Renters Insurance: Protect What's Yours
Renters insurance is designed to protect your personal belongings and provide liability coverage if you’re renting a home, apartment, or condo. While your landlord’s insurance covers the building itself, it does not cover your possessions or protect you if someone is injured in your rental.
At Benchmarq Insurance, we help renters understand what’s covered — and how to make
sure the things that matter most are protected, from furniture and electronics to peace of mind.
Why Do You Need Renters Insurance?
Many renters underestimate the value of what they own until something happens — a fire, theft, or burst pipe. Replacing your belongings out of pocket can easily cost thousands of dollars.
Renters insurance helps cover:
The cost to replace your damaged or stolen belongings
Temporary housing if your rental becomes unlivable
Liability expenses if someone is injured in your home or if you accidentally damage another person’s property
At Benchmarq Insurance, we believe renters deserve the same level of protection and care as
homeowners — because your space and your possessions matter just as much.
What Does Renters Insurance Cover?
A standard renters policy includes several important types of protection:
Personal Property Coverage – Pays to repair or replace your belongings if they’re damaged or stolen due to a covered loss (like fire, theft, or vandalism).
Liability Coverage – Protects you if you’re found responsible for someone’s injury or property damage.
Additional Living Expenses (Loss of Use) – Helps pay for hotel stays or temporary housing if you can’t live in your rental after a covered event.
Medical Payments to Others – Covers minor medical bills if a guest is hurt in your home, regardless of fault.
Your Benchmarq agent can help you understand exactly how each coverage applies — and identify any additional endorsements that may make sense for your lifestyle.
How Much Renters Insurance Do You Need?
The right amount of renters insurance depends on the value of your belongings and your personal liability exposure. Our agents can help you estimate the replacement cost of your property and ensure your policy limits truly reflect your needs.
We’ll help you consider:
The total value of your furniture, clothing, and electronics
Liability coverage limits that protect you if someone sues
Coverage for valuables like jewelry or collectibles
Optional endorsements, such as water backup or identity theft protection
We make sure your coverage fits your life — not just a template.
Is Renters Insurance Required in Your State?
While no state requires renters insurance by law, many landlords in Arkansas, Missouri, Texas, and Oklahoma require tenants to carry a policy as part of the lease agreement. Even if yours doesn’t, having renters insurance is one of the most affordable ways to protect yourself
financially.
Arkansas Renters Insurance
Arkansas renters face risks from storms, theft, and fire. Renters insurance helps protect your personal property from these common hazards — and provides liability protection no matter where you live in the state.
Missouri Renters Insurance
In Missouri, renters can benefit from coverage against tornadoes, severe storms, and property damage. Benchmarq helps Missouri renters choose coverage that fits their lifestyle and location, from college students to long-term tenants.
Texas Renters Insurance
Texas weather is unpredictable — hail, wind, and flooding can all threaten your belongings. Benchmarq agents help Texas renters understand what’s covered (and what’s not) so there are no surprises when life happens.
Oklahoma Renters Insurance
From strong storms to unexpected accidents, renters in Oklahoma can rest easier with Benchmarq on their side. We’ll help you choose the right coverage to keep your belongings and your future protected.
How Does Benchmarq Insurance Serve Renters Better?
As a captive agency, Benchmarq Insurance offers deep knowledge of the products we provide — and that’s what sets us apart. We know every detail of your coverage, so we can help you make confident, informed choices.
When you work with Benchmarq, you get:
Clear explanations of what’s covered and what’s not
Guidance to select the right protection for your belongings and budget
Friendly, personal service from a local agent who knows your community
Ongoing support if you ever need to adjust your policy or file a claim
We go beyond the basics — because protecting your life and your peace of mind is personal to us.
Why Choose Benchmarq Insurance?
At Benchmarq, we set the benchmarq for trusted protection and customer care.
Licensed and local in Arkansas, Missouri, Texas, and Oklahoma
Deep product knowledge for truly personalized guidance
Friendly, responsive agents who care about your needs
Honest advice focused on service and security — not just price
We’re here to help you feel confident that what’s yours stays yours.
Get a Free Renters Insurance Quote from Benchmarq Insurance
Protect your space, your stuff, and your sense of security.
Call (479) 273-1320 or click “Get a Quote” to talk with a Benchmarq Insurance agent today. We’ll help you understand your coverage and find the renters insurance that fits your life perfectly.