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      • Ludovissy and Associates - Dubuque
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    • Home & Auto Insurance
    • Auto InsuranceImage of right arrow
      • Liability Coverage
      • Comprehensive Coverage
      • Collision Coverage
      • Uninsured & Underinsured Motorist Coverage
      • Diminishing Deductible
      • Accident Forgiveness
      • Minor Violation Forgiveness
      • Roadside Assistance
      • Specialty Auto Insurance
      • 24-Hour Customer Service
      • Towing
      • Rental Reimbursement
      • Personal Injury Protection (PIP)
      • Medical Payments Coverage
    • Home InsuranceImage of right arrow
      • High Value Homeowners
      • Property Insurance
      • Homeowners Liability
      • Renters Insurance
      • Condo Insurance
      • Mobile Home Insurance
      • Scheduled Property Insurance
      • Landlords Insurance
      • In-Home Business Insurance
    • Other Personal InsuranceImage of right arrow
      • Identity Theft
      • Personal Umbrella Insurance
      • Data Backup
    • Life InsuranceImage of right arrow
      • Individual Life Insurance
      • Group Life Insurance
      • Long-Term Care Insurance
      • Mortgage Protection Insurance
      • Disability Insurance
      • Second-To-Die Policy
      • Key Person (Key Men) Insurance
    • Health InsuranceImage of right arrow
      • Individual & Family Health Insurance
      • Group Health Insurance
      • Dental Coverage
      • Vision Coverage
      • Long-Term Care Insurance
      • Temporary Health Insurance
      • Supplemental Insurance
      • Disability Insurance
      • Medical Expense Insurance
      • Child Health Insurance
      • Prescription Insurance
      • HSAs
    • Recreational Vehicle InsuranceImage of right arrow
      • Boat Insurance
      • Motorcycle Insurance
      • Motorhome Insurance
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      • Snowmobile Insurance
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      • Financial Planning
      • Annuities
      • 401K
      • Retirement Plans
      • Mutual Funds
      • Pension Plans
      • Profit Sharing Plans
      • Traditional & Roth IRAs
    • Additional Insurance ServicesImage of right arrow
      • Wedding and Special Event Insurance
      • Special Event Insurance
      • Other Services
    • Coverage for Specific IndustriesImage of right arrow
      • Landscaping Insurance
      • Religious Institutions
      • Accounting Firm Insurance
      • Alarm Contractors Insurance
      • Insurance for Arborists
      • Bar Insurance
      • Builders Risk Insurance
      • Catering Insurance
      • Cleaning Business Insurance
      • Construction Insurance
      • Consulting Firm Insurance
      • Specialty Trade Contractors Insurance
      • Craft Brewery Insurance
      • Dump Truck Insurance
      • Educational Facility Insurance
      • Financial Institution Insurance
      • Food Truck Insurance
      • Fleet Insurance
      • Handyman Insurance
      • Garage Insurance
      • Healthcare Facility Insurance
      • Healthcare Practice Insurance
      • Law Firm Insurance
      • Life Science Insurance
      • Limousine Services Insurance
      • Liquor Liability Insurance
      • Livestock Insurance
      • Maintenance Contractors Insurance
      • Manufacturing Insurance
      • Marijuana Insurance
      • Maritime Employers Insurance
      • Media & Advertising Insurance
      • Orthotics & Prosthetics Insurance
      • Pool & Spa Insurance
      • Printers & Publishers Insurance
      • Railroad Contractors Insurance
      • Real Estate Businesses Insurance
      • Restaurant Insurance
      • Retail Insurance
      • School Bus Contractors Insurance
      • Scrap Metal Insurance
      • Security Guards Insurance
      • Self-Storage Insurance
      • Septic Contractors Insurance
      • Snow Plow Insurance
      • Specialized Truck Equipment Insurance
      • Technology Services Insurance
      • Tractor Insurance
      • Tow Trucks Insurance
      • Water Well Drillers Insurance
      • Veterinary Insurance
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      • Business Owners Policy (BOP)
      • Commercial Auto Insurance
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      • Fidelity Bonds
      • Leave Management
      • Loss Control Insurance
      • Inland Marine Insurance
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      • Mechanical Breakdown Insurance
      • Office Insurance
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      • Professional Liability
      • Small Business Insurance
      • Small Business Liability Insurance
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Home > Products > Home-Insurance > Renters Insurance - Dubuque IA & Bellevue IA - Ludovissy & Associates

Renters Insurance in Dubuque, Bellevue, East Dubuque, and Guttenberg, IA

Renters insurance is essential for tenants who live in a dwelling they do not own. Renters insurance protects your belongings from loss, damage or destruction following burglaries, fires, tornadoes and other covered events. In addition, renters insurance also protects your liability (and your money) if someone is injured at your rental home or apartment. 

What is renters insurance?  

Like most insurance policies, a typical renters insurance policy is an agreement between you and your insurer in which you will be provided financial assistance for lost, stolen or damaged items in exchange for an insurance premium. Unforeseen incidents such as burglaries or fires happen, and a renters insurance policy can help cover expenses related to repairing or replacing your personal belongings. 

What does renters insurance cover?  

Renters insurance differs from homeowners coverage in that it does not cover the dwelling’s structure since the tenant does not own the home. Most renters policies typically include:  

  • Possessions insurance.

  • Liability insurance.

  • Additional living expense protection.


You can tailor rental insurance plans
with specialized benefits, such as:

  • Scheduled items riders.

  • Replacement cost value possessions coverage.

  • Umbrella liability insurance.

  • Flood insurance.

  • Earthquake and windstorm endorsements.

  • Pet liability insurance.


Who needs renters insurance?  

Typically, tenants need renters insurance while living in a home or dwelling they do not own. Landlords usually require their renters to purchase policies because, in doing so, the renter reduces the landlord’s liability for accidents or losses that occur in the home. 

How much renters insurance do apartments require?

While renters insurance may not be mandated by state or local law, it may be required by your landlord. Check your lease and other documentation to find out how much is needed. Additionally, you should consider an insurance policy that matches the value of your assets and your risk of liability. The agents at Ludovissy and Associates can assist you in learning more about renters insurance requirements and ensuring you have adequate coverage.



Is renters insurance expensive?  

Multiple factors will influence the cost of your renters insurance, including:  

 

  • The value of your possessions.

  • The home’s location.

  • Your credit score.

  • Any security features in the home.

  • Your chosen policy and coverage limits.


Contact our agency for a renters insurance quote today. 

Renters insurance for college students 


College students living in dorms may be covered by their parents’ homeowners insurance policy. But they should consider renters insurance if they are living in off-campus housing. It can help assist in covering expenses for items such as lost or stolen personal belongings. 

Learn More 

Ludovissy and Associates is here to help the tenants of Dubuque, Iowa. Our agents are ready to educate you on renters insurance coverage options so you can make the right decision for your situation. 

Learn more by contacting our agency today at 888-556-6660. 

Contact Us Today!
888-556-6660

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