8 Best Renters Insurance Companies in Michigan of 2023

Seeking the best renters insurance in Michigan? Discover the most affordable, reliable, and trustworthy providers to protect your rental home.
Street in Michigan

Living in Michigan is popular due to its stunning natural beauty, thriving job market, and affordable cost of living. However, renters must prioritize having renters insurance despite it not being a legal requirement.

Coverage is crucial in case of theft or burglary, as replacing stolen items such as laptops or musical instruments can result in costly out-of-pocket expenses, reaching thousands of dollars or more. It is essential to avoid this financial burden by obtaining renters insurance.

According to PropertyNest research, the average basic renters insurance in Michigan costs $33.73 a month or $404.76 a year.

To help renters choose the best insurance company, we've evaluated affordability, coverage options, ways to reduce premiums, and customer service performance for you. Read on to discover everything renters insurance offers.

Compare Renters Insurance in MI

Best Renters Insurance Companies in Michigan

  • Lemonade – Best for Online and Mobile App Coverage
  • Liberty Mutual – Best for Cheapest Rates
  • Allstate – Best for Multi-Policy Discount
  • State Farm – Runner-Up for Cheapest Rates
  • Farmers – Best for Customer Service
  • Progressive – Best for Discounts
  • Travelers – Best for Unique Additional Coverages
  • USAA – Best for No-Cost Extra Coverages

Lemonade: Best for Online and Mobile App Coverage

Lemonade Renters Insurance Michigan
Editors star rating review
Editor's Rating (4.5 Stars out of 5)

Lemonade drastically changed the home and renters insurance industry by migrating services and live customer service agents to online using AI.

It has become an insurance darling to those who grew up in the Internet age, and it’s easy to see why.

Everything is done on Lemonade’s website and on its app, which saves you time as you can get instant quotes, buy coverage, and file claims, to name a few, anytime you want from the comforts of your home.

For Michigan residents, Lemonade is a top choice because its website and app are easy to use and easy to navigate and because the company can handle 30% of claims instantly.

In most situations, your claim may be paid in as little as three minutes.

Read the full review of Lemonade home insurance.

Lemonade Renters Insurance Pros & Cons

  • Charitable.
  • Also sells homeowners, condo, co-op, life, car, and pet insurance.
  • You can now receive a discount if you bundle renters and auto insurance.
  • Intuitive website and app.
  • Doing all your insurance business online provides great convenience.
  • No sales agents.
  • Can’t contact a live agent.
  • Your monthly premium might be higher than $5 based on where you live and the amount of coverage you need.
  • Coverage is not nationwide.
How is Lemonade Renters Insurance Rated?
PropertyNest Rating4.5 out of 5
J.D. Power (out of 1,000) Score853
BBB RatingB+
NAIC Complaint Index Score1.94

Liberty Mutual: Best for Cheapest Rates

Liberty Mutual Renters Insurance Michigan
Editors star rating review
Editor's Rating (4.5 Stars out of 5)

Renters in Michigan who want the most affordable rate for renters insurance should turn to Liberty Mutual. Besides being the best overall, the online quote we received using Liberty’s website had the lowest premium, only $5 a month.

This makes Liberty the cheapest renters insurance in Michigan.

However, you will only likely pay $5 monthly if you purchase a policy with very low coverage limits. That would be $5,000. Thus, to get the standard coverage limit above that limit, you’ll more likely pay around $12 monthly, which is still lower than State Farm.

But there’s more to like. The insurer offers many discounts, much more than its competitor, State Farm.

For example, the discounts that can bring your rate down include being claims-free, having home security, and paying your annual premium in full.

Read a full Liberty Mutual home insurance review.

Liberty Mutual Renters Insurance Pros & Cons

  • Many ways to lower premiums.
  • Good for students and young renters due to low coverage limits.
  • A lower limit means a lower premium.
  • Easy online claims filing.
  • Customer service is available on the weekends.
  • Offers replacement cost coverage.
  • Mediocre customer service.
  • The NAIC complaint index means that Liberty received 70% as many complaints as a typical insurer.
  • Requires a minimum of $5,000 of property.
  • Discount availability varies from state to state.
How is Liberty Mutual Renters Insurance Rated?
PropertyNest Rating4.5 out of 5
J.D. Power (out of 1,000) Score834
A.M. Best - Financial Strength RatingA
BBB RatingA+
NAIC Complaint Index Score2.37

Allstate: Best for Multi-Policy Discount

Allstate Renters Insurance Michigan
Editors star rating review
Editor's Rating (5 Stars out of 5)

Allstate’s renters insurance has a higher premium than its competitors, namely Liberty Mutual and State Farm.

