coverage you require them to carry, and in some areas you may also be required to maintain comparable liability coverage. This will cover a tenant if they are found liable for injury to another person or damage to another person’s property. Learn why you should and can require renters insurance and how to address the topic with your tenants. Call Nationwide at On-Your-Side and get your California renters insurance quote today. The Comprehensive Form provides coverage from a range of events, such as storm damage, unless specifically excluded by the policy.
You should still think about home contents insurance for tenants to protect your own belongings. Contents insurance can be purchased through a personal lines insurance broker, agent, direct from an insurance company, or online. They may be able to offer you a new policy for nursing home coverage with reduced contents amounts or specialized coverage. Allstate is a renters insurance provider that offers policies in the San Antonio area. Its policies can be customized to include the coverage and features you need to protect your possessions. The company offers discounts for having multiple policies, installing security devices, being retired or being a claims-free customer.
Depending on your income and other assets, you’ll want to consider more liability insurance to keep your finances safe should you be found at-fault for injuries or damages. If a tenant’s child damages property, it will generally be covered by a renters liability insurance policy. Should someone get injured on your tenant’s property and sue your tenant, the tenant’s liability insurance policy may pay for legal costs up to the policy limit. If a dishwasher floods the unit, for example, the insurance policy covers the damages, and will pay for the replacement cost of any of the tenant’s belongings that may have been damaged. If you own or are considering owning one of these breeds , you need to ensure your pooch will be covered. Many insurance companies have certain breeds they won’t cover even if they offer dog liability insurance for renters.
You’ll also want to consider that the cost to fix the items may also include the cost of labour of a tradesperson, not just the items themselves. For example, if you accidentally damage the carpet and a replacement is necessary, you’ll need to factor in the cost of the carpet fitter’s labour. General liability insurance protects you against third-party claims such as property damage, bodily injury, or personal injury.
With RentSpree you can offer your renters answers to their questions about renters insurance and a streamlined process to obtain the coverage they need. In addition, you can take advantage of our services designed to keep you more informed about the status of your renters’ policies. Now, more than ever, it is vital that your tenants have the protection that renters insurance can provide. From liability protection for disc jockey liability insurance the actions of pets to relocation coverage in the event of a fire or natural disaster, renters insurance cost is a smart part of an overall personal financial plan. An Aircraft Renters Insurance Policy is an annual policy designed to protect you when flying aircraft that you have either rented or borrowed. Also known as a non-owned aircraft insurance policy, and typically written as a 1 year, annual insurance policy.
Average Renters Insurance Cost
It protects you from accidents like your children knocking over a vase or you putting your foot through the ceiling while cleaning the attic. The Plus bundle waives the deductible if your loss exceeds $50,000 and increases coverage limits, adding coverage for trailers, watercraft, pets, and business personal property. Standard renter’s policies cover only you and relatives that live with you. If your roommate is not a relative, each of you will need your own renter’s policy to cover your own property and to provide you liability coverage for your own actions.
the owners are legally responsible for anything that happens on their property. This letter was sent to protect themselves from litigation. Also if they don't do this their liability insurance premiums will probably go up. Sucks that they would pass this cost to the renters.
— ChrisF (@Plantheparade) January 28, 2020
This is true whether the incident occurs inside your home or not. Although your existing car insurance may cover your rental car, every policy is different. It’s best to call and find out all the details of your coverage —like the amount of your deductible and any other pertinent information—before picking up your rental.
Whats Covered By Renters Insurance And Whats Not?
HomeAway has recognized and endorsed Proper Insurance as our preferred comprehensive home insurance vendor in the U.S. We aim to help take some of the stress out of renting your home on the HomeAway family of sites. Most Vrbo stays are successful and positive, but on those rare occasions when an accident happens, we want to help our partners what is liability auto insurance to be prepared. Homeowner policies often don’t cover accidents during rental periods. Even if your policy offers some type of coverage against accidents, we want you to have extra protection for liability claims that result from accidents that occur during a stay. Compare the top renters insurance providers with Benzinga’s review.
