800-223-9826

Renters Insurance

Belongings Hold Memories. Make Sure They’re Safe.

If you rent an apartment, house, condo, or even a dorm room, you may not think you need insurance. But in the event that fire, theft, or vandalism damages your property, it’s unlikely that your landlord will pay to replace your belongings.

At Vogel-Stuart Insurance Group, we know that you’ve most likely invested a lot of time and money in your personal property, and it’s up to you to take care of it. Having a Renters Insurance, or Tenants Insurance, policy can pay for the cost of replacing your belongings if they are damaged due to a covered accident, or if they’re stolen.

Depending on your policy, your insurance will pay to replace items using one of two methods: Actual Cash Value (ACV) or Replacement Cost. With ACV coverage, your belongings are insured only for the amount in which they are currently worth, while Replacement Cost will pay for the expense of replacing the items with brand new ones.
 

Additional Insurance Options


Also included in your Renters Insurance is Liability Coverage to safeguard yourself from injury claims that occur in your home. If someone gets hurt on your property, your insurance can pay the related medical payments and expenses, and provide for the cost of legal support if you are sued.

In the event that a fire or other damage makes your residence uninhabitable and places you in a “loss of use” situation, your Renters Insurance may temporarily reimburse you for the cost of another residence in which to live.

Representatives from Vogel-Stuart Insurance Group are committed to working with you to design a policy that ensures you get the options you want at a price you can afford.

Vogel-Stuart Insurance Group

29 N 10th Street

Columbia, MO 65201

Main office: 573-449-5395
Toll free: 800-223-9826
Fax: 573-443-4321

Office Hours:

Mon: 8:30 AM - 5:00 PM
Tues: 8:30 AM - 5:00 PM
Wed: 8:30 AM - 5:00 PM
Thurs: 8:30 AM - 5:00 PM
Fri: 8:30 AM - 5:00 PM
Sat: Closed
Sun: Closed

Our Providers

Testimonials

"I never thought about moving my coverage anywhere else. I had been with AA for 30 years. Vogel-Stuart shopped me out and saved me $250 over what I was paying same coverage. They are great to work with. I can call and make any changes over the phone since I am hour away. They always answer the phone like I am their favorite client. I would recommend them to anyone, even if you aren’t looking for new agency. Give Vogel-Stuart a try. They surprised me!"
Patty B from California, MO
"I just moved my personal auto policy to Vogel-Stuart in April after shopping around for the best price. They were able to save me a lot of money compared to the other quotes I received. I am currently working on starting my own lawn care and snow removal business and they were quick to get my quote to me and very reasonable for just starting out. I would highly recommend Vogel-Stuart to anyone looking for personal or commercial insurance; they have been very good to me!"
Kellan F from Jamestown, MO
"I have been with Stuart Insurance Agency since 2006. I own Wren’s Home Improvements and when Stuart Insurance Agency took over in November, the transition was smooth and seamless. The new faces in the office have picked up where John and Ann left off. They recently saved me around $300 on my personal auto policy. I would highly recommend Vogel-Stuart to anyone looking for business or personal insurance. "
Charles Wren, Wren’s Home Improvements from Columbia, MO