Renters Insurance

Renters Insurance in Ansley, NE, Broken Bow, NE, and Kearney, NE


Belongings Hold Memories. Make Sure They’re Safe.


If you rent an apartment, house, or condo, you might assume you don’t need insurance. However, just because you don’t own the physical space doesn’t mean everything inside is covered. If you were to lose things in a fire or a theft, don’t expect your landlord to help you buy back your things.

it takes a lot of time and money to accumulate the things that make your space feel like it’s yours. Don’t let an unfortunate turns of events leave you with nothing. Having a Renters Insurance, or Tenants Insurance, policy can pay for the cost of replacing your belongings if they are damaged due to a covered accident, or if they’re stolen.

Depending on your policy, your insurance will pay to replace items using one of two methods: Actual Cash Value (ACV) or Replacement Cost. With ACV coverage, your belongings are insured only for the amount in which they are currently worth, while Replacement Cost will pay for the expense of replacing the items with brand new ones.

Additional Insurance Options


Similar to homeowners insurance, renters insurance also has Liability Coverage to safeguard yourself from injury claims that occur in your home. If someone gets hurt on your property, your insurance can pay the related medical payments and expenses, and provide for the cost of legal support if you are sued.

In the event that your home were to become uninhabitable, renters insurance will cover the cost of having to move somewhere else while your place gets repaired.

Representatives from Insurance of the Heartland are committed to working with you to design a policy that ensures you get the options you want at a price you can afford.