Protect What You Live With
Renters Insurance in Missouri
Coverage for Your Stuff—and Your Peace of Mind
Affordable Renters Insurance for Apartments and Rental Homes
Just because you don’t own the building doesn’t mean you don’t have something to lose. At Fortner Insurance, we help tenants across Springfield and throughout Missouri protect their belongings with personalized renters insurance. Whether you're in an apartment near downtown or a rental home in Ozark or Nixa, we’ll help you find rental insurance that fits your space, your lifestyle, and your budget. We offer flexible apartment insurance options, bundling opportunities, and real support from local agents who understand what Missouri renters need.
What We Offer
Coverage Designed for Renters in Missouri
Personal Property Coverage
Pays to replace belongings like electronics, furniture, clothing, and valuables after theft, fire, or covered damage.
Liability Insurance
Covers injury or property damage you accidentally cause to others, important for guests or shared spaces.
Loss of Use
Helps with hotel stays or temporary housing if your rental becomes unlivable due to a covered claim.
Medical Payments
Covers minor injuries to guests that happen in your rented space.
Replacement Cost Options
We’ll help you choose between actual cash value and full replacement value.
Bundle and Save
Combine your renters policy with
auto insurance or
umbrella coverage for added protection and savings.
Why Renters Work With Fortner
Local Agents. Straightforward Coverage. Affordable Rates.
We Know Springfield Rentals
From downtown lofts to duplexes near MSU, we understand the housing options and risks Missouri renters face.
We Make It Easy
Renters insurance is simpler than you think, and we’ll help you get the coverage you need without overcomplicating it.
We’re Here When You Need Us
Whether you’re filing a claim or reviewing your policy at renewal, you’ll talk to real people who care.
Renters Insurance FAQs
What Missouri Tenants Want to Know
Is renters insurance required in Springfield?
Some landlords do require it. Even if they don’t, it’s a smart (and affordable) way to protect your belongings and liability.
What does renters insurance cover?
It covers your stuff (like electronics, furniture, and clothes), liability for injuries, and additional living expenses if you have to move out temporarily.
Is apartment insurance the same as renters insurance?
Yes. “Apartment insurance,” “tenant insurance,” and “renters insurance” are often used interchangeably—they all cover your belongings in a rental unit.
Can I bundle renters insurance with auto?
Absolutely—and bundling is one of the easiest ways to save. Ask us about combined plans.
How much does renters insurance cost in Missouri?
It’s usually very affordable—often less than $20/month. We’ll help you compare policies that fit your needs and budget.