Renters Insurance: So you rent an apartment maybe a house and you think you are a renter and you don’t need insurance. You are wrong. You need renters insurance. Most people think that if the property is insured by the owner they don’t need insurance. That is why you need to contact our office at (641) 856-3375 and speak to our licensed insurance agents. Renters insurance will actually cover your personal property which may not be covered on the owners policy. Renter’s insurance can help cover displacement costs if your home is lost in a fire. it could help with hotel stay short term rentals or other post disaster expenses you may have. It is important that you review your insurance options to be sure that your renters policy covers your property and making sure you are well protected. At Cook Insurance we will go over your situation and find policy that is unique for your needs.