But with its multi-policy discount, that high rate will drop.

You also called bundling; when you carry renters insurance and auto insurance from Allstate, you’ll get 10% off your auto policy and 25% off your renters policy.

That’s why Allstate’s site can boast a very low monthly rate, starting at just $4.

Of course, Allstate’s low rate—the lowest rate in the industry--will go up because its renters insurance is bare-bones basic, and you’ll need to spend more on add-ons to get more comprehensive coverage.

But Allstate offers some very good discounts that ultimately drive your rate down. For example, if you live in a safe neighborhood, have never claimed for a set time, or are retired or older than 55, to name just a few, each of these will get you a discount.

Read a full Allstate renters insurance review.

Allstate Renters Insurance Pros & Cons

  • Offers the best bundling discount in the industry.
  • The online site is helpful and full of resources.
  • Ability to talk to live agent despite heavy online and app presence.
  • Different ways to customize your deductibles and coverages.
  • Discounts and policies may not be eligible for certain states.
  • Higher premium for replacement cost coverage.
  • Average claims process satisfaction.
How is Allstate Renters Insurance Rated?
PropertyNest Rating5 out of 5
J.D. Power (out of 1,000) Score837
A.M. Best - Financial Strength RatingA+
NAIC Complaint Index Score2.05
BBB RatingA-

State Farm: Runner Up for Cheapest Rates

State Farm Renters Insurance Michigan
Editors star rating review
Editor's Rating (4.5 Stars out of 5)

State Farm renters insurance in Michigan is known for many good things.

This includes unbeatable customer service—the insurer has many agents in every state—and the company’s online presence that helps to file a claim easier and faster.

They also have a great identity restoration plan that you can get as an endorsement if your personal information is stolen. For example, if thieves hijack your identity and use it to commit theft or fraud, State Farm will reimburse you for damages.

But State Farm stands out because of its substantially lower rates than the competition.

The average monthly premium is $13.

According to the Insurance Information Institute, this is lower than the average cost of renters insurance in Michigan, which is around $15 per month.

Read a full State Farm renters insurance editors review.

State Farm Renters Insurance Pros & Cons

  • The complaint index from NAIC means State Farm received only 38% as many complaints as a typical insurer of its size.
  • The JD Power renters insurance survey rating was one of the best of any renters insurance company in Michigan.
  • Easy to contact an agent.
  • Easy to use intuitive website and app.
  • No limit on personal property coverage.
  • Coverage options are lacking.
  • Doesn’t offer replacement cost coverage.
  • Add-ons can be costly.
  • Offers little discounts or any unique endorsements.
How is State Farm Renters Insurance Rated?
PropertyNest Rating5 out of 5
J.D. Power (out of 1,000) Score836
A.M. Best - Financial Strength RatingA++
BBB RatingA+
NAIC Complaint Index Score1.77

Farmers: Best for Customer Service

Farmers Renters Insurance, Michigan
Editors star rating review
Editor's Rating (4.5 Stars out of 5)

These days, most people—especially those who are young—like to maintain their renters insurance using a company’s website or app.

It’s more convenient and saves time.

However, many renters still want to reach out and speak to a customer rep agent when they are having issues with their policy or want to file a claim.

Farmers is best for customer service because it highly values the relationship between a policyholder and a live agent.

Farmers Renters Insurance Pros & Cons

  • Widely available.
  • Easy to contact.
  • Easy to file a claim with many options: website, app, call center, and text message.
  • Higher than average premiums.
  • Limited and fewer discounts available than many of its competitors.
  • Average coverage options.
  • Low JD Power score.
How is Farmers Renters Insurance Rated?
J.D. Power (out of 1,000)831
A.M. Best - Financial Strength RatingA
NAIC Complaint Index0.56

Progressive: Best for Discounts

Progressive renters insurance Michigan
Editors star rating review
Editor's Rating (4 Stars out of 5)

Progressive teams up with third-party insurers to provide renters insurance.

Progressive is known for offering extensive named peril coverages.

