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Great HO-4 coverage with an “A” rated, admitted carrier! Renters Insurance Program from J.M. Wilson J.M. Wilson offers a competitive Renters Insurance program designed to help agents place coverage for individuals who lease apartments, condos, or homes. With access to an “A” rated market and a focus on fast, reliable service, our HO-4 product is ideal for independent agents looking to satisfy the personal property and liability needs of their clients. Whether your insured is a first-time renter or a long-term tenant, this program offers flexible coverage options with affordable pricing and multiple discounts. Ideal Accounts and Target Profile This program is a strong fit for tenants in residential rental properties, including: Apartment renters Condo or townhome renters Single-family home tenants Seniors aged 50 years and older (eligible for additional discounts) Example: You might have a client renting a two-bedroom apartment who needs contents coverage for electronics, furniture, and personal items, along with liability protection. Our program provides an excellent solution for this type of risk. Coverage Highlights and Advantages Our Renters Insurance program includes valuable standard features and flexible options: Contents coverage up to $60,000 Liability limits up to $100,000 Medical payments coverage up to $1,000 Scheduled property coverage available for jewelry, watches, furs, etc. Coverage increase available at $10 per $500 in value Direct bill policy structure for convenience Discounts available for higher deductibles Senior citizen discounts (age 50+) Underwriting Support and Turnaround Our personal lines underwriters are committed to providing fast, knowledgeable service. Key benefits include: 24-hour turnaround on most quotes—often same-day Direct bill available on many accounts Support for online rating, phone quotes, and coverage questions Financing quotes available when needed Territories and Market Access This program is available to independent agents in the following states: Illinois Indiana Michigan Ohio Wisconsin We represent both admitted and non-admitted carriers, but this Renters Insurance program is placed with an admitted, “A” rated market for added stability and compliance ease. Why Partner with J.M. Wilson? At J.M. Wilson, our philosophy is simple: Customers First. Every associate is committed to solving problems quickly and efficiently, helping you deliver the best possible solutions to your clients. With deep experience in specialty personal lines and strong carrier relationships, we are a trusted Managing General Agency and Excess & Surplus Lines Broker that you can rely on for consistent results. Our personal lines team is also having success with related risks, including: Dwelling/Fire Homeowners (including high-value homes) Personal inland marine (including mini-storage contents) Personal umbrella (even for high-risk drivers) In-home business products All J.M. Wilson personal lines markets are “A” rated, ensuring quality and dependability across our offerings. Frequently Asked Questions What types of accounts are a good fit for this Renters Insurance program?This program is ideal for tenants renting apartments, condos, or homes who need contents and liability protection. Seniors and clients with valuable personal property are also a good fit. Is this program available in my state?The Renters Insurance program is currently available in Illinois, Indiana, Michigan, Ohio, and Wisconsin. Can coverage be customized for high-value personal items?Yes, limits can be increased for items like jewelry, watches, and furs. Additional coverage can be purchased at $10 per $500 of value. How quickly can I expect a quote?We typically provide quotes within 24 hours, and many are issued the same day. Does the program offer any discounts?Yes, discounts are available for higher deductibles and for senior citizens aged 50 and above. Need help placing an account? Connect with a market specialist.