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Renters Insurance in Mobile, Greater Birmingham Area and the Shoals, AL

Belongings Hold Memories. Make Sure They’re Safe.

If you rent an apartment, house, condo, or even a dorm room, you may not think you need insurance. But in the event that fire, theft, or vandalism damages your property, it’s unlikely that your landlord will pay to replace your belongings.

At Owens Insurance Group, we know that you’ve most likely invested a lot of time and money in your personal property, and it’s up to you to take care of it. Having a Renters Insurance, or Tenants Insurance, policy can pay for the cost of replacing your belongings if they are damaged due to a covered accident, or if they’re stolen.

Depending on your policy, your insurance will pay to replace items using one of two methods: Actual Cash Value (ACV) or Replacement Cost. With ACV coverage, your belongings are insured only for the amount in which they are currently worth, while Replacement Cost will pay for the expense of replacing the items with brand new ones.
 

Additional Insurance Options


Also included in your Renters Insurance is Liability Coverage to safeguard yourself from injury claims that occur in your home. If someone gets hurt on your property, your insurance can pay the related medical payments and expenses, and provide for the cost of legal support if you are sued.

In the event that a fire or other damage makes your residence uninhabitable and places you in a “loss of use” situation, your Renters Insurance may temporarily reimburse you for the cost of another residence in which to live.

Representatives from Owens Insurance Group are committed to working with you to design a policy that ensures you get the options you want at a price you can afford.

Our Locations

Mobile Location

1428 Hillcrest Rd
Mobile, AL 36695
Main office: 251-254-2149
Fax: 251-633-3302

Bessemer Location (Tom
Jones Insurance)

1731 4th Ave.
Bessemer, AL 35020
Main office: 205-424-4500
Fax: 205-803-6223

Brent Location

2761 Main St.
Brent, AL 35034
Main office: 205-926-7220
Fax: 205-926-7310

Tuscumbia Location (Tom Jones Insurance)

106 N. Main St.
Tuscumbia, AL 35674
Main office: 256-383-5451
Fax: 256-763-7135

Our Providers