# Renters Insurance Eagan, MN | Block Agency > Minnesota renters insurance from a local Farmers® agency in Eagan. Your landlord's policy doesn't cover your stuff. Bundle with auto. (651) 252-6655. Source: https://blockagencyinc.com/renters-insurance [Home](https://blockagencyinc.com/) / Renters Insurance # Minnesota Renters Insurance: You don't own the building. You own everything in it. Your landlord's policy covers their building, not your things. Minnesota renters coverage runs about $15 to $30 a month, and we can send proof of coverage to your landlord fast. [Get My Free Renters Quote](https://blockagencyinc.com/quote?type=renters) [or call **(651) 252-6655**](tel:+16512526655) ~$135/yr Avg MN Renters Premium (NAIC 2022) $15–30 Per Month, MN Commerce Estimate $0 Landlord Policy Pays For Your Stuff Fast Proof Of Coverage To Your Landlord The Quick Answer No Minnesota law requires renters insurance, but **your lease may**, and many property managers ask for $100,000 in liability with the landlord added as an additional interest. According to the Minnesota Department of Commerce, ** your landlord's insurance covers the building, not your belongings**. A renters policy (an HO-4) covers your ** belongings** (including things stolen from your car, which auto insurance does not cover), ** loss of use** if your unit becomes unlivable, ** personal liability**, and ** medical payments** for guests. Commerce estimates it costs ** about $15 to $30 a month**, and NAIC data put Minnesota's 2022 average at ** about $135 a year**. Water from a frozen pipe that bursts in another unit is generally covered; ** flood is not**, and ** sewer backup needs its own endorsement**. ** Block Agency**, a Farmers Insurance® agency in Eagan, quotes renters coverage free and can bundle it with auto at **[(651) 252-6655](tel:+16512526655)**. Typical cost : About $15 to $30 a month (MN Commerce) Required by : Your lease, not state law Landlord's policy : Covers the building, not your things Free quotes : [(651) 252-6655](tel:+16512526655) Minnesota Renters Insurance, The Short Version ## The cheapest policy in insurance. And plenty of renters skip it. Plenty of renters go without coverage. The usual reasons are that it seems like an expense for people with more stuff, or that the landlord surely has it covered. Neither survives contact with an actual claim. The Minnesota Department of Commerce puts it plainly: **your landlord's coverage protects the building, not your belongings.** Here is the honest math. Commerce estimates renters insurance runs **about $15 to $30 a month**, and NAIC data put Minnesota's 2022 average at ** about $135 a year**, below the national average. Now add up what is in your apartment at replacement prices: the mattress, the couch, the desk, every screen, the kitchen, the closet, the winter gear, the bike. Most people are startled by their own list. Then there is the part nobody mentions: **liability**. Your policy is not really about your couch. It is about the day your bathtub overflows into the two units below, or your dog bites someone at the park, or a friend slips on your icy steps. Those become five and six figure problems attached to your name, and they are the reason many leases require coverage in the first place. Your landlord's policy protects your landlord, not you. And the quiet bonus: **bundling renters with your [auto policy](https://blockagencyinc.com/auto-insurance) can earn a multi-policy discount**, where available, that can lower the cost. Block Agency is a local Farmers agency, and we can also shop additional carriers when Farmers isn't the right fit. Call and we will price both policies and show you the numbers side by side. ## Four coverages. And the things people assume are covered but aren't. A renters policy, technically an **HO-4**, does four jobs. The exclusions are just as worth knowing as the coverages. Coverage C $20k to $50k ### Personal Property Everything you own, and it follows you: your belongings are covered in your unit, in your car, at the gym, and on vacation. Jewelry, watches, and cameras carry sub-limits around $1,500 to $2,500, so anything meaningful gets scheduled separately. Coverage D Real Rent ### Loss of Use Pays for somewhere to live when your unit is unlivable after a covered loss. If your current rent is well below what the Twin Cities market asks today, this limit deserves an actual look instead of the default. Coverage E $100k to $500k ### Personal Liability The real reason your lease requires this. Covers you when you injure someone or damage their property, including the overflowing tub into the unit below, plus legal defense. Follows you off the property too. Coverage F $1k to $5k ### Medical Payments Pays a guest's minor medical bills regardless of fault, no lawsuit needed. Small limits, small cost, and it settles the kind of thing that would otherwise turn into a liability claim against you. Not covered The Walls ### The Building Itself Roof, plumbing, structure, and