Protect Your Personal Property

Your landlord’s insurance covers the building — not your belongings or your responsibility if something goes wrong inside your rental.

Renters insurance helps protect you financially if there’s a fire, theft, accident, or other unexpected event in your Ankeny home.

What Renters Insurance Covers

Renters insurance helps protect you from everyday situations that can quickly become expensive.

  • Your belongings: Furniture, clothes, electronics, and jewelry if they’re damaged by fire, storms, or theft — even if items are stolen from your car.

  • Liability protection: If someone is hurt while visiting your rental or you accidentally cause damage to another person’s property.

  • Temporary living expenses: Hotel stays and meals if your Ankeny rental becomes unlivable after a covered loss.

  • Accidental damage you cause: For example, if a kitchen fire or water leak spreads to another unit.

Most renters are surprised by how affordable this coverage is — and how much it can protect.

Modern apartment complex in Ankeny, IA, covered by renters insurance from Adamson Insurance & Associates

Why Renters Insurance is Essential

You work hard for what you own, and losing it all to an unexpected event isn’t something anyone plans for. While you may not own the property, your belongings—and your financial security—are worth protecting.

Here’s why renters insurance makes sense:

  • Covers What Matters – From electronics to furniture, renters insurance helps you replace what’s lost due to theft, fire, or accidental damage.

  • Protects You from the Unexpected – Accidents happen. If a visitor gets injured in your home or you unintentionally cause damage, you’re covered.

  • Keeps You on Your Feet – If an emergency forces you to leave your rental, insurance helps with temporary housing and unexpected costs.

  • Gives You One Less Thing to Worry About – Knowing you’re covered means fewer financial worries and more peace of mind.

Life is unpredictable—but protecting what you own doesn’t have to be. Renters insurance helps you stay prepared, no matter what comes your way.

INSURE WHAT MATTERS MOST. GET A QUOTE TODAY.

We never charge for an insurance review. Call or stop in today.

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Protecting Your Assets

Just as we tailor Home Insurance to homeowners, we work with tenants to find the perfect Renters Insurance policy, ensuring comprehensive asset protection. Depending on an individual’s coverage, their insurance could protect their assets one of two ways: Actual Cash Value (ACV), which insures items for their current worth, or Replacement Cost, which pays for the replacement of damaged items with brand new pieces. We also discuss liability coverage and how a policy could benefit a renter in a “loss of use” situation.

Once we have determined appropriate coverage, we turn to our trusted carriers for affordable premiums.

Related Coverages

Answers to Common Renters Insurance Questions

Renters insurance in Ankeny is typically very affordable, and the exact cost depends on your coverage limits, deductible, location, and claims history.

Many renters are surprised at how low the monthly premium can be compared to the cost of replacing their belongings.

A local agent can provide a personalized quote based on your needs.

The cost of renters insurance is based on factors such as your coverage limits, deductible amount, location, claims history, and any optional endorsements you choose.

The more coverage you select, the higher the premium may be. An agent can help you balance protection and affordability.

Even in a small apartment, the cost to replace furniture, clothing, electronics, and everyday items can add up quickly.

Renters insurance is often inexpensive compared to the potential out-of-pocket expense after a fire, theft, or accident.

For many renters, it’s a simple way to protect their savings.

In many cases, renters can lower their premium by choosing a higher deductible, adjusting coverage limits, or bundling policies.

Discounts may also be available depending on the insurance carrier.

Reviewing your options with a licensed agent can help you find cost-saving opportunities.

Some insurers provide a price break when you combine your renters and auto coverage under one policy provider.

Bundling can simplify your policies and may reduce your overall premium. Savings and eligibility vary, so it’s best to compare options with an agent.

Most renters insurance policies include coverage for theft, even if the item is stolen outside your rental, such as from your car or while traveling.

Coverage limits and deductibles apply, and high-value items may require additional protection.

A licensed agent can review how your policy would respond in this situation.

Liability coverage in many renters insurance policies can help if your pet causes injury to someone or damages someone else’s property.

However, certain breeds or situations may have restrictions depending on the carrier.

It’s important to review your specific policy details to understand how pet-related incidents are handled.