But for customers, Progressive is the best in its class because of the many discounts it offers policyholders that will drive down your premium.

That’s good, as Progressive’s basic renters insurance policy in Michigan is a high $23 a month, higher than any insurer on our list.

Without the discounts, we would’ve not recommended the company.

In any event, since there are many discounts to choose from, we’ve highlighted a few.

These are the ones that policyholders can easily qualify for, not the kind like, if you never make a claim in five years with your policy, you’ll get a discount. Realistically, that’s hard to achieve.

But note first that discounts vary depending on the area you live in and which company you’re insured with, as Progressive doesn’t act alone.

  • Discount for getting a quote at least three days before your policy takes effect.
  • Pay-in-full discount.
  • Paperless discount for communication.
  • If you have alarms and security features like remote cameras, or if you live in a gated community or your rental complex has a doorman or security guard, you’ll get a discount.
  • Discount when you bundle with another Progressive insurance, such as auto.

Read a full Progressive renters insurance review.

Progressive Renters Insurance Pros & Cons

  • 24/7 customer service. Customers can contact via phone, web, app, or online chat.
  • HomeShield offers increased coverage for collections, watercraft, theft of firearms, and business property.
  • Additional coverage for computer and equipment, as well as business use of your personal computer.
  • The app has lots of features, making it easy to file a claim or pay your bill, for example.
  • Sells renters insurance through a subsidiary or third party, which confuses policyholders over who’s servicing the policy.
  • Without discounts, policy coverage can be expensive.
  • Requires your social security number for you to get a quot.
  • Coverage begins with an added fee, which makes the first month of coverage expensive.
  • Paperless discount is only available if you do it while applying for a quote.
How is Progressive Renters Insurance Rated?
PropertyNest Rating4 out of 5
A.M. Best - Financial Strength RatingA+
NAIC Complaint Index Score1.66

Travelers: Best for Unique Additional Coverages

Travelers Renters Insurance, Michigan
Editors star rating review
Editor's Rating (4 Stars out of 5)

Travelers is one of the best insurers around for Michigan residents because it offers a wide range of coverage options that other companies don’t have.

It even offers coverages that are usually not available at other insurers.

Travelers Renters Insurance Coverage

  • Travelers Valuable Items Coverage - Valuable items provide broader coverage for expensive or special properties such as jewelry, fine art, musical instruments, and computers. It allows you to add higher coverage limits to your renters policy to cover your special items. Usually, with other insurers, you need to appraise your items and do a home inventory or list items for which you need additional coverage. Travelers require none of these.
  • Contents Replacement Cost - This means your personal property in your rental can be repaired or replaced with no deduction for depreciation. This is also called replacement cost coverage.
  • Housing Improvements Coverage - If your landlord allows you to make alterations or upgrades to your rental, such as building a built-in bookcase, Travelers will pay if the bookshelves get damaged due to a covered peril such as fire or wind damage.
  • Equipment Breakdown - Travelers will pay for repairs if your dishwasher or washing machine breaks down.
  • Water Backup - Water backup damage is when a drain or sewer backs up, or a sump pump fails, and water comes into your rental due to heavy rain, among others. The water backup add-on covers damage to your property.
  • Additional Coverage Endorsement (ACE) protects you against libel, slander, defamation, and similar offenses. You can also purchase identity fraud protection at a cost.

Travelers Renters Insurance Pros & Cons

  • Great coverage options.
  • 24/7 for claims and customer service; limited for quotes.
  • Useful features on website and app.
  • Numerous available discounts.
  • You can only buy policy annually rather than every month; this may be hard for people to come up with cash all at once.
  • Fewer add-ons than you may expect.
  • Can’t go below $30,000 of personal property.
  • Need to call to get quotes in some states.
How is Travelers Renters Insurance Rated?
PropertyNest Rating4 out of 5
J.D. Power (out of 1,000) Score801
A.M. Best - Financial Strength RatingA++
BBB RatingA
NAIC Complaint Index Score3.88

USAA: Best for No-Cost Extra Coverages

USAA renters insurance Michigan
Editors star rating review
Editor's Rating (5 Stars out of 5)

USAA is dedicated to serving retired military staff and their families.

It’s such a great insurer and offers so much that we wish USAA were for everyone.

But at least the military gets some big advantages regarding renters insurance.

