Renters Insurance in Illinois

Renters insurance is one of the most affordable and most overlooked types of coverage. For a typical premium of $15–$30 per month, you protect your personal belongings against theft, fire, and other covered losses — and get personal liability protection if someone is hurt in your home. Hollinger Insurance Services makes it easy to get covered anywhere in Illinois.

What Your Landlord's Policy Doesn't Cover

Your landlord's policy covers the building structure only. Your furniture, electronics, clothing, and other personal property are not covered if there's a fire, break-in, or other loss — unless you have your own renters policy. Many landlords now require renters insurance as a condition of your lease.

Affordable Coverage — Often Under $30/Month

Renters insurance is one of the best values in insurance. Most Illinois renters pay $15–$30 per month for solid coverage. Bundle it with your auto insurance and save on both — it's common for the auto discount to offset the entire renters premium.

Your Belongings Are Covered Everywhere

Your renters policy generally covers your personal property whether it's in your apartment, in your car, or with you while traveling. We'll make sure you understand what's covered and help you choose the right coverage limit for your belongings.

What's Typically Covered

• ✓Personal property (furniture, electronics, clothing)
• ✓Personal liability protection
• ✓Medical payments to others
• ✓Loss of use (temporary living expenses)
• ✓Theft on and off premises
• ✓Water damage (not flooding)
• ✓Fire & smoke damage
• ✓Valuable items riders (jewelry, electronics)
• ✓Identity theft coverage
• ✓Cyber protection add-ons

Frequently Asked Questions