Need Renter Insurance?

Renters insurance protects your stuff, your wallet, and your ability to live somewhere else if something goes wrong. Even if you don’t own the building, you still have a lot to lose.

1. It protects your belongings

If there’s a fire, theft, water damage, or vandalism, renters' insurance pays to replace your things — clothes, electronics, furniture, everything.

2. It covers you if you accidentally damage the property

If you cause a kitchen fire, overflow a tub, or break something expensive, liability coverage protects you from huge repair bills.

3. It protects you if someone gets hurt in your home

If a guest slips, falls, or gets injured, renters insurance covers medical bills and legal costs.

4. It pays for a hotel if your place becomes unlivable

If a fire or other covered loss forces you out, renters' insurance pays for temporary housing, food, and essentials.

5. It’s extremely affordable

Most policies cost $12–$20 per month — less than streaming services — and protect thousands of dollars in belongings.

6.Many Landlords require it.

If you need renters' insurance, I’m licensed to help with that. Totally optional — you can use any agent you like. If you want a quick quote, I can send one.

Gary Coleshill

Licensed Agent

Use the buttons above to view and enroll in Renter Insurance Plans.

🟩 Kanguro (Renter‑Focused)

• Customizable coverage

• Usually lower monthly cost

• Fast, modern online quote

• Protects belongings + liability

• Great for renters who want choice

Best for: Renters who want flexibility, bilingual support, and agent‑guided quoting.

🟧 ePremium (Landlord‑Focused)

• Often required by apartments

• Meets property insurance requirements

• Strong liability protection

• Includes deposit‑alternative options

• Limited customization

Best for: Renters in communities where the property manager mandates ePremium.

🔵 Progressive (Consumer‑Market Carrier)

• Covers personal property, liability, loss of use, medical payments

• Optional add‑ons: water backup, personal injury, scheduled items

• Average cost: ~$20/month nationally

• Strong bundling discounts with auto

• Highly flexible quoting + digital claims

• Not tied to landlords; fully consumer‑driven

Best for: Renters who want a national carrier, strong digital tools, and bundling savings.

Kanguro is best when the renter wants choice — flexible coverage, modern quoting, and lower monthly cost.

ePremium is best when the apartment requires it — strong liability protection and deposit‑alternative options, but limited customization.

Progressive is best when the renter wants a national carrier with bundling discounts, strong digital tools, and customizable coverage.

• We do not use credit in our rating, nor do we run any reports.

• No background, credit, or loss history reports.

• We offer guaranteed HO4 coverage for up to $95K of contents and $300K of liability.

• We write policies at Replacement Cost, not ACV

• We offer coverage to protect the insured’s property in the event of a water backup loss in their own unit.

• We accept all dog breeds—no breed restrictions.

• We are open in all states with ZERO zip code or territory restrictions

• We will offer coverage for renters in:

  • apartments

  • single-family homes

  • mobile homes

  • a room in a house (great for students or seniors)

The information provided is for educational purposes only and is not intended as a recommendation to purchase or sell any insurance or financial product. You should consult with licensed tax, legal, or financial professionals to determine what options are appropriate for your personal situation.

Gary A Coleshill

Licensed Agent

Office: 480 856 7782 x 100

Cell & Text 480 208 4366

NPN: 6746746

gary@coleshillprotects.com