Lower deductibles mean better protection but at a higher monthly cost. If your belongings are stolen, damaged in a windstorm or destroyed in a fire, this part of your policy would pay to replace them. Coverage is typically subject to a deductible and limited to specific scenarios named in your policy. To ensure you can replace the jewelry or other expensive items, you can purchase a separate endorsement (also known as a “rider”) to fully cover their value. The endorsement’s amount is set by you and can come with a separate deductible which is similar in amount as the deductible on your main policy. Where you live, among other factors, affects how much you’ll pay for apartment insurance.
What Are The Expected Costs Of Renters Insurance?
But, not all types of natural disasters are covered by standard renters insurance policies. In fact, two of the most common issues people might face, earthquakes and flooding, require separate policies entirely. While USAA’s renters insurance rates start at $12 per month, there are a variety of factors involved in determining what your rate will be. State Farm is a household name in the insurance world, known for its customer service and discounts. All of its renter’s insurance policies come with the standard coverages but may not offer coverage for your roommates or their belongings.
Access to expert lawyers with up to £50,000 of legal costs cover for you and family. Events covered include employment tribunals, damages for personal injury, jury cover, and more. This coverage provides protection if someone were to file a lawsuit against you, claiming you caused them bodily injury or damaged their property. Liability can protect you in situations that may be unforeseen, such as a friend twisting their ankle on a loose step. Liability coverage also covers certain defense costs—even if the lawsuit filed against you is false, groundless or fraudulent. Our affordable renter’s insurance options can provide you the security of knowing your items are protected.
If you are worried about your parked vehicle being damaged, we recommend taking out a comprehensive car insurance policy. In the event of theft or vandalism, you will need to file a police report before you can file an insurance claim. And as always, we recommend making sure you have high enough coverage to provide the protection you need. Renters insurance allows you to cover the cost to quickly replace everything from personal computers to living room furniture without breaking the bank. If you do require renters insurance for your tenants, make sure you specify in the lease the amount of coverage, specify the minimum policy requirements –such as $10,000, $20,000 or more. For example, if you run a business from your rented residence and you’re sued due to something related to your business, the personal liability portion of your policy likely won’t cover it.
Be sure the policy covers not only physical injury but also libel, slander, discrimination, unlawful and retaliatory eviction, and invasion of privacy suffered by tenants and guests. We sometimes offer premium or additional placements on our website and in our marketing materials to our advertising partners. Partners may influence their position on our website, including the order in which they appear on a Top 10 list. Partners may influence their position on our website, including the order in which they appear on the page.
Although renters insurance is typically less expensive than homeowners insurance, there are ways to save. Here are some of the easiest ways to reduce your costs, but remember that the cheapest renters insurance is not always the best. Generally, only claims filed in the past five years will affect your premium, although this varies by company. Actual cash-value coverage will reimburse you for the cost of your personal property at the time of the claim, minus the deductible.
If there were a fire that caused smoke damage or a pest issue that required fumigation, for example, your coverage would likely pay for a hotel room and meals. The standard deductible amount is $1,000 for homeowner, condominium owner or tenant insurance policies. You may be eligible to increase or decrease your deductible amount, which may impact your insurance premium. Since the deductible amount is what you pay out-of-pocket for a claim, it is important you choose an amount that you can afford if you ever need to make a claim.
You should check what the limit is on your pet liability coverage. Most standard policies offer $100,000 in liability coverage to start with, and you can purchase more if you need. Pet liability coverage works the same way as the other types of personal liability coverage provided by renters insurance. Renters insurance can be a blessing for pet owners, but it is important to make sure that your policy includes coverage for your particular pet or breed. Some insurance companies exclude pets, while others limit or exclude coverage for certain breeds.
And, it is possible that your homeowners policy has your situation adequately covered. Most companies don’t charge a fee for canceling your renters insurance policy, but check with your specific provider to confirm this is the case. During the term of the lease, the tenant is required to maintain commercial general liability insurance insuring the tenant against the liabilities occurring from bodily injury and damage to property . The Renters Insurance provides liability coverage for cases when the tenant or the additional insured is held legally responsible to pay for the damages to someone.