For Michigan residents and other states, USAA offers, in their standard policy, flood, storm, and earthquake coverage.

Other insurers offer this as an add-on that you pay extra for, driving up your premium.

USAA also offers replacement cost coverage, so you get reimbursed for your items in full at today’s price if they were damaged or destroyed due to a covered peril.

Also, the insurer offers up to $750,000 worth of personal property coverage.

USAA Renters Insurance Pros & Cons

  • No monthly maintenance fee, which makes USAA very affordable.
  • Policies start at $10 per month.
  • Provides up to $1 million worth of liability protection.
  • To cancel the policy, you can easily do it through the app.
  • No ACV means no depreciated cost.
  • Only available for past or present military members and their families.
  • Doesn’t offer loss of use coverage; nearly every insurer offers this as part of its basic policy.
How is USAA Renters Insurance Rated?
J.D. Power (out of 1,000)886
A.M. Best - Financial Strength RatingA++
NAIC Complaint Index0.88
Compare Renter Insurance Company Ratings
CompanyPropertyNest RatingJ.D. Power (out of 1,000)A.M Best RatingBBB Rating
Lemonade5.0853Not RatedB+
Liberty Mutual4.5834AA+
State Farm4.5836A++A+
Erie Insurance4.5851*A+A+
Jetty4.0Not RatedAA+

Is Renters Insurance Mandatory to Rent an Apartment in Michigan?

Renters insurance is not required by law in Michigan.

However, some landlords may require you to live in their building. They will ask for proof when you sign a lease.

Your landlord will have insurance for the apartment building or property, which is reserved to protect or repair the exterior due to damages such as fire or hurricanes, as well as maintain common areas such as elevators, hallways, and reception areas.

Your landlord’s insurance does not cover your personal belongings.

It’s wise to know that if you plan on ditching renters insurance, the landlord’s insurance will never cover you in any form, no matter your city or state.

So, it’s always a good idea to purchase renters insurance.

What is the Average Cost of Renters Insurance in Michigan?

According to PropertyNest research, the average cost of basic renters insurance in Michigan is $33.73 monthly.

This puts the state average above the national average of $17 monthly.

The premium rate for renters insurance changes for every renter.

That’s because the amount you pay depends on several factors, including, but not limited to:

Where you live (i.e., how safe your neighborhood is).

The cost of any high-value personal belongings that you plan on insuring.

When you get a renters quote from an insurer, always ensure you understand the right coverage so you only pay what you need.

What Factors Determine Renters Insurance Rates?

No Flood Area

Your rate will be low if you live in a neighborhood not prone to flooding. Since floods and flood damage are rare in Michigan, these things will not affect your rate.

Crime Rate

You'll also pay more if your city or suburb has a high crime rate. Michigan has a high crime rate, which we’ll discuss below.

Safe Neighborhood

You'll pay less if you live in a safe neighborhood near a fire hydrant.

If your rental is in a gated community or is fortified by guards, or if you have a doorman or live on a high floor, you’ll also pay less.

Credit Score

You'll also get a cheaper rate with a high credit score. If your score is low, you can expect a higher premium.

Claims History

You'll pay less if you have never claimed for a period your insurer decides.

Coverage Limits

If you have a lot of valuable belongings, your standard policy will not cover the full amount if they get stolen or damaged. As such, you need a rider to get full coverage, so you’ll pay a higher rate.


If you raise your deductible, your rate will be lowered.


Dog bites are common. Your liability insurance covers injuries caused by your dog, but you will pay a higher premium if you have a breed considered high-risk, such as a pit bull or a Doberman pinscher.

Some insurers will flat-out not cover these types of dogs.

Why is the Cost of Michigan Renters Insurance High?

Michigan renters insurance costs more than the national average of $15 a month.

That’s due to Michigan being a state that has high crime rates.

Insurance companies generally prefer insuring a renter who lives in a safe neighborhood close to a fire hydrant in case your building or rental house catches fire.

These companies want you to live on high floors compared to lower levels, the first or the basement, because property crimes or burglaries are more likely to occur.

Insurers also prefer that you live in a building with security cameras and monitors, and if you live in a doorman building, preferably if the doormen protect the lobby 24/7.

And if you have theft-protection devices like a smart camera, a deadbolt, smoke alarms, and other anti-theft devices, it makes it less likely that you’ll be a victim of crime.