common areas belong to your landlord's policy. Their policy covers their asset and does nothing for you. This is the assumption that costs people the most. Not covered Roommates ### Your Roommate's Stuff A standard policy covers you and a spouse or domestic partner. A roommate on the same lease is not covered by your policy. Everyone needs their own, which also means nobody's claim eats someone else's limit. Not covered Unless Added ### Sewer & Drain Backup Water that backs up through a floor drain or sewer line is not covered by a standard renters policy, and it is not flood either. It is an endorsement you add. Renting a basement or garden-level unit? Add it. Not covered Flood ### Flood Rising water from outside needs separate coverage. A [contents-only flood policy](https://blockagencyinc.com/flood-insurance) covers your belongings. Water from inside the building, like a pipe that freezes and bursts in the unit next door or the upstairs tub, is generally covered. Not covered Your Car ### The Vehicle Itself The car is your [auto policy's](https://blockagencyinc.com/auto-insurance) job. But what was *inside* the car when the window went is a renters claim. The two policies hand off to each other, which is exactly why bundling them makes sense. ### Need proof of insurance before you sign the lease? We do this constantly, and proof of coverage goes out fast. We will add your landlord as additional interest and send the certificate straight to them. [Get Covered Today](https://blockagencyinc.com/quote?type=renters) [Call (651) 252-6655](tel:+16512526655) Coverage Basics ## The four things worth getting right on an inexpensive policy. It is cheap enough that most people buy the first thing they are offered. These are the choices that separate a policy that works from a policy that technically exists. ### 1. Replacement cost, not actual cash value This is the most important line on a renters policy, and it is a checkbox. **Replacement cost** pays what it takes to buy a new equivalent today. ** Actual cash value** pays what your stuff is worth used, which is almost nothing. Your four-year-old laptop is worth maybe $300 at cash value and $1,400 to replace. The upgrade to replacement cost costs a few dollars a month and roughly doubles what the policy is worth to you at claim time. If your current policy is actual cash value, that is the first thing we fix. ### 2. Liability, sized to the damage you could actually cause Renters default to $100,000, which is what most leases require, and it is thinner than it sounds. One overflowing tub in a stacked apartment building can damage several units. A dog bite claim regularly clears six figures. Moving from $100,000 to $300,000 or $500,000 usually costs a few dollars a month. Measured in dollars of protection per dollar of premium, it is the best buy on the page, and it is the coverage most likely to be the reason you were glad you had a policy. ### 3. Loss of use, sized to today's rent Loss of use pays the gap between your normal housing cost and what you are forced to spend after a covered loss. Around the Twin Cities, a fire or a burst pipe in January can put you out of your unit for weeks or months, and you will be renting short-term at whatever the market charges. This is the coverage that quietly matters most, and it is the one nobody reads. We will check that the limit reflects what your neighborhood actually costs now. ### 4. Scheduling the things that matter An engagement ring, a camera kit, a good bike, a musical instrument, a watch that meant something. Standard sub-limits cap these around $1,500 to $2,500 no matter how much total coverage you carry, so a $6,000 ring is a $1,500 claim. **Scheduling** an item lists it individually at an agreed value, usually removes the deductible for that item, and broadens the covered causes to include simply losing it. It costs very little. Bring us the appraisal or the receipt and we will add it. ### Already have a policy? Let us read it with you. Replacement cost or cash value, liability limit, loss of use, sub-limits on the ring. Four things, five minutes, no charge and no pitch. [Check My Policy](https://blockagencyinc.com/quote?type=renters) [Call (651) 252-6655](tel:+16512526655) ## Six ways to pay even less. On something already cheap. The first one matters most: **bundling with auto can bring the total down**. The rest are small, but they stack. 1 ### Bundle with your auto policy A multi-policy discount on renters plus auto, where available, is simple to ask about, and it takes one phone call. Start with an [auto quote](https://blockagencyinc.com/auto-insurance) and we will price the pair together. 2 ### Take the deductible you can actually cover Moving from $500 to $1,000 trims the premium. On a policy this cheap the savings are modest, so only do it if you could write that check tomorrow without stress. Do not raise the deductible past your emergency fund to save $30 a year. 3 ### Claim the building's safety features Sprinklers, monitored alarms, smoke detectors, secured entry, a gated garage. Many apartment buildings have several of these and most renters never mention them. They are worth real percentage points. 