Worse, the Insurance Information Institute reports that the highest injury rate was for children between the ages of five and nine years old. More than half of these incidents occurred at home with dogs that the victim knows. Dogs are man’s best friend, which is why there are nearly 90 million dogs that have found homes in 63.4 million American households. I have a strong faith belief that utilization of the copyrighted materials referenced above as presumably infringing is not permitted by the copyright owner, its legal agent, or the legislation. I seek the removal of the infringing materials referenced above. Please be aware as a service provider, the Dmca requires you, to eliminate or deactivate access to the copyrighted content upon receipt of this notification letter.
There are policy limits for special items such as art collections and computers. You may purchase optional coverage to protect items like these. A Florida renters insurance policy can protect you from the unforeseen such as fire, theft, water damage, and wind damage. Also question is, how much liability insurance do I need on my rental property? Even if your existing insurance provider does not provide dog liability insurance, many other insurance providers will.
For example, if your dog bites a neighbour or a fire in your kitchen damages the unit next door, your personal liability coverage will cover the resulting expenses up to the policy limit. A renters insurance policy includes personal liability insurance as part of the package. It compensates you if you inadvertently or negligently cause harm to another person.
- For this reason, most carriers recommend separate renters insurance policies for each tenant.
- Home-sharing policies can cover your personal belongings, like appliances and entertainment equipment, from damage or theft.
- Some renters insurance policies provide limited coverage for medical costs if a guest is injured on the property.
- The offers that appear on this site are from companies from which TheSimpleDollar.com receives compensation.
Be sure you have adequate coverage before you rent out your spare bedroom or vacation condo on the beach. The last thing you want is to make extra money renting your property, only to have to cover expenses for damages out of pocket. You can also choose to add coverage to your landlord policy such as identity theft protection. First, you have to find an insurance provider that offers landlord coverage and you’ll also want to make sure your landlord coverage includes short term renters.
After building a personal profile, customers can use EverQuote to receive and compare renters insurance quotes from licensed agents in the Nashville area. The company also offers resources and articles to help customers determine what coverages they need. Nashville reviewers appreciate the number of policy options, but some mention excessive calls from agents. The security of your belongings in your rental apartment or house is always top of mind. Renters insurance protects you from financial loss; however, choosing a policy can be complicated.
It covers your belongings from theft, vandalism, or a disaster like a fire, but it covers you personally, too. Most policies include accidental death insurance for you and your family members that live with you, and the liability insurance protects you from damages from lawsuits, too. So, if someone hurts themselves in your home, you aren’t liable for medical damages or any damages a court might hand down if you have homeowner’s insurance. A medical injury and/or lawsuit can be incredibly costly, so insurance is just a good idea. Ask your property manager or landlord about their insurance policy. Typically, a property manager or landlord’s insurance policy covers the structure and the physical property, but it does not cover the tenant or any of the tenant’s belongings.
Renters insurance policies can vary greatly from one company to the next, so make sure to get several online quotes when securing yours. Renters insurance can cover you if you have a pet that bites someone or destroys someone’s property. It can also protect you from the liability you might have if someone is injured while visiting your home. Obviously, none of us plan to get into this situation but it happens. Instead of being forced to sell assets to pay these costs, your liability protection should be large enough to cover this.
Tampa is prone to flooding from tropical storms and hurricanes, so additional coverage for flood damage might be worth it. Some policies will cover your possessions outside the home – but usually you’ll need to add this. Cover for items outside your home is often called “Personal possessions” or “Personal belongings”. You can check your policy to see if this cover is included as standard or needs to be added . The level of cover you’re looking for, which includes the estimated value of your possessions, is a significant part of calculating your premiums.
Coverage for costs of financial recovery if someone uses your financial data or social security number fraudulently. Young Alfred doesn’t sell your personal information to other companies. It only partners with companies rated A- or higher by financial rating firms A.M. Lucid Motors Merger Rumors – Faraday Future Lucid Reportedly In Talks Over Deals To Go Public Via Reverse Mergers / Lucid is a luxury mobility company reimagining what a car can be.
A. Yes, most renters polices include what is called Off-premises coverage. This means that belongings that are outside of your home are also covered against the same disasters listed in your policy. However, there are generally dollar limits on the amount you can be reimbursed. For example, if you have $25,000 worth of personal possessions insurance, you may be covered for up to $2,500, or 10 percent of the total.
