Renter’s Insurance

Renters insurance and other forms of specialty insurance, like Condo Insurance, have become increasing popular across the country in recent years, and for good reason.

Why Renters Insurance is Popular

Renters insurance is becoming popular for good reason; there are more renters than ever. According to the last US census, renter-occupied households increased by nine percent between 2005 and 2011. What’s even more impressive is that the number of renter households in America has doubled since 1960, when only one in five households were renters.

This is good news for renters seeking insurance, because more renters means more insurance companies, which means more competition, which means lower rates. Besides, it’s always better to have more choices when shopping for insurance, right?

What Renters Insurance Covers

Renters insurance covers your belongings if they are stolen or damaged. Your policy may cover you for additional living expenses should you need to relocate while your apartment is being repaired after a fire or natural disaster.

What Renters Insurance Doesn’t Cover

Renters insurance doesn’t cover damage to your apartment itself, but it can be added as an endorsement to your policy for just a few dollars more per month. This will also protect you against liability should someone trip and fall or some other accident take place when people are visiting your home.

Setting up a Renters Policy

Like all types of insurance, there are many different types of renters policies offered by many different types of companies. To help you cut through the haze and find the perfect policy for you, click below to talk to our team. Remember – consultations are always free.

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Great service and integrity.

John Mathers

Great insurance agent and very helpful!

Leanna Khemmoro

Joe saved me money from day one and the customer service I have received is off the charts. I highly recommend Joe for all your insurance needs

B S

Professional and friendly!!

Anthony Timko

Very patient

Cierra Reed

I have been working with Tony and Joe for over 5 years now. Tony is the most prompt, professional agent that I’ve ever had. He returns calls and responds to emails within minutes. If I need a document, it’s in my inbox before I even hang up. When they left State Farm, I waited for my policy to expire and then I followed Tony and Joe. I’m glad I did because they saved me even more money. Mind you, they are on the east side of the state, and I’m on the west side. I could find any agency for insurance, but I stay with Tony because of his great service. I would definitely recommend them to everyone.

liz detz

The most responsive and professional agents I have ever dealt with. In my experience, they always find the best rates and reply to emails right away.

Wedgehead 101

Joe always explains everything in detail which makes it easier. Purchasing insurance products can be stressful, but here, the process is smooth.

Y Har

Joe is a pleasure to work with. He is always well prepared & efficient, and very pleasant!

Sheryl Yezzi

Joe and Tony have always taken such good care of me. So friendly and professional!

Kayla MacDonald

When there is a change in policy pricing or coverage from the corporate office, Joe or his staff calls to explain the change in clear, easy-to-understand terms. The staff including Joe is very warm, professional and knowledgeable. We have been very happy with our service.

Sara Braverman

Every time I talk to Tony and Joe it's been a very positive experience. They always take the time to explain things thoroughly, so you can make an informed decision. They respond and take care of any issues very quickly.

Damir Sugar

State Farm agent Joe Halabicky and his staff are very professional, friendly and always willing to assist you with your insurance needs. Easy to communicate with, will work with you to ensure good quality and good value.

Dave Hylko

Absolutely GREAT products and service from this top notch insurance agency! Highly recommended!

Gregory Caswell

Great customer service!! They helped me get the best deal!

leslie timko

Joe and Tony are awesome! They're are very friendly and caring. A couple of years ago my son was hit by a car (he doing alright now) and when I came in to discuss my policy, Joe was so compassionate and concerned about my son. I just found that so awesome and I'll never forget the sincerity and kindness he showed me during that time.

Latisha Williams

I LOOOOOOOOOOOOOOOOVE Tony and Joe!!!!!! They have taken care of me from the very first conversation we had! I live downriver and still choose my guys in Novi!

Danielle Baker

Joe and his team are awesome. Can't say enough how responsive they are for us! Highly recommend!

Rachel D'Amico

Joe and his team are the best agency I’ve dealt with. They are quick and courteous. I highly recommend them for your insurance needs

Steve Chevalier

Great staff! Very helpful and friendly. I highly recommend Joe Halabicky and State Farm!

denise polasky

Customer for years and never any issues getting questions answered, return phone calls, competitive rates or documentation needed for banks. Saved a lot of money thanks to this office on home, auto and life insurance.

Kevin Kelly

Joe and his staff have been fantastic in helping my family finding the right coverage. They are honest and timely. I would highly recommend this agency!

Lisa Nelson

Joe and his office have always been super fast and accommodating to myself and my family. Which is greatly appreciated because most companies are not about customer service anymore, but they are.

amy marietta

Joe is a great person to work with and is just a genuinely nice guy. Joe helped take a water damaged kitchen and turn it into a quick and easy restoration. The kitchen and dining area is now even better than before! Oh and making sure I got a check promptly for the work done was great too...Thanks again Joe!

John Douglas

Treated well and they work hard for you

Greg Hartle

Joe and his team are extremely service oriented. Joe reviewed my coverage and made perfect recommendations for my family and our current life situations. His prices are extremely competitive yet give me better coverage than I had previously with another company. He's always prompt in answering my questions and genuinely concerned about the welfare of my families insurance needs. I always recommend him to friends, co-workers and family.On another note I would never have guessed that State Farm did mortgages. Joe handled a new mortgage for us this summer and we got the best interest rate and closing costs I could find with excellent service and expediting of our mortgage. Really great experience! Very thankful I gave them our business.

Pat Kopf

Joe assisted my family with multiple polices (auto, home, health) that protected us and made sense. He took the time to go over each policy and explain coverage details and why we should or should not have certain items in the coverage. We were able to save $ with Joe and put that toward other family expenses. Thanks Joe.If your not talking to Joe about insurance coverage or how he could customize a plan to suite your needs...your simply making a business mistake that could cost you $ and time. Be smart and let him help you with your insurance needs.

J.D. Concepcion

Joe helped my husband and I with our first home mortgage and he is our insurance agent. He's been very accessible and patient with us as new homeowners. I would definitely recommend him!

J Lee