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Michigan Affordable Renters’ Insurance

An accident can happen anywhere, and anytime, even somewhere like your rented house or apartment. This can leave your rented home uninhabitable, your personal belongings damaged, and in worst cases, it can even result in minor to severe injuries. These situations can lead to significant loss or incur hefty expenses, which can soon turn into a financial disaster. With PLPD’s affordable renters’ insurance policy, stay financially protected at all times.

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Michigan Affordable Renters’ Insurance

Protect Your Personal Belongings with PLPD’s Cheap Renters Insurance

If your personal belongings like furniture, TV, smartphone, laptop, and valuable items like jewelry get damaged or stolen, it can lead to a significant financial loss. We understand the financial and emotional toll it can take after losing your personal belongings. To ensure every rented home stays adequately protected, we offer cheap renters’ insurance premiums to make it affordable and accessible across Michigan.

Types of Renters Insurance Coverage Offered by PLPD

Here at PLPD, we offer distinctive renters’ insurance coverage options to ensure the highest extent of financial protection. Our renters’ insurance coverages are structured into three categories to help you conveniently select the ones you need. This includes property, liability, and enhanced coverage options to provide adequate financial protection.

Property Protection

Personal Property Coverage

Losing your belongings to fire, theft, or unexpected damage can create a serious financial setback. Personal Property Coverage helps protect the items you rely on every day, such as furniture, electronics, and clothing, etc., to ensure that you don’t have to bear the full cost of replacing them.

Replacement Cost Coverage

Many policies only reimburse you for the depreciated value of your belongings, which often isn’t enough to replace them. With Replacement Cost Coverage, PLPD ensures you’re covered for the current market value, so you can replace your items with new ones without added financial strain.

Valuable Items Coverage

High-value possessions like jewelry, art, or collectibles often exceed the limits of standard renters insurance. The Valuable Items Rider provides additional protection, ensuring your most prized belongings are fully covered if the unexpected happens.

Liability Protection

Personal Liability Coverage

Protects you if you’re legally responsible for injuries to others or damage to their property. It covers legal fees, court costs, and settlements, helping you avoid significant out-of-pocket expenses.

Medical Payments Coverage

Pays for medical bills if a guest is accidentally injured on your rental property, regardless of fault. It provides fast financial support to cover treatment, helping you avoid disputes and out-of-pocket costs.

Pet Liability Coverage

Protects you from financial loss if your pet causes injury or property damage. This coverage is essential for pet owners, as veterinary expenses or legal claims resulting from pet incidents can be costly and stressful.

Additional Protection

Loss of Use / Additional Living Expenses

Covers the extra costs of temporary housing, meals, and other living expenses if your rental becomes uninhabitable due to a covered event. This ensures you and your family can maintain your lifestyle while your home is being restored.

Extra Expense Coverage

While Loss of Use / Additional Living Expenses covers standard costs for temporary housing, meals, and basic living needs if your rental becomes uninhabitable, the Extra Expense Coverage goes a step further. It provides additional financial protection for unexpected costs that exceed standard limits, such as higher relocation expenses, storage fees, or temporary utility setup, ensuring you’re fully covered during major disruptions.

Identity Theft Protection

Covers expenses related to identity theft, including legal fees, lost funds, and credit monitoring services. This coverage helps you manage the financial impact and recovery process if your personal information is compromised.

Property Protection

Liability Protection

Additional Protection

Property Protection

Property Protection under PLPD’s renters insurance covers three key areas: personal property coverage for everyday belongings like furniture, clothing, and electronics; replacement cost coverage that reimburses you for the full cost of new items rather than their depreciated value; and valuable items coverage for high-value possessions such as jewelry or collectibles. Together, these coverages protect you from the financial impact of repairing or replacing your belongings after a covered loss.

Personal Property Coverage

Losing your belongings to fire, theft, or unexpected damage can create a serious financial setback. Personal Property Coverage helps protect the items you rely on every day, such as furniture, electronics, and clothing, etc., to ensure that you don’t have to bear the full cost of replacing them.

Replacement Cost Coverage

Many policies only reimburse you for the depreciated value of your belongings, which often isn’t enough to replace them. With Replacement Cost Coverage, PLPD ensures you’re covered for the current market value, so you can replace your items with new ones without added financial strain.

Valuable Items Coverage

High-value possessions like jewelry, art, or collectibles often exceed the limits of standard renters insurance. The Valuable Items Rider provides additional protection, ensuring your most prized belongings are fully covered if the unexpected happens.

3 Steps to Get PLPD Renters’ Insurance in Michigan

Understanding renters’ insurance can be confusing, and the process of purchasing and activating a policy can feel overwhelming. At PLPD, we’ve simplified it with a straightforward 3-step process to help you choose the best coverage, get a quote, and secure your renters’ insurance quickly.