Personal liability will also cover potential damages, including legal defense costs, for occurences where you may be found legally liable. Cover for your liability as a tenant for the landlord’s fixtures and fittings. It helps to protect you and your family in the event of a lawsuit. We did some research for you to compare the cost of insurance providers offering tenants liability insurance. If the tenant wants their contents covered they can purchase renters insurance from your preferred provider though surevestor. Another thing a standard tenant’s insurance policy doesn’t cover is flood damage.
The Hartford® is The Hartford Financial Services Group, Inc. and its property and casualty subsidiaries, including Hartford Fire Insurance Company. Even the most well-trained and tame dogs can get aggravated from time to time. This video by F.I.D.O. gives you some signs to watch out for with your dog, so you can nip his aggressive behavior in the bud before it’s too late. To sustain this free service, we receive affiliate commissions via some of our links. A sturdy, high-quality dog house can offer shelter from all the elements. The joy a dog can bring to your family is priceless, but the reality is that owning a dog comes with ongoing costs.
How To Get Low Cost Renters Personal Liability Insurance http://t.co/t5tdKGn
— Ying Cutten (@Rhiannon68585) September 12, 2011
She said she was good and all three roommates were getting one policy. Remember, you are not going to get a discount on your auto insurance just because your roommate has renters insurance, right. Click on our link for fast cost calculation of your renters insurance online. No matter what happens on the property, both parties are entitled to compensation.
Take an inventory of your items to determine how much coverage you actually need. In most cases, your pet is covered for injury or property damage to others under the personal liability coverage portion of your renters insurance policy. If you have an exotic pet or a breed of dog that is often considered aggressive, your policy may not cover that pet and you might have to purchase additional coverage. Of the two main renters insurance coverages liability insurance coverage for small business — personal property and personal liability — the personal liability portion of renters insurance covers third-party damage or injury caused by your pet. This means you are only covered if your pet hurts others or damages others’ property, while you and your property are not covered. When you purchase a renters insurance policy, you’ll have to decide on a liability coverage limit, and you’ll be responsible for expenses above that limit.
If the policy does not provide enough, the children may have more negotiating power to obtain favorable rates by asking if an endorsement can be added for contents of the parent in the nursing home. Also ask about liability coverage, because this is most likely a separate option. The typical policy includes $100,000 in liability coverage, but you should purchase additional coverage if the value of your belongings exceeds this amount. While 95% of homeowners have some form of homeowners insurance, only 41% of renters have renters insurance, according to a recentInsurance Information Institute poll. That means nearly two-thirds of renters don’t have the protection they’ll need if disaster strikes.
In contrast, replacement cost value policies reimburse you for the cost of replacing your property, even if that cost is greater than the actual value of your item. Like Allstate, State Farm also offers renters insurance at an inexpensive rate. Allstate policies cover personal property like computers, TVs, electronics, furniture, clothing and more due to burglary, fire, smoke damage and sudden and accidental water damage. You can save on insurance by bundling renters and auto coverage with State Farm. Covered loss events include theft, fire, vandalism, smoke damage, hail and windstorm damage, falling objects and damage from malfunctioning appliances.
Umbrella policies typically cost between $150 to $350 per year and provide an additional $1,000,000 in general-purpose liability protection. Each additional $1,000,000 in coverage that you add will increase your yearly premium by $50–$75. To get an umbrella policy, call up your insurance company and ask if they offer one. However, some renters insurance companies limit how much financial coverage they’ll provide for pet liability. For instance, your policy might provide $300,000 in liability coverage but only $25,000 in pet liability coverage. Renter’s liability insurance isn’t that expensive, and it’s worth it for the peace of mind it can bring to you.
Renters Insurance is underwritten by Markel American Insurance Company, Waukesha, WI. The advertised product is not available in AK and RI. Claims and coverage subject to policy, language, limits and exclusions. There’s a lot more to renters insurance than protecting landlords against kitchen fire damages. The Liability coverage amount of renters insurance should not be less than Three Hundred Thousand Dollars ($300,000) per occurrence. This is an important clause in the lease and failure to maintain the required renter’s insurance coverage is the breach of the contract and is subject to all the available remedies under the law. When you own a rental property, there can be anything that can go wrong with the property.
