Renters Insurance · Minnesota
Renters insurance is one of the most undervalued policies out there — and one of the least expensive. For most renters in Minnesota, coverage for your belongings, liability, and temporary living costs runs less than $20 a month. Your landlord's policy covers the building, not your stuff.
What's Covered
Renters insurance is one of the most undervalued policies out there — and one of the least expensive. For most renters in Minnesota, coverage for your belongings, liability, and temporary living costs runs less than $20 a month. Your landlord's policy covers the building, not your stuff.
Covers your furniture, electronics, clothing, appliances, and other belongings if they're stolen or damaged by a covered peril — fire, water, theft, vandalism. Replacement cost coverage pays what items cost today, not their depreciated value.
Covers you if someone is injured in your apartment or if you accidentally damage someone else's property. Standard renters policies include $100,000 in liability — we often recommend $300,000 for renters who have visitors or pets.
If your unit becomes uninhabitable after a covered loss, this pays your temporary hotel or rental costs while repairs are made. Even small apartment fires can displace you for weeks.
Pays minor medical expenses if a guest is injured in your home, regardless of fault. Usually a small sublimit ($1,000–$5,000) — keeps minor incidents from becoming liability claims.
Most renters policies cover your belongings even when they're away from home — a bike stolen from outside, a laptop taken from your car. Limits vary by carrier; we'll make sure yours is adequate.
Why Dayton Insurance
We're not tied to one carrier's products. We shop across multiple companies to find the right fit — and stay with you through every renewal.
We work with many of the top A-rated carriers in Minnesota — so we're always looking for your best option, not pushing a single company's product.
You work directly with a licensed Minnesota producer — not a call center — from your first quote through every renewal and every claim.
We tell you what we find, walk you through the options honestly, and let you decide. No fee for a quote, no obligation to switch.
Ready when you are
Fill out the form and we'll get back to you within one business day. Prefer to talk now? Call or text (651) 243-0056.
Common Questions
No. Your landlord's policy covers the building structure only. If there's a fire, burst pipe, or theft, your belongings are not covered by your landlord's insurance. Renters insurance fills that gap.
Enough to replace your belongings if they were all destroyed at once. Take a quick inventory — most renters underestimate this. A $25,000 personal property limit is a reasonable starting point for most apartments.
No — car coverage is separate. Renters insurance may cover items stolen from your car (like a laptop), but doesn't cover the car itself or damage to it.
Some carriers allow it, some don't — and the rules vary. The safest approach is for each person to carry their own renters policy. It's inexpensive enough that sharing usually isn't worth the coverage complications.
