Your landlord insures the building, but only you can protect your personal belongings. Get complete property and liability coverage for less than the cost of a couple coffees a month.
Whether you rent a house in Lafayette County or an apartment near the University of Mississippi campus, replacing your wardrobe, computer, television, and furniture after an unexpected disaster would cost thousands. Renters insurance ensures you never have to start from scratch.
Full replacement cost for electronics, clothing, furniture, musical instruments, and jewelry against theft, fire, smoke, and water pipe bursts.
Your property is covered even when you travel—if your laptop or backpack is stolen from your car or hotel, your renters policy steps in.
Shields you if a guest trips in your apartment or if you accidentally cause property damage to a neighboring unit.
Covers hotel stays, emergency housing, and food expenses if a fire or burst pipe renders your rental temporarily uninhabitable.
Adding renters insurance to your existing auto policy often activates a bundle discount large enough to cover the renters policy cost.
We Compare Rates Across 15+ Top-Rated National Carriers
As an independent agency in Oxford, MS, we shop the market to find you the strongest policy at the lowest premium.
Helpful answers about tenant coverage in Oxford and North Mississippi.
No. Your landlord's policy only covers the physical building structure. If a fire, burst pipe, or break-in occurs, your personal furniture, electronics, clothing, and computers are NOT covered unless you have your own renters insurance policy.
Renters insurance is extremely affordable—often averaging just $12 to $20 per month (less than 50 cents a day). If you bundle it with your auto insurance, the multi-policy discount on your auto policy can sometimes offset the entire cost of renters coverage.
If a student lives off-campus in Oxford apartments or rental homes, a renters policy protects their laptop, phone, textbooks, bicycle, and personal belongings from theft or damage, while providing personal liability coverage.
If your apartment or rental house becomes uninhabitable due to a covered peril (such as an apartment fire or severe storm damage), Loss of Use pays for temporary hotel accommodations, extra food costs, and relocation expenses.
