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Find the Best Renters Insurance in Sioux City, IA

Renters insurance helps you stay financially secure by offering coverage for property damage, legal liability and other expenses. However, understanding your policy needs and finding the right provider aren’t always easy. The Sioux City Journal has partnered with ConsumerAffairs to create this guide by comparing the local reviews of 14 businesses and choosing eight favorites from the best renters insurance companies in Sioux City.

Companies pay ConsumerAffairs to be authorized, and the Sioux City Journal and/or ConsumerAffairs may receive compensation when you click a link, call a number or fill out a form on this site.

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What does renters insurance cover in Sioux City?

sioux city skyline

Renters insurance protects your finances from perils like fire, wind, theft, vandalism and water leaks, but coverage is usually broken up into three main components:

  • Personal property coverage: This is the part of your coverage that actually applies to your belongings in the case of a covered peril. For example, if there’s a fire in your home, your personal property coverage helps cover the cost of your lost items. Average policies carry about $40,000 in coverage, but if you think that replacing your items would cost more than that, ask for a higher coverage limit. When choosing a policy, you also have the option to get the amount it takes to replace your property with brand new items, called the replacement cost amount, or to get the actual cash amount your property was worth, considering depreciation.
  • Liability coverage: Liability coverage helps pay for the cost of damages or injuries you’re found legally responsible for, like medical bills after your dog bites someone. This is usually the highest coverage amount on your renters policy at around $100,000, although it can exceed $1 million.
  • Additional living expenses: If there’s a fire or a substantial leak, you might have to move out of your rental temporarily. This type of coverage helps pay for the associated expenses, reimbursing you the cost of meals, transportation and extra rent.

Sioux City is an interesting location, offering the ability to cross state lines just outside city limits. This leads to unique needs for families and young professionals looking to rent. With Morningside College, Briar Cliff University, Western Iowa Tech Community College and St. Luke’s College nearby, the city is also a popular place for student renters.

According to NeighborhoodScout, Sioux City residents have a one-in-26 chance of being a victim of a property crime. With a pretty high crime rate compared to the national average, coverage against property loss is potentially a smart financial move.

What does renters insurance not cover in Sioux City?

While this may seem like a lot of coverage, there’s still quite a bit that a traditional renters insurance policy doesn’t cover, like:

  • High-value items
  • Damage from flooding, earthquakes or wildfires
  • Pest and pet damage
  • Damage you purposely cause

High-value items are usually excluded because they exceed coverage maximums. So, if you have a family heirloom worth a lot of money, make sure that it fits under your overall personal property limit.

Exclusions for natural disasters often seem inconsistent to people learning about their coverage. For example, renters insurance policies don’t cover damages if melting snow results in a flood, but they do cover damages if snow melts on your roof and leaks into your apartment. This is why it's a good idea to check reviews for insurers and see if they have a history of misclassifying damages to avoid paying out on policies.

While it may be confusing, it’s important to remember that you can always add additional coverage if you’re worried about certain perils. You can also add additional coverage for high-value items, like a camera or bike. What’s important is understanding what your policy does and does not cover before you sign up.

How much is renters insurance in Sioux City?

In Sioux City, renters insurance costs between $13 and $44 per month for a single, 28-year-old woman. While insurers usually collect demographic information before you get a quote, the main factor that impacts the cost of renters insurance is the amount of coverage you want.

For example, a policy on the low end of the price range above might start with just $15,000 for property coverage, which may not be enough for most renters. Expect to spend closer to $30 per month if you want decent coverage that doesn’t break the bank.

Sioux City renters insurance providers typically offer discounts if you live in an apartment or house with smoke detectors and break-in deterrents. You may also qualify for student, first responder or other discounts connected with your job, so check with each provider you’re considering.

Sioux City renters insurance FAQ

Does rental insurance cover theft in Sioux City?

Yes, renters insurance policies cover theft and burglary up to a certain amount, depending on your insurance limits.

Can a landlord force you to have renters insurance in Sioux City?

Yes. While there’s no federal law requiring renters insurance, landlords can require it.

How does renters insurance work in Sioux City?

In Sioux City, you first work with a broker or an insurance provider to get an appropriate policy. After a covered event, like a fire or burglary, you file a claim, and your insurance provider pays you out a corresponding amount of money.

Sioux City renters insurance company information

Authorized Partner

Lemonade

Lemonade offers renters insurance through its easy-to-use online platform. With the company’s quote tool, you can see your options, which include personal property, medical liability, personal liability and additional coverage up to $1 million in Sioux City. Lemonade offers these additional coverage options for high-value items, like jewelry, art or electronics.

Lemonade Get a Quote

State Farm: Nic Sjobom

Nic Sjobom is a Sioux City insurance agent offering State Farm renters insurance policies. These policies include personal property, liability and loss-of-use coverage, but you can add additional coverage, like identity restoration and earthquake damage, as well. The online quote portal is relatively convenient, with the ability to save a quote and return to it later. Nic Sjobom’s State Farm office is located at 2020 Indian Hills Drive, Ste. 200, Sioux City, IA 51104.

State Farm: Nic Sjobom

Goodin Insurance Agency

Goodin Insurance Agency is an insurance broker in Sioux City specializing in helping you save money. It works with providers like Farmers Mutual, Philadelphia Insurance Company and Progressive. The company doesn’t offer online quotes, but you can call an agent for one or visit in person at 103 Virginia St., Ste. 200, Sioux City, IA 51101.

Goodin Insurance Agency

IBC Insurance

IBC Insurance is an independent insurance broker that helps you compare quotes from multiple insurance companies. The company periodically reviews your insurance to make sure that your coverage is adequate and that its pricing is competitive. Call IBC Insurance or visit for a free quote at 412 Water St., Sioux City, IA 51103.

IBC Insurance

Allstate: Jeffrey Ahlers

Jeffrey Ahlers is an Allstate agent in Sioux City offering renters insurance policies. In Sioux City, policies are available up to $300,000. These policies include coverage for personal property, medical and guest liability, identity theft protection, and other supplemental coverages. Jeffrey Ahlers’ Allstate agency is located at 4617 Morningside Ave., Sioux City, IA 51106.

Allstate: Jeffrey Ahlers

American Family Insurance: Julie Bower Agency Inc.

The Julie Bower Agency Inc. is an exclusive provider of American Family Insurance. Its renters insurance policies include personal liability, property protection and loss of use coverage. The company offers discounts for loyalty and smart home systems, and its diminishing deductible rewards you if you don’t file a claim in a year. The Julie Bower Agency Inc. is located at 3126 Floyd Blvd., Sioux City, IA 51108.

American Family Insurance: Julie Bower Agency Inc.

Securus Insurance Group

Securus Insurance Group is an insurance broker in Sioux City representing Allstate, Hagerty, Nationwide and Progressive. Securus agents compare prices and coverages from its list of insurance partners to help you find a good plan. The company offers a complimentary review of insurance plans to see if it can help you find a better deal. Securus Insurance Group is located at 5529 Military Road, Sioux City, IA 51109.

Securus Insurance Group

Farmers Insurance: John Reiff

Farmers Insurance is a nationwide insurance company with a local office led by John Reiff. This agency offers renters insurance policies that include coverage for personal property, personal liability, medical liability and relocation. You can add coverage for things like expensive valuables, bikes and your pets. John Reiff’s Farmers Insurance office is located at 4700 Gordon Drive, Ste. 102, Sioux City, IA 51106.

Farmers Insurance: John Reiff