Your landlord insured the building. Who’s protecting everything inside it?
Renters insurance covers your belongings, your liability and a place to stay if your home becomes unlivable — usually for far less than people expect.
- Your furniture, laptop, clothes and keepsakes — at home or on the go
- Liability protection if a guest is hurt or you accidentally damage a neighbor’s unit
- Help with hotel and meal costs if a covered loss forces you out
Get a quick quote
A real person reviews every request — no bots, no runaround.
Prefer to talk? Call (256) 864-9411.
Small policy. Big peace of mind.
A renters policy wraps around your life, not the building. Here’s what it’s typically built to protect.
Your belongings
Furniture, electronics, clothing and everyday essentials — protected against covered losses like fire, smoke, theft and certain water damage.
Personal liability
If someone is injured in your home or you accidentally damage someone else’s property, liability coverage can help with costs and legal defense.
Loss of use
If a covered event makes your rental unlivable, coverage can help pay for temporary housing, meals and other added living expenses.
Beyond your front door
Belongings stolen from your car, your gym locker or while you travel can be covered too — your stuff is protected wherever it is.
Moments renters insurance was made for
“The upstairs neighbor’s bathtub is now my ceiling.”
When water from another unit soaks your sofa and laptop, your landlord’s policy fixes the drywall — not your things.
“The dog was a very good boy… until the mail carrier.”
Liability coverage can help with medical bills and legal costs when an accident involves a guest — or your four-legged roommate.
“Someone took my bike from outside the coffee shop.”
Covered theft away from home is part of most renters policies, minus your deductible.
Examples are illustrative. Coverage depends on your policy, limits and the cause of loss.
“My landlord’s insurance covers me.” It usually doesn’t.
Your landlord’s policy protects the structure they own. Your belongings, your liability and your temporary living costs are generally yours to cover.
Many landlords now require renters insurance in the lease, too. We’ll get you the right proof of coverage quickly — and make sure it actually fits your life.
Check my coverageWhat our clients say
Oscar was very patient and thorough with me, I had a lot of questions!
Helped us till we figured out the best plan for us.
Excellent service, I’ve been with them for 4 years and they’ve always helped me 100% with my policies.
Simple, from hello to covered
Tell us about you
A quick form or a short call — where you live, what you own and what matters most.
Review your options
Sady walks you through coverage choices in plain English, with no pressure to over-buy.
Get covered
Pick what fits and you’re set — including proof of insurance for your landlord if you need it.
The things that matter beyond home & auto
One agent for all the coverage your standard policies tend to leave out.
Hi, I’m Sady.
“People, Protection, Possibilities.”
Insurance is really about people — the life you’ve built and the plans you’re still making. My job is to understand both, then make sure the right coverage is quietly in place behind them.
For more than 20 years I’ve helped families and businesses across Alabama, Tennessee, Georgia & Texas — from our offices in Huntsville, Decatur and Arab. I’d rather spend ten extra minutes explaining your options than have you guess at fine print. When something does go wrong, you’ll have my number — not a ticket in a queue.
— Sady Zayas-Visser
Frequently asked
How much does renters insurance cost?
It depends on where you live, how much coverage you choose and your deductible — but renters insurance is typically one of the most affordable policies you can carry. We’ll show you real numbers for your situation.
How much coverage do I need?
Start by roughly totaling what it would cost to replace your things — furniture, clothes, electronics, kitchen items. Most people are surprised how fast it adds up. We’ll help you land on a number that makes sense.
Does renters insurance cover roommates?
Generally, a policy covers the named insured and family members in the household. Unrelated roommates usually need their own policy. We can walk through your setup.
My lease requires renters insurance. Can you help quickly?
Yes. Once your policy is in place, we can help get proof of coverage to you or your landlord quickly.
Can I bundle renters with my auto insurance?
Often, yes — and bundling may help you save. Ask about a renters + auto bundle when you request your quote.
Is flood damage covered?
Standard renters policies typically exclude flood. If you live in a flood-prone area, ask us about separate flood coverage options.
Let’s protect the life you’ve built.
Tell us a little about your rental and we’ll put together options that fit. It takes about a minute — and there’s never any pressure.
Start your free quote
Takes about a minute. Sady will follow up personally.
Prefer to talk? Call (256) 864-9411.