Renters Insurance in St. Louis & Kirkwood

Even if you don’t own your home, you still own everything in it. Renters insurance protects your belongings—and gives you a safety net if something unexpected happens. At Faubel Insurance, we make renters insurance simple, affordable, and easy to understand. Whether you’re in an apartment or a rented home, we’ll help you find the right fit.

Why Choose Faubel Insurance for

Renters Insurance in Missouri

 Local & Independent

Break-ins, weather events, and landlord limits make this essential in STL-area rentals.

Personalized Coverage

Personal Property, Liability, Loss of Use, Medical Payments

Easy Claims & Support

We’re here when you need us, with responsive service.

Discounts & Savings

Ask about bundling home and auto insurance for extra savings.

What Does Renters Insurance Cover?

Renters insurance offers affordable, vital protection for those who lease a home or apartment, covering personal belongings and liability risks. It helps replace furniture, electronics, clothing, and valuables if they're damaged or stolen. For renters, it’s peace of mind in case of fire, theft, or water damage. Policies also include liability coverage if someone is injured in your rented space. Loss-of-use coverage helps pay for a hotel if your rental becomes uninhabitable. Even if your landlord has insurance, it won’t cover your personal items. Renters insurance fills that crucial gap. It allows young professionals and families to protect what matters without a large investment. Some policies even cover theft outside the home, like a stolen laptop from your car. It’s a practical step for anyone starting out or downsizing. With coverage, daily mishaps don’t become financial disasters. For pet owners, liability protection helps with bite or injury claims. Parents appreciate the security of knowing their kids’ items are covered. It can also cover accidental damage to another tenant’s property. Renters insurance is flexible and can be customized to fit your needs. It provides stability when moving or transitioning between homes. Whether you're in a high-rise or a small house, it keeps your essentials protected. It helps you rebuild quickly if the unexpected strikes. Best of all, it's one of the most budget-friendly ways to protect your lifestyle.

  • 1. What types of home insurance coverage are essential for homeowners in Missouri?

    In Missouri, especially in areas like Kirkwood and the greater St. Louis metro, homeowners typically need a comprehensive HO-3 policy. This includes coverage for the dwelling itself, other structures (like garages or sheds), personal belongings, and liability protection. Because Missouri is prone to hailstorms, wind events, and occasional tornadoes, it's important to confirm that wind and hail damage are included—and not capped or excluded, as some policies attempt to do. Flooding is not covered under standard home insurance, so if you live near rivers, creeks, or in a low-lying area, adding a flood policy through the National Flood Insurance Program (NFIP) is worth considering. Lastly, check for replacement cost coverage on both structure and belongings—it ensures you’re not stuck with depreciated payouts.

  • 2. Is auto insurance in Missouri more expensive than in other states?

    Missouri sits near the national average when it comes to auto insurance rates, but areas like St. Louis County—including Kirkwood—can have slightly higher premiums due to traffic density and claim volume. That said, your rate depends on multiple factors: your driving history, type of vehicle, credit score, and even your ZIP code. Discounts are available for safe drivers, bundling with home insurance, or completing defensive driving courses. It’s also important to know that Missouri only requires liability coverage by law, but comprehensive and collision coverage are essential if you rely on your car or have a loan on your vehicle. As an independent agent, Kirk shops multiple carriers to find the best mix of price and protection tailored to you.

  • 3. Does my Missouri homeowners policy cover hail and tornado damage?

    In most cases, yes—but not always fully. Standard homeowners policies in Missouri typically include coverage for wind and hail, which are the primary culprits in local storm damage. However, it’s important to check the deductible structure. Some policies now apply a separate, higher “wind/hail deductible” as a percentage of your home’s insured value. In tornado-prone areas like ours, that could mean thousands out of pocket before coverage kicks in. Kirk makes sure you understand what’s covered and helps you avoid policies that surprise you when you need them most.

  • 4. What’s the difference between replacement cost and actual cash value in my policy?

    This is one of the most important distinctions in any personal insurance policy—and it’s one that many homeowners in St. Louis don’t realize until it’s too late. Replacement cost coverage pays you what it costs to replace or rebuild your property or belongings at today's prices. Actual cash value (ACV) factors in depreciation—meaning you’ll get far less for older items. For example, if your 10-year-old roof is damaged by hail and you have ACV coverage, your payout could be a fraction of what you’d need to replace it. Kirk always recommends replacement cost when possible and helps you compare options across carriers to make the smartest choice.

  • 5. Do I need separate coverage for my boat, ATV, or RV in Missouri?

    Yes—and it's highly recommended. In Missouri, recreational vehicles like boats, ATVs, and RVs are not fully covered by your homeowners or auto policies. These “toys” require separate policies that offer liability, collision, comprehensive, and theft protection. If you store your RV on your property, or take your boat out on Lake of the Ozarks or Creve Coeur Lake, you’ll want coverage tailored to how and where you use it. Kirk helps clients across Kirkwood and St. Louis find the right coverage based on their lifestyle—and ensures no gaps are left behind.

  • 6. How does bundling home and auto insurance help me in Missouri?

    Bundling your home and auto insurance with the same carrier often leads to multi-policy discounts, which can save you 15–30% annually, depending on the company. More importantly, bundling can also simplify claims and communication if you ever need to file multiple claims from a single event—like a storm that damages both your home and car. In Missouri, many top-rated insurers offer bundled packages with enhanced features (like one deductible across policies or roadside assistance). As an independent agent, Kirk finds the best-fit bundles that balance savings with strong service—not just the cheapest option on paper.

  • 7. What should I know about insurance deductibles in Missouri?

    Missouri policies may include either flat-rate or percentage-based deductibles, particularly for wind and hail damage. A flat-rate deductible is a set amount (like $1,000), while a percentage deductible is based on your home’s insured value. For example, a 2% deductible on a $300,000 home equals $6,000 out of pocket. In storm-prone areas of Missouri—including the St. Louis region—some insurers are shifting toward percentage deductibles to manage risk. Kirk carefully reviews these details with clients to help them understand their real exposure—not just their premium.

  • 8. Are there any insurance requirements when buying a home in Missouri?

    Yes—if you’re financing your home with a mortgage, your lender will require proof of homeowners insurance before closing. Most lenders require a policy that covers the full replacement value of the home (not just the loan amount) and includes liability protection. Some may also require flood insurance if the property is in a FEMA-designated flood zone. Kirk works closely with homebuyers and lenders across Kirkwood and St. Louis to get coverage in place quickly—and make sure there are no surprises on closing day.

  • 9. Does Missouri offer any special programs or insurance discounts?

    Yes—Missouri residents may be eligible for several state and carrier-based discounts. These include discounts for installing smoke detectors, security systems, or hail-resistant roofing. Many companies also offer savings for going paperless, paying annually, or having a student with good grades on your auto policy. Veterans, teachers, and first responders in the St. Louis area may also qualify for special affinity discounts. Kirk helps uncover every available opportunity to reduce your costs—without cutting corners on protection.

  • 10. How do I know if I’m underinsured in Missouri?

    Unfortunately, many homeowners don’t find out until they file a claim. Common signs of underinsurance in Missouri include: having an outdated replacement value on your home, not carrying enough liability coverage, or having gaps in coverage for wind, hail, flood, or personal valuables. In areas like Kirkwood where homes vary in age and construction, it's easy to be underinsured if your policy hasn’t been reviewed in a few years. Kirk offers free policy reviews to help clients understand their current coverage, identify risks, and correct any blind spots before they become costly.