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Find the Best Renters Insurance in Detroit, MI

If you pay rent for a home or apartment in Detroit and want to protect the value of your possessions, you need renters insurance. Having coverage protects you financially in case of a fire, theft and other bad-luck events. It also pays for legal expenses if you’re found responsible for a property-related accident. We researched the best renters insurance in Detroit so you find an affordable policy from a dependable company.

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  • Up to $250,000 of personal property and $1 million of liability
  • Offers a free online quote tool
  • Extra Coverage for your most valuable items
  • Available in Detroit and select states
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  • Handles paperwork at no extra cost
  • Helped over 4.5 million customers
  • Seamless, secure online payments
  • Available in Detroit

Wide choice of A-rated insurers!

Serves residents in
Detroit, MI
(855) 695-2255
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  • No-obligation quotes
  • Largest online marketplace
  • Find coverage right for you
  • Available in Detroit
Serves residents in
Detroit, MI
(855) 522-3444
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Allstate: Shauna Johnson
  • M-T: 9am - 6pm
  • W: 9am - 7pm
  • Th-F: 9am - 6pm
  • Closed Sat and Sun
18711 West Grand River Ave.
Detroit, MI 48223
(313) 272-2020
Premier Insurance
  • M-F: 9am - 5pm
  • Sat: 10am - 1pm
  • Closed Sun
  • premierinsuranceagency.com/renters-insurance.html
15363 Livernois Ave.
Detroit, MI 48238
(313) 342-4100
LA Insurance
  • M-F: 9am - 7:30pm
  • Sat: 9am - 6:30pm
  • Closed Sun
  • lainsurance.com/insurance/renters-insurance
19100 John R St., Ste. 2
Detroit, MI 48203
(313) 891-9100
State Farm: Tony Massey
  • M-F: 9am - 5pm
  • Closed Sat and Sun
  • statefarm.com/insurance/home-and-property/renters
15 E Kirby St., Ste. 112
Detroit, MI 48202
(313) 873-3334
Kim-One Insurance Agency
  • M-F: 10am - 6pm
  • Closed Sat and Sun
  • meemic.com
11000 W. McNichols Rd.
Detroit, MI 48221
(313) 397-4198
State Farm: Charlotte Knight
  • M: 9am - 5pm
  • T: 9:30am - 5pm
  • W-F: 9am - 5pm
  • Closed Sat and Sun
7100 W. Seven Mile Rd.
Detroit, MI 48221
(313) 340-9000

How to choose rental insurance in Detroit

Detroit skyline

Many renters believe they are protected as long as the landlord has insurance, but this is usually incorrect. Usually, that policy covers only damage to the property itself — not your personal possessions or liability.

Renters insurance in Detroit gives you three main forms of protection:

  • Personal property: It covers losses of personal belongings resulting from fire, theft and other perils.
  • Additional living expenses: It covers costs like hotel bills if your rented home becomes uninhabitable after a covered event.
  • Liability: It covers repairs if you accidentally damage someone else’s property or medical bills if you’re responsible for someone’s injury at your home.

Purchasing renters insurance is a good idea no matter where you live, but in Detroit it’s particularly well-advised. The latest available data from the city shows averages of over 16,000 thefts of personal property and 30,000 fires per year.

Renters insurance in Detroit doesn’t just cover fire and theft. The standard policy will also protect you from loss if any of these damage your belongings:

  • Lightning
  • Windstorm
  • Hail
  • Vandalism
  • Vehicle impact
  • Explosion
  • Riots
  • Smoke
  • Falling objects
  • Weight of snow, ice or sleet
  • Freezing of plumbing, heating

How much is renters insurance in Detroit?

The cost of renters insurance depends on a number of factors, such where you live, the level of coverage you want and the policy deductible. Renters insurance in Detroit usually costs $15 - $50 per month.

When choosing a policy, you’ll need to decide what coverage limits (the maximum amounts the insurance company will pay out) are appropriate for personal property and liability.

For personal property coverage, it helps to do a home inventory to assess the value of your belongings. You may also have to choose between actual cash value protection, which covers contents at their current market value, versus replacement cost coverage, which covers the cost to replace items.

Most policies include liability coverage of at least $100,000. If your assets exceed this amount, you should think about raising this coverage to adequately protect yourself.

Don’t forget to ask about discounts before signing up. Some companies lower your premiums if you bundle policies, have safety devices or systems, pay through automatic withdrawal or are claim-free.

Other things you should clarify are how to protect expensive valuables, like jewelry, which may require additional coverage, and whether personal belongings are covered if they are stolen from your vehicle or storage unit.

Renters Insurance Reviews


Lemonade offers renters insurance, homeowners insurance and pet health insurance in select states, including Michigan. Its renters policies cover personal property, personal liability and temporary living expenses. Add Lemonade’s Extra Coverage to protect your valuables, like jewelry and fine art. Detroit customers can use the app to get coverage and make claims. Lemonade offers a discount if you bundle renters insurance with pet insurance. Policies start at $5 per month.

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Policygenius is an online, independent insurance broker that has helped over 4.5 million people across the U.S. shop for coverage. Explore freely and anonymously for renters insurance in Detroit from top companies, and get assistance anytime from licensed experts who help you find the right policy. Policygenius customers like how the quotes and coverages are clearly explained and how they can purchase coverage instantly and securely.



EverQuote, the largest online insurance marketplace in the U.S., partners with some of the most well-known insurers in the country to offer coverage that fits your needs and budget in Detroit. Request a personalized renters insurance quote, and connect with licensed agents online or over the phone to compare options and maximize savings. EverQuote customers appreciate how fast the company puts them in touch with renters insurance providers.