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Renters Insurance

If you are looking for renter's insurance, including Condo, Townhome, or Apartment, Oak Ridge Insurance Services is here for you. We will help you to select the correct renter's insurance policy if you are renting an apartment or a house. Renter's insurance will cover you and protect your valuables if they are ever damaged or you experience theft or vandalism.

Is Renter’s Insurance Mandatory?

There are no laws making it mandatory for renters to carry a policy. However, the only way for you to remain protected is through having insurance. It will become mandatory for you to purchase renter's insurance if you rent an apartment through a landlord that makes this a requirement.

What are my Coverage Options?

You can choose from personal property, liability, and additional living expenses depending on what you feel you can best benefit from. We can help you compare your options, as not all options provide maximum protection. Fires and water leaks are unforeseen incidents that you have no control over. If you opt-in for liability coverage, it will cover injuries that may occur inside your apartment or house, as well as tornado damage.

Choosing the Right Partner

When you are shopping for renter’s insurance (including condos, townhomes and apartments), it is important to speak with someonethat you can trust. Our team is here for you every step of the way, and is ready to:

  • Explain your policy so it is easy to understand
  • Identify essential coverage you could be missing
  • Guide you through the process beginning to end
  • Advocate for you throughout your claims process

Ready to get started?

Click below to complete your complimentary, no-obligation renters insurance quote.


Have questions? Click here to send us a message!

Brent Schroyer

Brent Schroyer

Insurance Advisor
Chastity Spofford

Chastity Spofford

Insurance Specialist

Why Partner With Us?

  • Locally owned and operated
  • Compare multiple carriers
  • Combine policies for great rates
  • Print your auto ID cards and access your insurance documents from our Client Service.

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From our Community

Partner Carriers

  • American Modern
  • ASI
  • Bankers
  • Burns & Wilcox
  • Foremost
  • Hagerty
  • Heritage
  • Jackson Sumner
  • Johnson & Johnson
  • Liberty Mutual
  • National General
  • Progressive
  • Safeco
  • Tapco
  • The Hartford
  • Travelers
  • Universal
  • Utica