Renters Insurance

You likely have a lot of things that are important to you, including your clothes and furniture to your sound system, sports gear and computer. We understand that you want to feel confident knowing everything you’ve worked for is not at risk. Let Minnesota Lakes Insurance help you find coverage options that protect you, your family and your personal property.

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Your renters policy covers your personal property against theft or damage subject to the limits and deductibles you select. The coverage applies even when you are away from home. For a small additional premium, you can choose to carry replacement cost coverage on your personal property which ensures that you will be paid the full replacement cost of items that are damaged or stolen without deduction for depreciation.

Your renters insurance policy protects you and your family against certain bodily injury and property damage claims for which you are liable.  Legal defense is also provided in the event you are sued after a covered loss, subject to the limits you have selected. In addition, you can select medical payments coverage which will pay for medical expenses incurred by a visitor who is injured at your residence regardless of fault. Various limits are available. Let Minneota Lakes Insurance help you find the right amount of coverage to suit your insurance needs.

Whether you’re starting out, between homes or downsizing, Minnesota Lakes Insurance will help you pick the renters insurance coverage that best fits your needs. Be sure to ask about available discounts including fire alarm, burglar alarm and sprinkler system credits. The account credit for customers who package auto policies with their renters policy is likely the largest credit. Don’t forget to ask Minnesota Lakes Insurance about packaging your renters and auto to save money.

If you have special valuable items such as jewelry, art, antiques or collectibles, ask about our scheduled personal property option which provides broader coverage in the event of a covered loss.

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