Renting a home or apartment in Utah? Don't overlook the importance of renters insurance. While your landlord's policy protects the structure, it does not cover your personal belongings, liability, or temporary living expenses in case of a disaster. Whether you're in Provo, Payson, or anywhere across the state, renters insurance gives you essential protection and peace of mind.
Renters Insurance Near You
Offices in Provo & Payson, UT
Searching for a "renters insurance agent near me"? Keystone Insurance makes it easy. Our local offices in Provo and Payson connect you with trusted, licensed agents who can guide you to the right renters insurance policy at an affordable price. We offer policies through Bear River Mutual® and other respected providers including Progressive, Safeco, Travelers, Auto Owners, and The Hartford.
What Does Renters Insurance Cover?
Renters insurance helps protect your personal property from damage or theft caused by:
- Fire or smoke
- Lightning
- Theft and vandalism
- Water damage (from plumbing)
- Windstorms
- Explosions
However, renters insurance does not cover floods, earthquakes, or normal wear and tear. Separate policies are available for flood and earthquake protection.
Will Renters Insurance Pay for Temporary Housing?
Yes. If your rental becomes uninhabitable due to an insured event like fire or storm damage, renters insurance helps cover additional living expenses such as:
- Hotel stays
- Temporary rentals
- Restaurant meals
- Other necessary costs while your residence is being restored
Note: Coverage amounts and conditions vary by insurance provider.
What About Liability Protection?
Renters insurance also covers personal liability, helping with legal defense and damages if:
- Someone is injured in your home
- You, a family member, or your pet causes harm to others or their property
This is essential protection for unexpected incidents, especially in rental spaces.
How Much Renters Insurance Do You Need?
To determine the right amount of coverage:
- Take inventory of items you'd need to replace: furniture, electronics, clothes, appliances, etc.
- Record model numbers, purchase dates, and values
- Take photos or videos for documentation
- Store this inventory in a secure location offsite or digitally
This ensures you're properly protected and speeds up claims if you ever need to file one.
What Our Clients Say
“I went to Jason when I was a freshman at BYU having moved from Missouri and was starting out on my own. He helped me find great car insurance and I felt like I could really trust him. As time went on he proved this as I had an accident, added my wife to the plan, and got renters insurance all while keeping my monthly premiums under $85 a month for full coverage! I have now moved back to Missouri for work and family, but how I miss Jason, Keystone Insurance, and Bear River!!! I didn’t have to speak to Jason more than a handful of times over the 5 years I was there, but he felt like part of the family whenever I did. Thanks again! You made my young adult years so much easier!”
Rating: 5/5 ⭐⭐⭐⭐⭐
Rob Poeppelmeier
Check out our 500+ Google reviews!
Contact Us Today!
Renting near Payson, Provo, or anywhere in Utah? Keystone Insurance is here to help. Our experienced agents offer personalized quotes, customizable coverage, and reliable support.
Local offices in Provo and Payson.
Call today to learn more about Bear River Mutual renters insurance and request your free quote.
Protect your belongings. Get coverage that fits your lifestyle. Choose Keystone Insurance.