---
title: Renters Insurance | Get a Quote | PJ&C Insurance
description: Get a quote on renters insurance with PJ&C Insurance. Explore our tailored insurance options for residents of AL, GA, MS, NC, SC, LA, TN, KY, FL, TX, NV, CA, CO, KS, OH, and DC today.
---

For more than 50 years, Pepper, Johnstone & Company has been trusted with insuring families and businesses. We partner with 60+ insurance companies so that you can consider options that provide the most appropriate protection.

# Renters Insurance

from Pepper, Johnstone & Company

Renting offers the flexibility and convenience that suits many lifestyles. However, while you may not own the property you reside in, your personal belongings and liability responsibilities remain significant.

Renters insurance, a specialized coverage designed for renters, serves as a crucial safeguard in this context. It is distinct from homeowners insurance, which covers the structure of the property as well.

Renters insurance is not a one-size-fits-all solution. It can be tailored to align with your specific needs and circumstances.

Whether you have high-value possessions, reside in a multi-room apartment, or wish to enhance your liability coverage, your policy can be customized accordingly.

### Get a free quote for renters insurance

We'll provide you with a renters insurance quote from an insurer that meets your needs and your budget.

[GET A QUOTE](/insurance/personal/renters-insurance/quote)

[GET SERVICE](/claims-services)

* * *

## Coverage for Peace of Mind

Liability coverage is another essential component of renters insurance. Accidents can occur within your rented space, leading to injuries or damage to another person's property.

Liability coverage assists with covering legal expenses and damages if you are found responsible for such incidents, ensuring your financial well-being remains intact.

In situations where your rented home becomes uninhabitable due to covered perils, renters insurance can be a financial lifesaver. It can provide coverage for additional living expenses, such as temporary accommodation costs and meals.

### Comprehensive Protection for Your Belongings

One of the primary objectives of renters insurance is to protect your personal belongings. This includes everything from furniture and electronics to clothing and jewelry.

In the event of unexpected incidents such as fire or theft, a renters insurance policy steps in to help you recover the financial value of your possessions.

Let us help you find the right amount of coverage to suit your insurance needs. We'll help you choose the renters insurance coverage that best fits your needs. Contact us today for a free renters insurance quote.

#### Money-Saving Tip

If you choose the same insurance company for both your renters & auto insurance (called "bundling"), you can get a multi-policy discount, saving you money on both policies.

#### Coverage Tip

Make sure you have enough coverage to replace all of your personal possessions in the event of fire, burglary or other covered disaster.

The easiest way to do this is with a [home inventory worksheet](https://webtricity-assets-2.wbtcdn.com/fab11678-4400-4e7b-9d4a-2a2f81685a28/files/upload/home-inventory-worksheet-1.610bf770d875edcd4c155b3adba4176ee7f8c1ca17f246dece34cbd496d7f75c.pdf).

* * *

## Frequently Asked Questions about everything insurance

### What happens if I need to file an insurance claim?

Always [contact us](/contact) first, so we can best advise you on whether filing the claim makes sense or can adversely impact your future premiums and is best for you to self-insure the loss. Don’t make the mistake of filing a small claim, since all claims stay on your claims record for 5-years, which will impact your insurance premium for a 5-year period. Let our in-house claims advocates help guide you through this process.

### What is a renters insurance insurance policy deductible?

The amount of loss paid by the policyholder. Either a specified dollar amount and/or a percentage of the total value. The larger the deductible, the lower the premium charged for the same coverage, since you are assuming a higher loss amount by taking a higher deductible. Insurance carriers only pay losses above the deductible amount, so if the loss incurred is not substantially above your deductible, it’s usually best to self-insure (i.e., pay the loss yourself out-of-pocket) by not filing it with your insurance carrier.

## What do people think about us? Hear from some actual clients.

![J.W. E.](https://webtricity-assets-2.wbtcdn.com/fab11678-4400-4e7b-9d4a-2a2f81685a28/images/avatars/man-1.26763a560ec8c33e538d9a14d02e9af37b878ed2735807d5bbca818b43fecadb.webp)

  on Google

We recently switched our home and auto policies to Pepper, Johnstone & Co and have had a great experience. Their entire team is not only knowledgeable but down to earth and willing to share their time, tips and creative ideas. They’ve helped us to achieve to comprehensive protection at the lowest possible cost. I would recommend Pepper, Johnstone and Co to anyone.

**— J.W. E.**

![Teresa H.](https://webtricity-assets-2.wbtcdn.com/fab11678-4400-4e7b-9d4a-2a2f81685a28/images/avatars/woman-1.9cb73af9c1e3961f57515ecda4c9f4e639df0eff922a19dccb73c30bfe4385f4.webp)

  on Google

I am always pleased with the gracious and prompt responses to my insurance inquiries, to my specific insurance needs regarding several policies with Pepper, Johnstone & Company. The staff, especially Lauren Hart, makes every effort to take care of my insurance needs, addressing many concerns. I could not be more pleased and feel more secure knowing these folks are taking care of business for me and in my best interest.

**— Teresa H.**

![Jeremiah H.](https://webtricity-assets-2.wbtcdn.com/fab11678-4400-4e7b-9d4a-2a2f81685a28/images/avatars/man-2.f0d626a1e52b3f01c2be3c90db4d5d367c60b36ac6f55c3a5fecdb9bccc5bd8b.webp)

  on Google

Pepper Johnstone has handled my personal and business insurance needs for years. They do good work and their staff is amazing! They are independent agents so they have access to several different lines of insurance to meet the needs of their clients. I highly recommend them.