One added benefit is the On Your Side Review, which allows you to get a personalized review of your insurance to ensure that you have the right coverage and are getting all possible discounts. Below you’ll find renters insurance offers available from our advertising partners, followed by our complete in-depth list of the best renters insurance companies we’ve found. Landlords and rental agents can conveniently track the individual tenant’s renters insurance coverage through the RentSpree dashboard. Through RentSpree, rental agents and landlords can reach out to renters and notify them of their renters insurance coverage requirements. Fortunately, renters insurance doesn’t have to be complicated to obtain or expensive to maintain.
There’s good news if you’ve exhausted your basic renters insurance options. A growing number of specialized insurance companies now offer separate dog liability insurance – and some even cover the so-called “bad dog breeds” . In some cases, landlords will only accept your pet if you show proof that you’ve purchased separate dog liability insurance. Protect your personal possessions with a great renters insurance policy.
The offers that appear on this site are from companies that compensate us. This compensation may impact how and where products appear on this site, including, for example, the order in which they may appear within the listing categories. But this compensation does not influence the information we publish, or the reviews that you see on this site. We do not include the universe of companies or financial offers that may be available to you.
Additional Living Expenses Coverage will help you pay for additional costs that are both necessary and reasonable in a situation where you are forced to leave your home following a covered loss. All-Risk insurance covers your belongings for losses caused by a wide range of risks aside from some explicitly mentioned exclusions in the policy. A single lawsuit or settlement could bankrupt your business five times over. Many companies and government agencies won’t do business with your company until you can produce proof that you’ve obtained one of these policies. Tanning beds, massage, and electrolysis services can result in injury.
If you have children under 21, a spouse, or other family members living with you, they can be included in the policy, so they are covered in the case of injury or accidents. If so, does this car insurance cover damage to or your use or operation of a rental car? Contact your agent and determine what types of coverage your policyoffers you when renting a car. Make sure to ask specifically about liability, comprehensive and collision coverage. Before you decide what cover you’ll need, look carefully at the fixtures, fittings and contents that belong to your landlord in the property.
When you’re calculating your monthly budget necessities like rent, utilities, food and transportation probably make it to the top of the list. However, renters insurance is just as important as — and often more affordable than — most of these expenses. Even with the affordability of insurance, many renters go without and leave themselves exposed to a huge financial risk. In this post we outline the cost of buying a policy on any budget. Some landlords may require you to list them on your renters insurance policy before you can move in. Get another easy discount just by paying for your renters insurance policy in full and upfront.
Save 1% for every year you’ve had your home insurance with BCAA (up to an additional 10%). With over 1,200 earthquakes every year in BC, whether it’s a tremor or when the big one hits, you’ll want to protect your home and your belongings. We recommend you get quotes from some or all the companies on this list. And be sure to request any special policy provisions that may apply in your own situation.
FLIP offers commercial kitchen insurance coverage for vendors and owners. Whether you are renting out your commercial-grade kitchen or preparing food for your next event, make sure your business is protected with commercial kitchen insurance. Suppose your friend comes to visit you one day, and accidentally trips and falls. If they file a lawsuit against you, your coverage will also cover a portion of the cost. Scheduled personal propertyHigh-priced property coverage beyond the limits of personal property coverage.
But if you’re looking for a broad range of coverage options, they may still be the choice for you. For some renters, renters insurance is a useful tool that can hasten recovery from an unfortunate incident and lessen the financial impact of theft, property damage, and liability. But the ultimate decision should be reached after careful examination of your situation and priorities. These policies come with low to moderate deductibles between $300 and $500 and high coverage limits (more than $50,000). It’s a good idea to complement this type of policy with an emergency fund, which a growing family should probably have anyway.
Additionally, there are certain zip codes with higher risk climate and weather patterns, which can also influence how much renters insurance costs. Most standard rental property insurance policies include property and liability coverages. Prices may increase based on how much liability or personal property coverage you choose to include. Doubling liability doesn’t affect premium costs the same way that doubling personal property protection does.
