Affordable, Reliable Protection for Your Belongings and Peace of Mind
Renting a home, apartment, or condo comes with responsibilities - and risks. Renters insurance is one of the most affordable ways to protect your belongings and safeguard yourself from unexpected expenses. At the Rich Merso Insurance Agency, we help Michigan renters secure dependable, cost-effective coverage backed by Farmers® Insurance and supported by trusted local service.
Our goal is simple: premium protection at a budget-friendly price, paired with clear, honest guidance.
Contact UsWhy Renters Insurance Matters in Michigan
Even when you don't own the building, you still face risks like:
- Theft or vandalism
- Fire or smoke damage
- Water damage from neighboring units
- Weather-related damage
- Liability claims if someone is injured in your space
- Temporary housing costs after a covered loss
Your landlord's policy does not cover your personal property, which is why renters insurance is essential.
What Renters Insurance Covers
We help you choose coverage that fits your lifestyle, belongings, and budget.
Personal Property Coverage
Protects your belongings - furniture, electronics, clothing, jewelry, and more.
Liability Coverage
Helps protect you financially if someone is injured in your home or if you accidentally damage someone else's property.
Loss of Use (Additional Living Expenses)
Covers hotel stays, meals, and other costs if your rental unit becomes uninhabitable due to a covered incident.
Medical Payments Coverage
Helps cover minor guest injuries without the risk of a lawsuit.
Optional Add-Ons for Enhanced Protection
Identity theft coverage, High-value item scheduling, Water backup coverage, Pet liability protection.
We'll tailor your policy so you get the right coverage without paying for things you don't need.
Why Michigan Renters Choose the Merso Agency
Local Knowledge + Personalized Guidance
We understand the risks Michigan renters face - from winter weather to building-related damages.
Budget-Friendly Coverage With Premium Support
Affordable policies backed by high-trust, responsive service.
Clear Explanations Without the Confusion
We break down coverage options in plain language so you know exactly what you're getting.
Fast, Friendly Help When You Need It
Whether filing a claim or updating your policy, you work with a real local team that cares.
Serving All of Michigan
From Midland and Auburn to Saginaw, Bay City, Freeland, and every Michigan community statewide - we protect renters across the state.
Savings & Bundle Opportunities
Ask us how renters can save even more through:
- Renters + Auto bundles
- Discounts for safety devices
- Multi-policy savings
- Responsible payer discounts
- Claims-free discounts
Bundling is an easy way to increase coverage while keeping costs low.
Who Needs Renters Insurance?
Ideal protection for:
- Apartment renters
- Condo renters
- Single-family home renters
- College students
- Young professionals
- Families transitioning between homes
- Anyone looking to protect personal belongings on a budget
If you rent your living space, renters' insurance is one of the smartest and most affordable protections available.
Get a Personalized Renters Insurance Quote
Whether you're renting your first apartment or reviewing existing coverage, we'll help you secure the protection you need at a price that fits your lifestyle.
Get the confidence of working with a local, trusted Michigan Farmers® Insurance agent dedicated to your protection.