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Renters Insurance in Waterloo, Cedar Falls, and Iowa City, IA

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 The Sinnott Agency, Inc., 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 The Sinnott Agency, Inc. 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

The Sinnott Agency, Inc.

622 West 4th Street
Waterloo, IA 50702
Main office: 319-233-6103
Toll free: 800-897-7391
Fax: 319-234-8133

The Sinnott Agency, Inc. - Iowa City

818 Maiden LN
Iowa City, IA 52240
Main office: 319-341-6025
Fax: 319-234-8133

Our Providers

Testimonials

We were with the same insurance company for over 20 years and recently switched over to the Sinnott Agency. Not only did our rates go down, but our coverage increased. Very happy with our decision!

Karen
The family place that takes care of your insurance needs!

Sharon
We have used The Sinnott Agency Inc. for years and they have been great both for personal and business needs. A true asset to any individual or company.

Alex
Since moving to the Cedar Valley I have had both a personal & professional relationship with the Sinnott agency. They have performed well above the standard set by other agencies and look forward to many more years together.

Brad
Best place in town for your insurance needs.

Michael
Top notch personal service.

Keith
Best place to have insurance, period.

Margie