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Find the Best Renters Insurance in Lansing, MI

If you rent, your property responsibilities aren’t as extensive as a homeowner. But you still need to guard against financial loss. Renters insurance covers your personal belongings and legal exposure for a relatively low price. We researched the best renters insurance in Lansing so you are protected during a worst-case scenario.

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  • Covers $250,000 of property and $1 million of liability
  • Offers a free online claims tool
  • Chat with live representatives on its website
  • Available in Lansing and select states
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  • Best rates all in one place
  • Helped over 4.5 million customers
  • Seamless, secure online payments
  • Available in Lansing

Wide choice of A-rated insurers!

Serves residents in
Lansing, MI
(855) 695-2255
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  • Insurers for your needs & budget
  • Largest online marketplace
  • Fast, free quote comparison
  • Available in Lansing
Serves residents in
Lansing, MI
(855) 522-3444
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Payne Insurance Agency
  • M-F: 9am - 5pm
  • Closed Sat and Sun
  • allstate.com/renters-insurance.aspx
3410 Belle Chase Way, Ste. 300
Lansing, MI 48911
(517) 321-6624
State Farm: Stacy Lewis
  • M-F: 9am - 6pm
  • Closed Sat and Sun
  • statefarm.com/insurance
4020 S. Cedar St.
Lansing, MI 48910
(517) 887-1777
Arnouts Insurance Agency
  • M-F: 8:30am - 5pm
  • Closed Sat and Sun
  • arnoutsins.com
4451 Okemos Rd., Ste. A
Okemos, MI 48864
(517) 347-1466
Liberty Mutual Insurance
  • M-F: 8:30am - 5pm
  • Closed Sat and Sun
  • libertymutual.com/renters-insurance
2469 Woodlake Cir., Ste. 150
Okemos, MI 48864
(517) 347-6722
The Rathbun Agency
  • M-F: 8:30am - 5:30pm
  • Closed Sat and Sun
  • rathbunagency.com
529 W. Saginaw St.
Lansing, MI 48933
(517) 482-1316
Farmers Insurance: Greg White
  • M-Th: 9am - 8:30pm
  • F: 9am - 5pm
  • Sat: 9am - 12pm
  • Closed Sun
120 Detroit St.
Lansing, MI 48912
(517) 485-2917
ALF Insurance
  • M-T: 9am - 6pm
  • W: 9am - 7pm
  • Th-F: 9am - 6pm
  • Sat: 9am - 1pm
3315 E. Michigan Ave.
Lansing, MI 48912
(517) 333-0100
Meiers Lombardini Lemanski Insurance
  • M-F: 8am - 5pm
  • Closed Sat and Sun
  • mllins.com
2760 E. Lansing Dr., Ste.1
East Lansing, MI 48823
(517) 351-9117

How to choose rental insurance in Lansing

Lansing skyline

In Greater Lansing, over a third of households are renters, and the number is trending upward, according to the U.S. Department of Housing and Urban Development. If you’re part of this group, “renters insurance is one purchase you cannot afford to do without,” according to the Michigan Department of Insurance and Financial Services.

Here are some of the reasons to buy renters insurance in Lansing:

  • Your landlord’s insurance likely only covers the physical structure of the property. It doesn’t extend to your personal property or protect you from liability.
  • Renters insurance covers your personal property. If your belongings are stolen or damaged as a result of a covered event, the insurance company will pay for the actual cash value or replacement cost. Coverage even applies to belongings in your car or with you during travel.
  • Renters insurance protects you from financial loss for liability. If someone makes a claim for an incident at your residence and you’re held responsible, renters insurance covers costs like medical bills, repairs or replacements or legal protection.
  • If your home becomes uninhabitable after an event covered by your policy, renters insurance covers living expenses. Policies cover temporary living arrangements that cost more than what you normally pay from month to month.
  • Renters insurance is affordable. Peace of mind comes with a low monthly premium.

When searching for a renters insurance policy in Lansing, take note of the risks, or perils, it covers. These commonly include:

  • Theft, vandalism
  • Fire, smoke damage
  • Storms, wind, hail, lightning
  • Freezing of plumbing, heating
  • Weight of snow, ice or sleet
  • Leaking of water
  • Riots, explosions
  • Vehicle or airplane crashes

How much is renters insurance in Lansing?

Renters insurance in Lansing costs $12 - $30 per month for most policyholders. The premium you pay is based mainly on where you live and the amount of coverage you buy. The deductible, or amount you owe before coverage starts, is also a factor.

Policies have coverage limits for both personal property and liability. Make sure the policy you purchase has appropriate amounts of both. Calculate the value of your possessions at home, and determine how much you could stand to lose in a lawsuit. Many policies have personal property limits from $20,000 to $40,000 and liability coverage of at least $100,000.

If you have expensive jewelry, art or other high-value belongings, you may need additional coverage, so be sure to ask. Also, find out if your policy pays to fully replace damaged or stolen items or gives you actual cash value, which is usually less.

Don’t forget to find out if you are eligible for discounts. If you bundle renters insurance with auto coverage, use home security devices, have a claims-free history or pay automatically each month, you might be able to save.

Renters Insurance Reviews


Lemonade is an online renters insurance provider that covers up to $250,000 in personal property and $1 million in liability. Its quote, application and claims processes are all online, giving you the option to talk to a live representative at any time. Ask about discounts for having safety features like a security system or fire protection. Lemonade’s Giveback program sends your unused claims to a charity of your choice, too.

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More than 4.5 million people across the U.S. have used Policygenius, an online, independent insurance broker, to shop for coverage. Look up renters insurance in Lansing from top companies without giving away personal information, and get personalized help from licensed experts. Policygenius customers like how quotes and coverages are easily explained and being able to sign up for a policy quickly and securely.



EverQuote is the largest online insurance marketplace in the U.S. Lansing shoppers will find renters insurance policies from well-known, highly regarded insurers and can request a personalized quote. Licensed agents are available online or over the phone to help you research and find discounts. EverQuote customers like the number of coverage options offered by the company.