Electronics like laptops, TVs, and tablets are typically included under personal property coverage in a renters policy.

The amount paid depends on your selected coverage limits and deductible, and certain high-value items may have separate coverage caps.

An agent can help you choose coverage that fits the value of your belongings.

Most renters insurance policies cover sudden and accidental water damage, such as a burst pipe inside your rental.

However, damage caused by flooding or ongoing maintenance issues is typically not covered under a standard policy.

Reviewing your coverage options can help clarify what protections are included.

Renters insurance generally covers accidental fire damage to your personal belongings and may include liability protection if you are responsible for damage to others. Intentional damage is not covered.

Coverage details vary by policy, so it’s important to review your options with a licensed agent.

Renters insurance typically includes liability coverage that can help with medical costs or legal expenses if someone is hurt in your rental and you’re found responsible.

Your protection depends on the coverage limits you select and the specific terms of your policy.

A licensed agent can review your situation and help you choose coverage that fits your level of risk and budget.v

Many renters insurance policies provide liability protection if you accidentally cause damage to another apartment, such as from a cooking fire or an overflowing sink.

The extent of coverage depends on your policy limits and the circumstances of the loss.

Reviewing your coverage with an agent can help ensure you’re properly protected.

If you’re sued after a covered incident, liability protection in a renters policy may help pay for legal defense costs and potential settlements, up to the limits of your coverage.

Not all situations are covered, and limits apply. An agent can help you evaluate whether your current coverage provides adequate protection.

The right amount of coverage depends on the value of your belongings and how much liability protection you want.

A good starting point is estimating how much it would cost to replace everything you own.

A licensed agent can help you review your options and choose coverage that fits your situation.

Your deductible is the amount you pay out of pocket before your insurance coverage applies.

A higher deductible usually lowers your monthly premium, while a lower deductible may reduce your out-of-pocket cost after a claim.

An agent can help you find a balance that works for your budget.

In many cases, renters insurance can be set up quickly, sometimes even the same day, depending on the carrier and your information.

The process is typically simple and only takes a few minutes to complete.

A licensed agent can explain the process and help you understand when your coverage would take effect.

Coverage often begins on the effective date you choose once the policy is issued and payment is arranged.

The exact start time depends on the carrier and your selected policy details.

Confirming the effective date with your agent ensures there are no gaps in coverage.

Even if your landlord doesn’t require renters insurance, you may still be responsible for your belongings and liability inside the rental.

Many renters choose coverage to protect themselves from unexpected expenses after a fire, theft, or accident.

An agent can help you decide whether coverage makes sense for your situation.

Most renters insurance policies cover certain types of storm damage, such as wind or hail, if your personal belongings are affected.

However, standard policies typically do not cover flooding, which may require separate coverage.

Since Iowa can experience severe weather, reviewing your policy details with a licensed agent can help ensure you understand what protections are included.

Most renters policies don’t cover flood damage, earthquakes, intentional acts, or damage caused by long-term wear and maintenance issues.

Certain high-value items may also have coverage limits unless additional protection is added.

Because coverage varies by policy, reviewing exclusions and limits with a licensed agent can help prevent surprises.

Customer Comments

Just renewed home and vehicle policies. Great staff, organization, and customer service.

David McDonald , Des Moines, IA
I have had amazing experiences with Adamson & Associates from supporting me during a move (homeowners policy) to consistently providing top-notch customer service during times of need like after the derecho and forgetting about an expired auto ID card while renting a car. Mike, Erin, and the team provide A+ service — they’re all very quick and attentive. Thanks team!
Susan Metheny, Ankeny, IA
Rebekah Jo

They were very professional. With a welcoming staff and very nice facility. They were there to help anywhere from larger business accounts to personal accounts needs. I will highly recommend using Adamson Insurance & Associates.

Rebekah Jo , Ankeny, IA

PARTNERS

travlers insurance
integrity insurance
firstcomp insurance
foremost insurance group
auto owners insurance
progressive insurance
aaa insurance
the hartford insurance
west bend insurance
berkshire hathaway guard insurance
selective insurance
sfm insurance logo