Renters Insurance

Protect yourself and your belongings with us

Your personal belongings are probably worth more than you think. Furniture, clothing, computers and sporting equipment—the cost to replace these items as a result of damage or theft could be prohibitively expensive. Renter’s insurance is the smart way to safeguard your belongings and protect your peace of mind. 


Tenant homeowners or renter’s insurance provides protection for loss damage to your personal property and provides additional living expense coverage should your residence become uninhabitable due to a covered loss. Importantly, it can help protect your assets from liability claims.  


Our adjusters are highly qualified and experienced within their specialty areas and can address any issues that may arise. This approach leads to quicker decision making and faster claim service.

Renter’s Insurance Coverage

Every Grange renter’s policy provides the following standard coverages and benefits:

  • Full replacement cost coverage on most of your personal property
  • Loss of use coverage in case your apartment or home your are renting becomes uninhabitable due to a covered peril
  • Up to $500 for refrigerated property coverage
  • Liability protection for you and your family should you become responsible for bodily injury or property damage to another
  • Guest medical coverage if a guest is injured on your property
  • Limited liability coverage for certain watercraft 
  • Legal defense for covered liability claims against you
  • Our superior claims service
Grange has a large selection of additional options available for your special coverage needs including but not limited to:

  • Increases in policy limits for personal property, loss of use and a host of other coverages
  • Coverage for small home businesses 
  • Coverage for additional personal property perils
  • Liability coverage for recreational vehicles (snowmobiles, golf carts, watercraft etc.) when used off premises
  • Specified (scheduled) personal property coverage with no deductible

Renter’s coverages may vary from state to state.  They are not binding as described here and are subject to underwriting approval.  Coverage is only available when the terms of the policy contracts are met.  Please consult with an authorized Grange agent for a complete list of coverage availabilities and terms.

Why Choose Us?

Although you aren’t shouldering the cost to repair fixtures, appliances or structural problems in your rental unit or home, you must protect yourself and your valuables from unexpected outside forces. As a financially strong mutual company, we’ve been writing policies for over 100 years. We’re proud of our quick response times and modest size. You won’t find impersonal, adjusters on the other side of the phone—we live by our belief of treating every policyholder as an individual—not a transaction. Learn more about us reach out to an independent agent to get started today.


“I was extremely pleased to reach someone that was upbeat, friendly, and listened to me.  Please keep up the great work. Thank you!”
GIA Policyholder


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