**— Jeremiah H.**

![Janet F.](https://webtricity-assets-2.wbtcdn.com/fab11678-4400-4e7b-9d4a-2a2f81685a28/images/avatars/woman-2.8e76c5af7c1582529e66148a1be8aa0a919754e1706a80af3031e295450f4db1.webp)

  on Google

This is a great company to work with! Casandra did an excellent job making sure my claim was completed in a timely manner. Julie is always there to help me any time I need to make changes to my insurance needs. The staff is always professional to work with. I trust Pepper, Johnstone & Company with all my insurance needs and have for many years.

**— Janet F.**

![Russ L.](https://webtricity-assets-2.wbtcdn.com/fab11678-4400-4e7b-9d4a-2a2f81685a28/images/avatars/man-3.b43c3cdfeb80d6382a553b4fec3a455754692db1f101fb39711934fad717fb96.webp)

  on Google

I started a company in January 2019 & the team at Pepper Johnstone helped me from the beginning. We serve mid-cap to large public companies in Alabama, Colorado and Texas. And, Bryan has been critical in helping us meet and maintain the required commercial insurance policies and coverage levels. Key reasons that I've been so pleased primarily include their high level of technical competence and timely responsiveness on new or changing insurance coverage requests. They do a great job & I can highly recommend them.

**— Russ L.**

![Sharon K.](https://webtricity-assets-2.wbtcdn.com/fab11678-4400-4e7b-9d4a-2a2f81685a28/images/avatars/woman-3.d6ed73e04052f6ca0a972880370cb7984efa8cba60e0be02698dd483bb838eb6.webp)

  on Google

I have dealt with Pepper Johnstone and company in the past and have always had a good experience. This past week I needed a policy, I called Julie and she efficiently, and promptly quoted and bound coverage on the property. I would highly recommend Pepper Johnstone.

**— Sharon K.**

[MORE REVIEWS](/about/client-testimonials)

## Insurance Articles

from the Pepper, Johnstone & Company blog

[**SaaS Company Insurance: What a BOP Won't Cover** — A SaaS company can sign its first enterprise contract, close a seed round and onboard a dozen employees before anyone asks whether the insurance program actually matches the exposure. — A Business Owner’s Policy covers a slip-and-fall here, a damaged server there. It does _not_ cover a client lawsuit…](/blog/saas-company-insurance-what-a-bop-wont-cover)

[**Professional Liability Insurance for Consultants & Accountants** — A client hires you for your expertise. You deliver the work, but they lose money anyway—and decide you are responsible. That scenario plays out thousands of times a year across professional services, and the costs are significant. — According to Swiss Re's 2024 Sigma report, U.S. liability claims…](/blog/professional-liability-insurance-what-consultants-accountants-need)

[**General Contractor Insurance: A Complete Coverage Guide** — In 2019, a summer storm sent a construction crane crashing through an apartment building in Dallas, killing a 29-year-old woman sitting on her couch. Four years later, a jury found the developer negligent and awarded her family more than $860 million. The crane operator walked free. — Most people…](/blog/general-contractor-insurance-a-complete-coverage-guide)

## Related Types of Insurance

[— Home Insurance — for homeowners](/insurance/personal/renters-insurance)

[— Condo Insurance — for condominium owners](/insurance/personal/condo-insurance)

[— Landlord Insurance — for landlords](/insurance/personal/landlord-insurance)

[— Flood Insurance — for homeowners](/insurance/personal/flood-insurance)

```json
{"@context":"https://schema.org","@type":"FAQPage","mainEntity":[{"@type":"Question","name":"What happens if I need to file an insurance claim?","acceptedAnswer":{"@type":"Answer","text":"Always contact us first, so we can best advise you on whether filing the claim makes sense or can adversely impact your future premiums and is best for you to self-insure the loss. Don’t make the mistake of filing a small claim, since all claims stay on your claims record for 5-years, which will impact your insurance premium for a 5-year period. Let our in-house claims advocates help guide you through this process."}},{"@type":"Question","name":"What is a renters insurance insurance policy deductible?","acceptedAnswer":{"@type":"Answer","text":"The amount of loss paid by the policyholder. Either a specified dollar amount and/or a percentage of the total value. The larger the deductible, the lower the premium charged for the same coverage, since you are assuming a higher loss amount by taking a higher deductible. Insurance carriers only pay losses above the deductible amount, so if the loss incurred is not substantially above your deductible, it’s usually best to self-insure (i.e., pay the loss yourself out-of-pocket) by not filing it with your insurance carrier."}}]}
```

```json
{"@context":"https://schema.org","@type":"WebSite","url":"https://www.pjcoinsurance.com/","name":"Pepper, Johnstone & Company"}
```

```json
{"@context":"https://schema.org","@type":"Product","name":"Renters Insurance","description":"Comprehensive renters insurance coverage tailored to your needs.","url":"https://www.pjcoinsurance.com/insurance/personal/renters-insurance","image":["https://webtricity-assets-2.wbtcdn.com/fab11678-4400-4e7b-9d4a-2a2f81685a28/images/logo.80d7f691a213f4c005424382960e8608cbeea8e81c4c6b54b3ad47b9b05f80b8.svg"],"brand":{"@type":"Brand","name":"Pepper, Johnstone & Company"},"offers":{"@type":"Offer","url":"https://www.pjcoinsurance.com/insurance/personal/renters-insurance","priceCurrency":"USD"}}
```

```json
{"@context":"http://schema.org","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"item":{"@id":"/insurance/personal","name":"Personal Insurance Products"}},{"@type":"ListItem","position":2,"item":{"@id":"/insurance/personal/renters-insurance","name":"Renters Insurance"}}]}
```