Renters Insurance in Lafayette & Beyond
Protection for Your Place and Your Things
Renters insurance in Indiana and nationwide covers what your landlord’s policy doesn’t—your belongings and your personal liability. The Mitchell Agency helps tenants in college apartments, suburban townhomes, and city high-rises across multiple states find affordable, right-sized protection, with simple bundling options and support wherever you live.
Why Renters Insurance Matters
Policies can cover electronics, furniture, clothing, and more against fire, theft, or vandalism, plus personal liability if a guest is injured or you cause damage to another unit. Most include loss of use to help with temporary housing after a covered claim.
What It Covers (and What It Doesn't)
Expect personal property, liability, medical payments to others, and additional living expenses. The building itself belongs to the
landlord's policy, and flood or earthquake are not standard; we'll explain optional add-ons and
replacement cost options for your belongings.
How Affordable Is It?
Renters insurance is typically very affordable—often around a dollar a day in Indiana and comparable in many states—and bundling with auto can lower both premiums. Many landlords now require proof of coverage, whether you’re leasing in Lafayette, Indianapolis, Chicago, or beyond; The Mitchell Agency issues certificates quickly so you can meet lease requirements without delay.
Tips for Renters
Create a simple
photo inventory, choose sensible deductibles, and ask about student, claim-free, or security credits. Purdue students living
off-campus should consider liability limits high enough for shared housing.
Answers to Common Renters Questions
Does renters insurance cover all my belongings at replacement cost?
Many default to actual cash value; you can choose replacement cost for a small additional premium. We'll walk you through the difference.
I'm a college student; do I need renters insurance?
If you live off-campus, it's highly recommended and sometimes required. It protects your laptop, books, furniture, and your liability.
Will renters insurance cover my roommate's property?
No. Each roommate needs their own policy unless related or married. Separate policies avoid confusion at claim time.
How much coverage should I buy?
Start by estimating the value of everything you own and select a limit that fits. We'll help right-size coverage and discuss add-ons for high-value items.
