(205) 491-5234
themanleymonroeagency@alfains.com

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Homeowners Insurance

Protect Your Belongings
And Your Peace Of Mind.

You may rent your home, but everything inside it belongs to you. Furniture, clothing, electronics, jewelry, appliances, and other personal belongings can add up to thousands of dollars—and your landlord’s insurance generally isn’t designed to protect them.

At The Manley Monroe Agency, we help renters in Hueytown, Birmingham, Bessemer, and communities throughout Jefferson County find affordable renters insurance designed to protect their belongings and provide valuable financial protection when the unexpected happens.

Whether you’re renting your first apartment, a townhouse, condo, or single-family home, our local team can help you understand your options and choose renters insurance that fits your needs and budget.

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What Does Rental Insurance Cover?

Renters insurance—sometimes called rental insurance or tenant insurance—typically combines several important types of protection into one affordable policy.

The exact protection depends on your individual policy, but renters insurance may include the following:

Homeowners Insurance

Personal Property Coverage

Think about everything you own inside your home. If you had to replace it all tomorrow, how much would it cost? Personal property coverage can help repair or replace belongings damaged or lost because of a covered event.

Homeowners Insurance

Personal Liability Coverage

Renters insurance isn't only about protecting your belongings. Personal liability coverage can provide financial protection if you're legally responsible for accidentally injuring someone or damaging their property. For example, if a guest is injured at your apartment or you accidentally cause damage to another unit, your policy may help with covered expenses, including legal costs.

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Additional Living Expenses

What happens if a fire or another covered loss makes your apartment or rental home temporarily unlivable? Loss-of-use or additional living expense coverage may help with the additional costs of living somewhere else while your rental is being repaired.

Homeowners Insurance

What Isn't Typically Covered By Renters Insurance?

Renters insurance provides broad protection, but it doesn’t cover everything.

Depending on the policy, standard renters insurance may exclude or limit coverage for situations such as:

  • Flood damage
  • Earthquakes
  • Wear and tear
  • Pest damage
  • Intentional Damage
  • Certain Business Property

If you have expensive jewelry, electronics, collectibles, musical instruments, or other valuable possessions, tell us about them so we can help determine whether you need additional coverage.

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When Should I Update My Renters Insurance?

Your insurance needs can change over time.

It’s a good idea to review your renters policy when you:

  • Move to a new apartment or rental home
  • Get married
  • Purchase expensive furniture
  • Buy new electronics
  • Begin working from home

An annual insurance review can also help make sure your coverage continues to match what you own.

Renters Insurance

Our Services

Auto

Auto

Finding reliable car insurance that will protect your car and your family—so that every trip feels as good as it should.
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Home

Home

Protect the home, and everything in it, with insurance you can rely on.
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Life

Life

Help to keep loved ones at peace with life insurance that protects people who mean the most to you.
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Commercial

Commercial

Protect your business, employees and future with a custom commercial insurance policy.
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Boat

Boat

Enjoy your time on the water knowing that your boat and passengers are well protected.
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Rentals

Rentals

Complete coverage for rental property and the income it generates.
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Mobile Homes

Mobile Homes

Policy developed to protect your mobile home, and lifestyle no matter where you go.
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Condo

Condo

Intelligent coverage for your condo, possessions and shared space.
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Motorcycles

Motorcycles

Ride to the end of the open road with motorcycle insurance designed for every ride.
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What Our Clients Say

Buz Boyd
Top notch service and staff
Dustin Branson
Jerry Manley has been great to work with! Always super fast to respond and handle any of the many changing needs that have come up. Would 100% recommend this agent.
Kira Penn
Kem has always been responsive and helpful answering any questions I have, and his staff has only ever been respectful and polite when they call. I would recommend his expertise to anyone!
Cheryl
Kem handles all of my insurance needs and represents quite a few of my clients. When you have to file a claim you want an agent who is available and who cares about you. Kem shows up and handles everything every single time.
Jeninne Poe
I couldn’t be more pleased with the exceptional service I’ve received from Kem Monroe and the entire staff. From day one, they’ve been incredibly responsive, always quick to return calls, answer questions, and handle any issues that come up, big or small. I highly recommend them to anyone looking for an insurance team that’s professional, reliable and truly compassionate.
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Service Areas

Insurance Solutions Designed to Serve the Needs of Alabama Residents

Providing Coverage with Integrity, Commitment, and Confidence

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Hours

  • Mon to Thu: 8 am - 5 pm
  • Fri : 8 am - 4:30 pm
  • Sat - Sun : Closed

Contact

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Need Insurance

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Type of Insurance

*Please DO NOT include any personal sensitive information (such as Social Security numbers, financial details, medical records, or passwords) when submitting this form.

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