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Renters Insurance in Kalispell, MT

Here’s Why You Need Renters Insurance

If there is a fire, theft, or vandalism at your rental home or condo, are you prepared to cover the damages? Despite popular belief, your landlord’s renters insurance does not cover your personal property. That means, if an event were to occur and your property was damaged, you would have to come out of pocket to replace your items.

The Insurance Information Institute conducted a poll that reported in 2012, only 31% of renters had renters insurance. As of 2016, that number has grown to 41% of renters having a plan in place. While that is still less than half, it is safe to say that consumers are beginning to understand the importance of this otherwise overlooked insurance policy.

Many people believe that they don’t have enough property to need a renters insurance policy; but if you do the math, that is far from true. That is why it is important to think about the monetary and sentimental value of your property. For example, what if you lost all the baby pictures of your children, or maybe a special item you received from a deceased family member or friend? Have you considered how much it would cost to replace your clothes? Or the food in your fridge? The average renter in a two-bedroom apartment has about $30,000 worth of property. Are you willing to pay out of pocket to cover the cost of loss and damage?

Renters Insurance

Beyond your personal property, renters insurance can cover personal liabiltiy related to bodily injury and personal property when a policyholder is at fault or negligent. This includes if your dog bites someones, if someone slips and falls in your residence, or if you have an intoxicated guest who gets in an accident and causes damage or dies.

As the renter, you can be seen as negligent if you fail to protect your guests from a foreseeable risk. For example, if you don't warn your guests that you have an animal that tends to bite, or if you spill something on the floor and don't tell anyone so they slip and fall. In these instances, you could be held at fault and liabile to cover the cost of their bodily damages and property.

Local agents working for you

At Flathead Insurance, we provide the proper renters insurance to affluent residents in a variety of rental properties including high value homes, condos, town homes, lake homes, or other single-family homes. We understand the potential risks that come along with renting a property and our team of dedicated agents are committed to helping you mitigate these risks to protect yourself, and your family.

As a local agency, we are accessible to our clients when they need us most. We make it a point to thoroughly access your needs to ensure there are no gaps in coverage. Call or contact us today to learn more about our renters insurance offerings. To get started on a policy, request a quote.

Our Locations

Kalispell Location

2330 Highway 2 East
Kalispell, MT 59901
Main office: 406-413-9786

Bigfork Location

435 Grand Drive
Bigfork, MT 59911
Main office: 406-413-9765

Our Providers

Great service and competitive rates! You guys are awesome!
Mitchell McKinley
Amazing amazing AMAZING! "This is for contractors liability insurance" My insurance agent (10 years) retired last year...I went into Flathead Insurance for a quote yesterday & HAVE COVERAGE TODAY!!!
Ben Hageman
I contacted James Entzi and he has been incredible in supporting me with great service and highly competitive pricing on car and home insurance leading up to the move, and continues to help at every turn now that I am finally a local Montanan!
Dennis Gibson
Great service, looked things up when they were not 100%on. Was personal asked about life and family.
Kirstin Palmer
I cannot thank James and Lisa Thoms enough and their fantastic, friendly and highly efficient customer service.
Dennis Gibson
Lisa was knowledgeable, prepared and answered all my questions in a timely manner. Very helpful and I know Flathead Insurance will be there if I need their assistance.
Austin Deitrick
Thank you Flathead Insurance for your outstanding service and for being so wonderful!
Ben Hageman
Look no further if you need insurance help in the Flathead!!
Dennis Gibson