Personal Insurance
Renters Insurance That Protects What's Yours
Your landlord’s policy doesn’t cover your stuff. We help you protect your belongings for less than you’d expect.
- 40+ Years in Business
- 10+ Insurance Carriers
- 150+ Years Combined Experience
The Problem With Assuming You're Covered
Here’s something most renters don’t realize: your landlord’s insurance covers the building, not your stuff.
If there’s a fire, a break-in, or a burst pipe, your landlord’s policy pays to fix the structure. But your furniture, clothes, electronics, and everything else you own? That’s on you.
Think about what’s in your apartment right now. Your laptop. Your TV. Your bed. Your clothes. Your kitchen stuff. It adds up fast—most people are surprised when they actually total it up.
Now imagine replacing all of it out of pocket after a fire or theft. That’s a bill most people can’t afford.
And here’s the other thing: if someone gets hurt in your apartment and decides to sue, you’re personally liable. Without renters insurance, that lawsuit comes straight at your savings.
The good news? Renters insurance is one of the most affordable policies you can buy. Most people just don’t know they need it until something goes wrong.
Our Approach to Renters Coverage
At The James Agency, we make renters insurance simple. It’s not complicated, it’s not expensive, and it shouldn’t take more than a few minutes to set up.
We start by helping you figure out how much coverage you actually need. Most people underestimate the value of their belongings. We’ll walk through the basics so you’re not left short if something happens.
Then we find you a policy that fits your budget. Because we work with multiple carriers, we can compare options and find solid coverage at a price that works—often for less than the cost of a streaming subscription.
We also make sure you understand what’s covered. Personal property. Liability. Additional living expenses if your place becomes uninhabitable. We explain it all so there are no surprises.
And once you’re covered, you have a local team to call. Questions about your policy? Need to file a claim? You call us directly—not an 800 number.
HOW IT WORKS
Tell us about your situation
Give us a call or fill out our quick form. We’ll ask about your apartment, your belongings, and any coverage your landlord might require.
We help you estimate your coverage needs
Most people need more coverage than they think. We’ll help you add up the value of your belongings so you’re not underinsured.
We find you a policy that fits
We compare options across our carriers to find good coverage at a price that works for your budget. Renters insurance is affordable—we’ll show you exactly what it costs.
We explain what's covered.
Personal property, liability, additional living expenses—we walk through what your policy includes so you know what to expect if you ever need to use it.
We're here when you need us
Moving to a new place? Need to add a roommate? Filing a claim? You call us directly. Same team. Same number.
What You Get With Us
Protection for everything you own
Your furniture, electronics, clothes, and personal items are covered against theft, fire, vandalism, and certain types of water damage. If something happens, you're not starting over from zero.
Liability coverage if someone gets hurt
If a guest is injured in your apartment and decides to sue, your renters policy helps cover legal costs and damages. Without it, you're personally on the hook.
Additional living expenses if you can't stay
If your apartment becomes uninhabitable due to a covered loss, your policy helps pay for temporary housing, food, and other expenses while things get sorted out.
Coverage that travels with you
Your belongings are typically covered even when they're not in your apartment—stolen from your car, lost luggage, items taken from a storage unit. We'll explain exactly what your policy includes.
Affordable rates from multiple carriers
Renters insurance is one of the cheapest policies you can buy. We shop our carriers to find you solid coverage—often for less than $20 a month.
A local team who answers when you call
Questions about your policy? Need to make a change? Filing a claim? You call us directly. No phone trees. No explaining your situation to a stranger.
What Our Clients Say
“Been with these guys for a few years! Make sure you contact Brandon Hodges. He has worked with me on houses in SC and MS, renters insurance, homeowners insurance, vacant property insurance, auto insurance, insurance on homes I have flipped…”
Brent Moreno
“I called The James agency and spoke to an insurance agent named Penny Sims to get a quote. Penny was the most down to earth person she explained everything so I could understand.”
Barbara Brignac
“I switched my auto and home insurance here almost a year ago, and am so glad that I did. Great service, great product, great staff!”
Sales & Marketing Professionals
Common Concerns
My landlord has insurance
Your landlord's policy covers the building—the walls, the roof, the structure. It doesn't cover anything you own inside. If there's a fire or break-in, your belongings aren't protected unless you have your own renters policy.
I don't own enough stuff to insure
You might be surprised. Add up your furniture, electronics, clothes, kitchen items, and personal belongings. Most renters own $20,000-$30,000 worth of stuff. Could you replace all of it out of pocket tomorrow?
Renters insurance is too expensive
It's actually one of the most affordable policies you can buy. Most renters pay somewhere between $15-$25 a month for solid coverage. We'll show you exactly what it costs for your situation.
I've never needed it before
That's how insurance works—you don't need it until you do. A break-in, a kitchen fire, a burst pipe from the unit above you. These things happen, and they're a lot easier to recover from when you're covered.
Renters Insurance Questions
What does renters insurance actually cover?
It typically covers your personal belongings against theft, fire, vandalism, and certain water damage. It also includes liability coverage if someone is injured in your apartment and additional living expenses if your place becomes uninhabitable.
How much renters insurance do I need?
Enough to replace your belongings if they were all lost or stolen. We recommend doing a quick inventory—furniture, electronics, clothes, kitchen items—and adding it up. Most people need more coverage than they initially think.
Does renters insurance cover my roommate?
Usually not unless they’re listed on the policy. Each person typically needs their own renters policy to cover their belongings. We can help you figure out the best setup for your situation.
What's not covered by renters insurance?
Flood damage and earthquake damage typically require separate policies. Very high-value items like expensive jewelry or art may need additional coverage. We’ll explain any exclusions so you know exactly what to expect.
Does renters insurance cover my stuff in my car?
Yes, in most cases. Your personal property coverage typically extends to belongings stolen from your car, even though your auto policy doesn’t cover them. We’ll confirm what your specific policy includes.
Is renters insurance required?
Not by law, but many landlords require it as part of your lease. Even if yours doesn’t, it’s smart protection for very little cost.
How do I file a renters insurance claim?
Call us. We’ll walk you through the process, help you document the loss, and follow up with the carrier to make sure your claim is handled. You’re not on your own.
Get Your Free Renters Insurance Quote
Protect your belongings for less than you’d expect.
Give us a quick call and we’ll help you figure out how much coverage you need, find a policy that fits your budget, and explain exactly what’s covered. Most renters policies cost less than a streaming subscription—and they’re a lot more useful when something goes wrong.
No pressure. No obligation. Just straight answers from a team that’s been protecting Mississippi families since 1982.