Renters Insurance


Home Insurance

Cara Sparks is Palatine's trusted American Family Insurance agent.

What Is Renters Insurance?

Renters insurance is similar to a homeowners policy, but is designed to fit the needs of someone renting an apartment, home, condo or other type of property. A renters policy covers your personal property if it’s damaged by a covered event, like theft, fire or a storm. And it includes liability coverage for medical bills and lawsuits if a guest is accidentally injured in your apartment or home. It’ll even cover you for additional living expenses if your place becomes unlivable due to a covered event.

Whether at home, at work or traveling across the country, renters insurance has your back. Take a look at the benefits of having renters insurance for your apartment or home with American Family Insurance and gain peace of mind that you’re protecting everything that matters most.

How Much Does Apartment & Home Rental Insurance Cost?

Renters insurance doesn’t cost as much as you think. There are a number of factors — like location, the estimate of your possessions and added coverage — taken into account when determining your cost, so the price for renters insurance will be different for everyone. But for the most part a typical premium for renters insurance is usually less than the price of one dinner out with friends a month.

How much should you pay for renters insurance for your home or apartment?

Renters insurance is designed to help protect you financially from unexpected instances, so the cost of your renters insurance shouldn’t break the bank. On average, many people pay between $10-$20 a month for renters insurance. You may pay more if you add on coverages or increase your personal property or liability limits, but renters insurance is meant to be an affordable way to help you protect the things you work hard for.

Is it worth getting renters insurance?

We think so. Just consider all of your personal property, like clothing, electronics and furniture — your things add up quicker than you think! If the unexpected were to occur and you had to replace all of your belongings, would you have enough to cover the cost? Renters insurance is a smart, affordable way to help protect your pockets from potentially expensive unexpected events.

Ready to get started? Just give us a call. We will be happy to answer any questions you may have and provide you with a free, no-obligation quotation.

About the Cara Sparks Agency


Cara SparksI have been an insurance professional since 2010, and have a lot of experience building lasting relationships and protecting customers dreams. Our agency offers auto, home, life, business, farm/ranch, and other kinds of insurance tailored to fit your family’s unique needs. You can count on each and every member of my team to be honest, attentive and straight forward, and to always put your best interests first. Above all else, we are educators, advisers, and dream protectors.

OUR Insurance Agency

My team is here to serve. Our unique backgrounds, training and experience have prepared us well to help meet your insurance needs. Additionally, as residents of your community, we understand how important it is to be there for you - our trusted friends and neighbors. Together, we're building strong partnerships that help everyone succeed.

CALL US AT (847) 885-2043