How Can You Lower Rental Insurance Premiums?

The easiest way to get affordable renters insurance in Michigan is to research.

This means getting quotes from as many insurers as possible. Then, compare and contrast them. Which policy is the most affordable?

You can get a quote online by giving an insurer your personal information and whatever the insurer requires of you, such as if you ever claimed with a past renters insurance company.

Usually, you can get the online quote and then buy the policy online.

In most cases, though, as soon as you submit your application, a customer representative will call you at the number you added to your application to complete your quote and for you to make a decision.

This is the best way since the insurers can personalize your quote and possibly give you the lowest possible premium by applying as many discounts they offer that you may qualify for.

For example, if you opt for paperless billing and automatic payment, both will result in a discount.

But remember that the most affordable insurer might not be the best.

Thus, you should consider if an insurer has good customer service, such as how responsive and courteous a customer service rep is.

You can get a feel for the company when the company returns your call after getting an online quote.

Good service makes the process of buying coverage straightforward and quick. It also eases the stress of having to make a renters insurance claim.

Also, say you want to take out additional coverage to cover your belongings fully. If the insurer limits how much coverage you can contribute, that’s not a company you want to work with.

And before you sign with an insurer, ensure you know as much as possible about the company.

One way to do this is to talk to an insurer’s agent or customer service rep.

Knowing all you can about a company is essential before taking out a renters insurance policy.

Learn about the insurance company and its policies' protection before making a final decision.

Know and understand your policy limits and ask what additional coverages you can add for your protection.

Nearly all insurers have four types of coverage that come standard in a basic policy.

As discussed, these include personal property coverage, loss of use, liability coverage, and medical payments coverage.

If you're considering an insurer that doesn't offer all these, you should treat that as a red flag and a sign to look for another company.

Reps can also answer any questions, especially about confusing things.

Renters Insurance Discounts

Many insurers offer discounts to policyholders that can ultimately lower the cost of your premium.

The most notable discounts for Michigan residents include:

  • Multi-Policy Discount: Discount if you bundle renters and auto insurance.
  • Being Claims-Free: If you don’t claim in a set period of time, you’ll receive a discount.
  • Home Security: You'll get a discount if you install a security system, a smoke detector, or an alarm.
  • Home Credit: You'll get a discount if you purchase new and costly home equipment such as a stove or a refrigerator.
  • Paperless: If you go paper-free, you’ll also get a discount.
  • Payment: You'll get a discount if you sign up for autopay.

What Does Renters Insurance Cover?

In Michigan, the standard renters insurance policy covers liability, theft, medical treatment, and loss of use. It is the same standard policy offered by other insurers in the state.

Here’s the standard coverage:

Liability Coverage

Liability protects you against lawsuits from someone who has bodily injuries or property damages that you or your family caused to them.

Liability also covers your legal defense.

Personal Property Coverage

Personal property coverage pays to replace the stolen or damaged property due to a covered peril.

A covered peril in a standard policy is theft, burglary, vandalism, and climate changes like lightning, windstorms, hurricanes, explosions, water damage, and other events listed in your policy.

Most Common Items Stolen in Home Burglaries
Cash or Other Forms of CurrencyBank notes, bullions, gold or silver (non-jewelry), coins, medals, smart cards, stored value cards.Most renters insurance policies will only cover up to $200 in stolen cash.
Electronic EquipmentPhones (iPhones, Androids, etc.), computers, laptops, iPads, earbuds, smart watches, TV sets, gaming systems, Alexa or Google home devices, etc.Standard renters insurance policies cover the loss or damage of electronic devices.
ClothingDesigner purse/handbags, shoes, jewelry, designer watchesStandard renters policies cover your personal clothing or designer handbags etc.
Power ToolsDrills & drivers, saws.Covered under the personal property coverage.
Kitchen appliancesRefrigerators, microwaves, blenders, electric mixers, ice makers, coffee machines, and other appliances.Renters insurance covers personal appliances if they are damaged, stolen, or destroyed by a covered peril.
Prescription drugsWill not cover stolen prescription drugs.
Personal informationBank accounts, identity information stolen from documents, or stolen personal equipment.Most companies do not include identity theft as a covered peril in a standard renters insurance policy.
FirearmsPistols, riflesLegal firearms are covered under personal property coverage.

