Renting a home or apartment in St. Louis comes with a level of convenience, but too many tenants assume they don’t need insurance. From thinking their landlord’s policy has them covered to believing they own “nothing valuable,” these misconceptions often leave renters financially vulnerable. It’s time to set the record straight.
In this guide, we’ll debunk the most common myths about renters insurance Missouri residents hear—and help you understand what protection you actually need.
Myth #1: “My Landlord’s Insurance Covers Me”
This is one of the most dangerous assumptions a tenant can make. Your landlord’s policy only covers the building structure—not your personal belongings, liability, or additional living expenses if you’re displaced due to a fire or flood.
Reality: You need your own renters insurance policy to protect what’s inside your unit.
Case Study #1: The Cost of Assuming Coverage
Daniel rented an apartment in South St. Louis. When a kitchen fire in a neighboring unit caused smoke damage to his furniture and electronics, he assumed the building’s insurance would reimburse him. Unfortunately, he discovered too late that the landlord’s policy didn’t cover tenant belongings. After connecting with Mueller Insurance Services, he enrolled in a policy that now protects his property and provides temporary housing in case of future damage.
Myth #2: “I Don’t Own Anything Worth Insuring”
Many renters underestimate the value of their belongings. But when you add up the cost of electronics, clothes, furniture, and kitchen items, the total often reaches tens of thousands of dollars.
Reality: Replacing everything after a fire, theft, or flood would be a major financial setback.
Myth #3: “Renters Insurance is Too Expensive”
Most renters are surprised to learn just how affordable renters insurance really is. In Missouri, policies often cost less than $20 per month, depending on the level of coverage.
Reality: For the price of a couple of takeout meals, you can protect everything you own—and your liability.
Myth #4: “I’m Covered by My Roommate’s Policy”
Even if your roommate has renters insurance, it likely only covers their personal property and liability—unless you’re both named on the policy.
Reality: You need your own individual renters policy to ensure you’re fully protected.
Case Study #2: Shared Space, No Shared Coverage
Megan shared an apartment with two friends in St. Louis County. One night, a break-in resulted in the theft of her laptop, jewelry, and camera. While her roommate had renters insurance, Megan wasn’t listed on the policy and had no coverage for her loss. After this wake-up call, she contacted Mueller Insurance Services to secure her own coverage moving forward.
Why Renters Insurance is a Smart Investment
Renters insurance typically covers:
- Personal property loss (due to fire, theft, water damage, etc.)
- Liability protection (if someone is injured in your home)
- Loss of use (covers temporary living expenses if your rental becomes uninhabitable)
It’s a small investment with massive benefits—and something every St. Louis tenant should consider.
Protect Your Space the Right Way
At Mueller Insurance Services, LLC we help tenants get the protection they need—without the guesswork. Whether you’re renting an apartment downtown or a single-family home in the suburbs, we’ll guide you to the right coverage.
Explore Our Services, learn more About Us, or Contact Us today to get a free renters insurance quote tailored to your lifestyle.