Understand Your Insurance Requirements

Understand Your Insurance Requirements

Assess your needs and determine the coverage that best protects your personal belongings, liability, and any additional risks. Our agents can guide you to choose the right policy based on your needs.

Request a Free Quote

Request a Free Quote

Get a no-obligation, personalized quote quickly by filling out our online form, calling, or visiting any of our Michigan offices.

Purchase and Activate Your Policy

Purchase and Activate Your Policy

Finalize your chosen plan and purchase it to activate your renters’ insurance. With PLPD, coverage begins immediately or within a few hours on the same day, giving you financial protection for your rented home and belongings.

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Be Ready for the Worst: Use PLPD’s Renters’ Policy as Your Backup

There’s always a susceptible risk of your rented property getting hit by a severe storm, or it can get damaged due to a sudden fire outbreak, short circuit, water pipe leakage, and so on. Accidents can happen in so many ways, and it’s hard to predict when you experience one. Just one accident can lead to hefty expenses and severe financial loss. Apart from accidents, criminal activities like theft, burglary, and vandalism can lead to a great deal of financial loss. If you want to protect yourself from such unexpected financial burdens, you should consider PLPD’s affordable renters’ insurance coverage to secure your finances before it's too late.

What is the Average Cost of Renters’ Insurance in Michigan?

The average cost of renters’ insurance in Michigan is $21.6 per month, which is about $260 per year. However, the average range of renters’ insurance premiums can significantly vary based on your location. Urban areas with high population density, crime rate, or areas that are prone to natural disasters generally have a higher rate, which can range from $137 to $408 per year.

The average rate is just to help you get an estimate; your actual insurance rate will depend on the building’s age, safety features, accident records, and most importantly, your insurance claims history. Here at PLPD, we are committed to offering the most affordable renters’ insurance rates to every customer in Michigan.

If you’re considering purchasing a renters’ insurance policy in Michigan or would like to know how much it may cost, book a free quote, and one of our agents will contact you soon.


What is the Average Cost of Renters’ Insurance in Michigan?

Is Renters’ Insurance Required in Michigan?

Renters’ insurance is not legally required in Michigan, but many landlords make it a condition of the lease. Even if your landlord doesn’t require it, having coverage is still a smart choice.

A renters’ insurance policy protects your personal belongings against accidents, theft, or damage, and can also cover medical costs if you or someone else is injured in your rented home. Moreover, renters’ insurance can be vital to cover legal procedures, especially in the event of a legal dispute for an accident that occurred in your rented property.

Note: 75% of landlords in Michigan require renters’ insurance as a part of the leasing agreement. Without renters’ insurance, it can be difficult for you to rent a house or apartment in Michigan.

Is Renters’ Insurance Required in Michigan?

Benefits of Having Renters’ Insurance in Michigan

Renters’ insurance is a financial safety net that covers your personal belongings, medical fees, liability compensation, and legal expenses due to an accident, theft, or damage from some natural disasters. Here’s an overview of the benefits of renters’ insurance in Michigan that secures your finances and helps you avoid hefty out-of-pocket expenses.

  • Affordable Protection for Your Belongings: Renters' insurance offers coverage for your personal items like furniture, electronics, and clothing, usually for about $20 per month in Michigan. Even low-cost policies provide invaluable protection against loss due to fire, theft, or vandalism.
  • Coverage Beyond Your Home: Your policy doesn't just cover your possessions at home; it extends protection wherever your belongings go. Whether they’re in your car or traveling with you, your items remain covered under most policies.
  • Liability Protection for Accidents or Injuries: If someone is injured in your rental or if you accidentally damage someone else's property, renters' insurance provides liability protection. It can cover medical expenses, legal costs, and settlement fees, typically starting at $100,000 in coverage.
  • Additional Living Expenses (ALE) Coverage: When your rented property is temporarily uninhabitable, your renters' insurance can help with expenses such as hotel stays, meals, and other living costs while your home undergoes repairs.
  • Protects You When Your Landlord Doesn’t: Landlord insurance covers the building, not your personal belongings. Renters' insurance fills that gap, protecting what you own against loss or damage.
  • Helps Meet Lease Requirements: While renters’ insurance isn’t required by Michigan state law, many landlords require it as a condition of your lease. Having it protects your possessions and reduces dispute risks between you and your landlord.

Note: Standard renters’ insurance does not cover flood or earthquake damage. If you’d like protection against these risks, a PLPD agent can help you explore specialized coverage options.

Benefits of Having Renters’ Insurance in Michigan

3 Ways to Get Your PLPD Renters’ Insurance Quote

Online

You can apply for a renters’ insurance quote online.

Call

Call us directly to get your free renters’ insurance quote right away

Find an Agent

Connect with a PLPD Insurance Agent in a convenient location nearby.

Find an Agent

Why is PLPD a Reliable Choice for Renters’ Insurance in Michigan?