A grease fire in your kitchen, for example, damages the unit next door. A guide to renting an apartment to help you understand what you and your landlord are responsible for. The above is meant as general information and as general policy descriptions to help you understand the different types of coverages.
As always, it’s a good idea to always check local and state laws before adding a clause that requires rental insurance to your lease. We offer live chat support on our website,with TD Insurance Advisors ready to help you. We can guide you through any questions you might have about tenant insurance. Policies are underwritten through APOLLO Insurance Solutions Ltd and services are independently provided by licensed brokerages across Canada, including APOLLO Insurance Agency Ltd. Availability of the APOLLO Exchange and the products described herein are subject to applicable eligibility requirements, including jurisdiction, and other terms and conditions.
Water damage to the floors and walls of a salon from drain/sewer backup can be expensive to repair. A policy or rider covering these perils is a good option for salon owners. Workers in nail salons often breathe in toxic chemicals daily, affecting their health. Workers compensation can help salon owners protect themselves in the event a claim is lodged against them. Beauty shops are subject to state regulations to reduce the possible spread of disease.
We researched the best renters insurance in Nashville to help you find affordable coverage from a reliable provider. Insurance companies often offer discounts on renters insurance if you have another policy with them for your car or business. You can also get discounts if your apartment has a security system, smoke detectors or deadbolt locks. More discounts might be available depending on your age or whether or not you smoke. The liability portion of a renters policy pays for both the cost of defending you in court and for court awards, up to the limit of the policy.
In this case, these items, like furnishings or other items listed in your inventory, would be covered by your tenants insurance. This eliminates the hassle of depositing a check small business liability insurance quote and allows our customers to withdraw cash immediately. This is one of the many solutions we’ve put in place to improve the customer experience with Security First Insurance.
The liability portion applies if you hurt someone or damage their property. The insurance provider steps in to pay the claimant’s medical bills, so you pay almost nothing out of pocket. Most insurance policies have a limit on these items and won’t compensate you if the property loss exceeds that threshold. You can get renters insurance coverage within minutes of getting your quotes and applying. Renter’s insurance is an insurance policy that protects your property and possessions. Approximately 40% of renters have one as a safeguard against theft and natural disasters.
Just fill out the form at the top of this page and provide a few details about you and your place. Then we’ll find you the cheapest renters insurance rates available. You may also be able to use your liability coverage if someone gets injured at your rental unit due to your own negligence. For example, if your dog bites a guest and the guest needs medical treatment, your liability coverage may be able to cover the costs of those medical bills.
As the dog owner, your exact liability depends on your state’s laws. But if you have a dog of any kind, personal liability insurance can provide a financial safety net in the event of an incident. Liability is included in most renters insurance plans, but there are some situations in which additional coverage could be an extra benefit.
If you’re in an area with a higher crime rate, or somewhere that’s vulnerable to flooding, you may find that cover is more expensive. If you use your home as a place of work, any contents which apply to your business will need to be covered by business contents insurance. High-value items – if you have belongings which exceed your standard policy’s single-item value limit, you’ll need to take out extra cover to protect the item against theft and damage.
Unless it’s required to prevent further damage, don’t clear, clean, or perform other tasks until you have authorization from the insurance company. Depending upon where you live, you may want to look into extra coverage for natural disasters such as flood, earthquake, or wind and hail. Not all renters policies include coverage for these losses; ask a GEICO Insurance Agency agent for more information. If you have a home business, like a small baby-sitting business, this insurance helps protect you against liability claims related to your business.
The best move is to have enough coverage that you would be able to replace all of your possessions if they were to be suddenly destroyed or stolen. Listing out all of your belongings, along with their values, is a good place to start. Going further and keeping things like receipts and serial numbers can help make things go smoothly if you ever have to file a claim. Covered property can include everything from electronics and furniture to jewelry and clothing, and knowing your property’s value can help you select a policy that has adequate coverage. Ellis Insurance Agency is a San Antonio broker that provides renters policies from the area’s top insurance providers. Compare policies and coverage to find the plan that’s right for you.