Renters Insurance Quotes

We help cater policies to everyone. Maybe you are not a homeowner or a farm owner, but a renter. Many people who rent a home do not even know that there are policies just for them, and that National Farmers Union Insurance can still have you covered.

Everybody has personal property that they value and a renters policy can help protect your valuable assets from damage or loss. We take this valuable protection from the homeowners policy and put it in your hands with a renters policy. We can insure valuables on a renters policy, too. This can be anything from collectibles to jewelry or firearms to paintings.

With a renters policy, the most important part is the personal liability. Renters still suffer from the claims and losses of people slipping on the front icy steps of a rented house to having an object fall on them from a high shelf in a rented apartment. The liability portion can cover damage to others property with no deductible and protects you from lawsuits when someone is injured.

Also included on the renter's policy is coverage for vandalism, robbery, and fire. A renter is still as assessable to these risks as much as a regular homeowner and this coverage is extended to protect you worldwide. So whether your car gets broken into on a family trip or your luggage gets stolen from the airport, you are able to recover your losses.

A package discount may also apply if you are purchasing multiple policies with Farmers Union Insurance such as an auto, home, farm or ranch policy.

Three Most Frequently Asked Questions:

1) Why would I need a renters insurance policy, my landlord carries insurance?

The insurance your landlord carries covers the building structure. It does not cover your personal belongings, which include your furniture, clothes, appliances, television, or anything that you have moved into the building. a renters policy covers your personal property.

2) Does my renters insurance cover flood damage to my person belongings?

No, renters insurance does not cover you in case of a flood. A separate flood insurance policy would need to be taken out. Even though you may not live in a flood zone, you could still suffer from having water seep into your house or apartment after a long Minnesota snow blown winter begins to melt. I am a certified agent with FEMA Flood Insurance and can provide you the protection needed from water damage. If you have more questions on a flood insurance policy, please contact us.

3) How do I know how much insurance I need for my personal belongings?

The best thing to do is go through your apartment and list the things you own. Start with the big ticket items such as electronics, appliances, collectibles, and furniture. Then move down the line to clothing, kitchen utensils, and other home furnishings. Now think about how much it would cost to replace those items by purchasing them brand new. You can research prices by using the Internet or visiting stores and listing prices of items. Also, at this time you can obtain appraisals for collectibles, jewelry, and paintings you may own. Add up all these prices and that gives you a good estimate on how much insurance you should have.

To have us provide a quote for any of these services, please call us directly at (320) 769-2088 or you can use the online quote request form and we will get right back with you.