We don’t just sell insurance; we try our level best to ensure that every home in Michigan is financially covered against accidents and other unexpected events. About 27% of homes in Michigan are rented, which means more than 2.6 million Michiganders need renters’ insurance protection. Our affordable policies are designed to meet both the needs and budgets of renters across the state. Here are six reasons why PLPD is the most trusted choice for renters’ insurance in Michigan.

Affordable Coverage for Renters:

PLPD makes renters’ insurance accessible for everyone in Michigan by offering low monthly, quarterly, and annual premiums without compromising on essential protections. Even on a tight budget, you can secure coverage for your belongings and liability.

Wide Range of Coverage Options

Our policies go beyond covering personal belongings. From liability coverage to additional living expenses (ALE), we provide a wide selection of coverage to ensure you’re never left financially vulnerable after an accident or disaster.

Easy and Transparent Process

PLPD makes renters’ insurance simple with a clear 3-step process to choose coverage, get a quote, and activate your policy. When the unexpected happens, our reliable claims process ensures fast support and quick resolutions.

Trusted Local Expertise

As a Michigan-based insurance provider, we understand the unique risks renters face in the state. Whether it’s harsh winter storms, theft, or fire, our policies are tailored to fit the realities of renting in Michigan.

Dedicated Customer Support

Our agents are here to guide you through every step, whether you’re choosing coverage, filing a claim, or updating your policy. You can always count on our dedicated support team through our online portal, direct call, or by visiting the nearest PLPD office.

Proven Track Record of Reliability

Since 1925, PLPD has been protecting Michigan residents with dependable insurance solutions. Our strong reputation is built on trust, affordability, and a commitment to keeping renters financially secure.

Need to Speak to a PLPD Agent? Call or Visit Our Office in Michigan

Whether you want to explore renters’ insurance options, purchase a policy, or need guidance with a claim, our team is here to help. You can reach us by filling out the online contact form, giving us a quick call, or visiting a PLPD office in Flint, Saginaw, or Mt. Pleasant.

PLPD Insurance - Flint

Address: 1391 Bristol Rd, Flint, MI 48507, United States

Phone: (810) 341-5077
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PLPD Insurance - Mt Pleasant

Address: 1237 N Mission St, Mt Pleasant, MI 48858, United State

Phone: (989) 779-9000
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PLPD Insurance - Saginaw

Address: 7950 Gratiot Rd, Saginaw, MI 48609, United States

Phone: (989) 921-1600
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Word from Our Renters Insurance Policyholders in Michigan

We have always given serious consideration to the opinions and feedback of our valued customers in Michigan. While positive feedback encourages us to provide better services, criticisms help us discover and overcome our flaws. Recently, our customers have expressed immense satisfaction with our renters’ insurance policy featured below.

PLPD made getting renters insurance so simple! The coverage fits my budget, and I feel confident knowing my belongings are protected. Their team was quick to answer all my questions.

Emily

Emily R.

Detroit, MI

I had a minor leak in my apartment, and PLPD helped me cover the damaged items without any hassle. The claims process was smooth and fast. Highly recommend their renters insurance!

Jason

Jason M.

Flint, MI

I was impressed by the flexibility of PLPD’s coverage. I could customize it to include my electronics, furniture, and valuable items without paying extra for unnecessary coverage.

Daniel

Daniel K.

Grand Rapids, MI

From requesting a quote to activating my policy, PLPD’s process was straightforward. The agents were helpful and guided me every step of the way. I feel completely protected in my rental home.

Mia

Mia P.

Saginaw, MI

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Frequently Asked Questions (FAQ)

Renters insurance protects your personal belongings, provides liability coverage, and may cover additional living expenses if your rented home becomes uninhabitable due to accidents or disasters.
Renters insurance is not required by Michigan law, but many landlords may require it as a condition of your lease.
On average, renters insurance in Michigan costs about $21.60 per month, or roughly $260 per year. Premiums can vary depending on your location, with urban areas or regions with higher crime rates and natural disaster risks ranging from $137 to $408 annually.
PLPD provides Property Coverage, Liability Coverage, and Additional/Enhanced Coverage options to ensure your belongings, liabilities, and unexpected expenses are protected.
Yes. PLPD’s renters insurance covers losses due to theft, vandalism, fire, and other covered perils outlined in your policy.
Yes, renters’ insurance policies provide coverage for personal belongings while you’re away from your rented property, such as items in your car or while traveling.
Liability coverage protects you if someone is injured in your rented property or if you accidentally damage someone else’s property, covering medical bills, legal fees, and settlements.
Yes, PLPD allows you to tailor coverage limits, add optional protections, and select policies that best suit your belongings and budget.
Standard renters insurance does not cover floods or earthquakes. For these, you can consult a PLPD agent for specialized coverage options.
You can file a claim by calling your PLPD agent, submitting an online form, or visiting one of our offices. Our team ensures a smooth and reliable claims process.
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