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Renters Insurance

Belongings Hold Memories. Make Sure They’re Safe.

If you rent an apartment, house, condo, or even a dorm room, you may not think you need insurance. But in the event that fire, theft, or vandalism damages your property, it’s unlikely that your landlord will pay to replace your belongings.

At Montgomery-St John Insurance Agency, we know that you’ve most likely invested a lot of time and money in your personal property, and it’s up to you to take care of it. Having a Renters Insurance, or Tenants Insurance, policy can pay for the cost of replacing your belongings if they are damaged due to a covered accident, or if they’re stolen.

Depending on your policy, your insurance will pay to replace items using one of two methods: Actual Cash Value (ACV) or Replacement Cost. With ACV coverage, your belongings are insured only for the amount in which they are currently worth, while Replacement Cost will pay for the expense of replacing the items with brand new ones.
 

Additional Insurance Options


Also included in your Renters Insurance is Liability Coverage to safeguard yourself from injury claims that occur in your home. If someone gets hurt on your property, your insurance can pay the related medical payments and expenses, and provide for the cost of legal support if you are sued.

In the event that a fire or other damage makes your residence uninhabitable and places you in a “loss of use” situation, your Renters Insurance may temporarily reimburse you for the cost of another residence in which to live.

Representatives from Montgomery-St John Insurance Agency are committed to working with you to design a policy that ensures you get the options you want at a price you can afford.

Our Location

Airport Plaza

4214 Fleur Dr, Ste 8
Des Moines, IA 50321
Main office: 515-679-0024
Toll free: 800-379-7722

Our Providers

I can't come up with anything that is being done wrong. Any time we have questions or concerns they are always taken care of immediately. I would highly recommend your services to anyone that is looking for a top notch insurance agency. -Charles Campbell
Charles Campbell
Your willingness to find the best coverage for the best price for your customers. -John Dowell
John Dowell
Customer service, Kelli and Deb are always available to answer my questions. -Tiffanie Nalls
Tiffanie Nalls
Great service. And they always get back with you in a timely manner. -Richard Rudolf
Richard Rudolf
Provided sound advice and options. -James Work
James Work
It is easy to speak with someone and come in at anytime to speak with someone. I like the way you look for better insurance coverage for me each year. The price is right, but you do not compromise great coverage. -Susan Martinez
Susan Martinez
Honesty and promptness. Friendly staff. Great location for me. -Susan Robbins
Susan Robbins
You and your staff have been very professional, accurate and helpful. -Alan Rivers
Alan Rivers
#1 you treat my family like your family #2 ,no pressure. -Wayne Cooper
Wayne Cooper
Gary is always very prompt in taking care of all of our insurance needs - from coverage to claims, we have been very pleased with Montgomery-St. John. -Dusky Terry
Dusky Terry
Gary is always willing to take time when I call to inquire about professional or personal insurance needs. He listens to me and continues to answer questions until I understand his response. I always feel like he has my best interest in mind. -Craig Purscell
Craig Purscell
Your professional attention to details and meeting our individual needs sets you apart from the "other guys". Also, the immediate and accurate information we receive regarding our questions makes us feel confident that all our present and future needs will be handled. Thank you. -Alan Stern
Alan Stern
Gary, you are an awesome source of information and always happy to help. You always go the extra mile. -Susan McFadden
Susan McFadden
Great service. Friendly staff. -Stan Procyk
Stan Procyk
When we call the office with questions, we always get the information quickly. Very friendly staff. -Clyde Sievers
Clyde Sievers
You are the best. I wouldn't go anywhere else. -David Gutfreund
David Gutfreund
Been with MSJ for about 30 years because of the customer service. Price may been a incentive but having the great customer service is what makes it! -Robert Baudler
Robert Baudler
First off, Gary has been absolutely amazing with every insurance need we have ever needed. If I have any questions he is able to help me get the answers and always makes sure I am completely happy with those results. Secondly, Gary has been our "insurance Guy" for over ten years and I constantly suggest others to use him for their needs as well. I. Can't thank him and the wonderful team at Montgomery St. John enough for providing the best for my family. -Elizabeth Pirillo
Elizabeth Pirillo
First off, Gary has been absolutely amazing with every insurance need we have ever needed. If I have any questions he is able to help me get the answers and always makes sure I am completely happy with those results. Secondly, Gary has been our "insurance Guy" for over ten years and I constantly suggest others to use him for their needs as well. I. Can't thank him and the wonderful team at Montgomery St. John enough for providing the best for my family. -Elizabeth Pirillo
Elizabeth Pirillo
You always get back to me promptly on any questions that I have. You treat me like I'm important! -Paula Brekke
Paula Brekke
I just want to mention, that Kelli Freerksen has always provided me with such great customer service and been so helpfulful on all of the various changes that I have had to make over all the years that I have been a customer. She always gets everything taken care of right away, so I don't ever have to worry if my changes are done and implemented. She's definately an asset to your company and a big part of why I have been a customer all of these years. Thank you.
Lori Budding