Loss of Use

This policy covers basic living and temporary housing costs if your unit becomes uninhabitable due to a covered peril like a fire.

Medical Payments

This policy pays for medical care if there is bodily injury to a person that occurs in your rental unit, regardless of fault.

Renters Insurance Add-on Policies

Renters insurance covers wind damage, water damage, and hail.

But no matter what renters insurance company you pick, a renters insurance policy never covers flooding.

If your city or suburb is prone to hurricanes, earthquakes, and floods, purchasing separate endorsements for these disasters is usually recommended so your belongings are fully covered.

In Michigan, the most severe weather is snowfall, which can be more than 16 feet.

The heavy weight of the snow and the cold temperatures can cause freezing precipitation that could result in water damage to your pipes and more.

You must be vigilant in cleaning up your home's snow and frozen exterior parts. If you are, you should be good to go.

But other than that, Michigan is generally safe from natural disasters like hurricanes, tornadoes, and earthquakes.

These events may occur less severely than in other parts of the country.

In fact, according to NOAA (National Oceanic and Atmospheric Administration), Michigan has a low probability of hurricanes or tropical storms, and earthquakes are rare.

Thus, the Great Lakes region is one of the safest states regarding natural disasters.

Winds and flooding typically cause damage from a hurricane.

Damage to your belongings from winds is usually covered under your renters insurance as a covered peril.

But water damage due to flooding is not covered under renters insurance.

It requires a separate renters flood insurance rider.

But you don’t need that in Michigan, which means your premium won’t rise if you had to purchase, say, flood insurance.

This also means you don’t need to purchase extra coverage for hurricanes or tornados.

When You Need to Purchase Additional Insurance

Basic renters insurance pays for personal belongings, but if these are high in value, they may be subject to a low limit of liability, causing your insurer to only pay up to a certain amount.

The typical standard renters insurance value cap for high-priced items like jewelry is around $10,000.

To ensure your jewelry is insured to its full value, you need to add a rider to your policy.

A rider or endorsement adds more benefits to your basic renters insurance policy.

But a rider comes with an additional cost, and your premium will increase.

The good thing is that your premium won’t become unaffordable. Riders have low costs since they don’t involve underwriting too much.

Our Methodology

We thoroughly researched the top renters insurance companies in the state and narrowed the list down to those that operated in Michigan. We rated them on criteria that included ease of use, ratings, financial strength, customer, and affordability. Read our full in-depth renters insurance methodology.

How We Ranked and Picked the Best Renters Insurance Companies in Michigan

To determine the best renters insurance company, we looked at several factors.


Many people shopping for renters insurance avoid insurers with high monthly premiums. That’s just human nature.

But in most cases, an insurer with a high rate can still be a contender if you look at how many discounts it has, such as bundling, being clams-free, and going paperless.

So, we considered companies with many discounts and companies that look out of reach until you discover how many discounts they have.


Every renter has different insurance coverage needs. So, when evaluating insurers, we looked for companies with a wide range of useful coverage options.

If not. We looked at endorsements and riders that extended your coverage so that you could be paid in full for your property.


We also considered if a renters insurance company had a website and a mobile app. If it did, and if both were intuitive and easy to use even for the novice, we put that company on our list.


Renters insurance is supposed to give you peace of mind, so we took that company off our list if the cost is higher than you would like to pay.

Insurance providers with low premiums or plenty of options to lower your premium (such as discounts) ranked higher on our list than others.


We didn’t just research renters insurance quotes in the Great Lake State.

Since we needed to compare quotes to find the best policy, we looked at Michigan's most popular cities or suburbs.

These include Detroit, Ann Arbor, Troy, Novi, Livonia, Lansing, and Frankenmuth, Michigan’s biggest tourist attraction city.

That gave us a better picture of how insurance rates vary per town.

Customer Satisfaction

We scoured customer reviews from many trusted sites to see how well a renters insurance company performed.

We also considered rating companies such as AM Best and JD Powers to see if a particular renters insurance company had a high score based on customer service performance.

Augustine Reyes Chan
About the author

As a real estate professional, Augustine Reyes Chan has helped many buyers and sellers through the process of homeownership. He is an expert in the field of how-to for potential buyers, qualifying for a mortgage, and all that goes into car, homeowners, and renters insurance. Augustine Reyes Chan graduated from Columbia University with a degree in Bachelor's degree in Sociology.