4 ### Pay in full and go paperless Small, boring, automatic. Paying annually rather than monthly avoids installment fees, and both discounts are worth asking about, where available. 5 ### Do not file a tiny claim A $700 loss on a $500 deductible nets you $200 and puts a claim on your record for years, which follows you into your next policy and eventually your homeowners policy. Save the claim for the loss that actually hurts. 6 ### Do not under-insure to hit a price Dropping to $10,000 of personal property to save four dollars a month is not saving, it is pretending. The whole point is that the policy is cheap enough to buy properly. What we will not do is talk you into limits you do not need either. ## However you rent. We cover it. Apartment, house share, rental home, a student place near campus. The policy shifts to match. [### Apartment & complex renters The classic case, and the one where liability matters most. Water travels downward through stacked units, and your lease already knows it.](https://blockagencyinc.com/quote) [### Roommates & house shares Everyone needs their own policy, which is genuinely better: separate limits, separate deductibles, and no argument about whose claim used up the coverage.](https://blockagencyinc.com/quote) [### Students off campus U of M, St. Thomas, Normandale, Inver Hills, UW–River Falls. A dedicated policy is often cleaner than relying on a parent's homeowners coverage, and the off-campus lease may require one anyway.](https://blockagencyinc.com/quote) [### Anyone with a commute and a laptop Car break-ins happen everywhere, and what was in the car is a renters claim, not an auto claim. This coverage alone tends to justify the premium.](https://blockagencyinc.com/quote) [### Renters with pets Dog bite claims can clear six figures and land on your liability coverage. Tell us about your pets up front and we will make sure the liability limit fits.](https://blockagencyinc.com/quote) [### Renting, but buying soon Your renters policy and claims history follow you into homeownership. Keeping clean coverage now makes the [home](https://blockagencyinc.com/home-insurance) or condo policy easier and cheaper later — and we handle the handoff.](https://blockagencyinc.com/home-insurance) ### About $15 to $30 a month to protect your belongings. One call, a few questions about your place and your stuff, and you are covered. We can have the certificate to your landlord before you hang up. [Get My Free Quote](https://blockagencyinc.com/quote?type=renters) [Call (651) 252-6655](tel:+16512526655) ## Renters insurance in Eagan. And across the Twin Cities metro. Renters rates move with your building and your neighborhood, not just your city. We serve Minnesota and western Wisconsin. Tell us the ZIP and we will price your actual address. [Get Quote](https://blockagencyinc.com/quote) [Eagan](https://blockagencyinc.com/quote) [Burnsville](https://blockagencyinc.com/quote) [Apple Valley](https://blockagencyinc.com/quote) [Lakeville](https://blockagencyinc.com/quote) [Inver Grove Heights](https://blockagencyinc.com/quote) [Mendota Heights](https://blockagencyinc.com/quote) [Rosemount](https://blockagencyinc.com/quote) [Farmington](https://blockagencyinc.com/quote) [Savage](https://blockagencyinc.com/quote) [Prior Lake](https://blockagencyinc.com/quote) [Bloomington](https://blockagencyinc.com/quote) [Woodbury](https://blockagencyinc.com/quote) [Saint Paul](https://blockagencyinc.com/quote) [South St. Paul](https://blockagencyinc.com/quote) [Hastings](https://blockagencyinc.com/quote) [Hudson, WI](https://blockagencyinc.com/quote) [All of Minnesota & Wisconsin](https://blockagencyinc.com/quote) ## Minnesota renters insurance questions. Straight answers. Is renters insurance required in Minnesota?+ **No Minnesota law requires it. Your lease may**, and that is enforceable: many property managers require a policy with a minimum liability limit, often $100,000, with the landlord listed as an additional interest. Additional interest simply means the landlord gets notified if your policy lapses. It does not give them coverage or let them file claims on your policy. If your lease requires renters insurance and you let it lapse, that is a lease violation, so it is worth keeping current. How much does renters insurance cost in Minnesota?+ The Minnesota Department of Commerce estimates **about $15 to $30 a month**. NAIC data put Minnesota's 2022 average at ** about $135 a year**, below the national average. Price moves with your coverage amount, your deductible, your ZIP code, and your building. Bundling renters with your [auto policy](https://blockagencyinc.com/auto-insurance) can also earn a multi-policy discount, where available, which can lower the total. What does renters insurance actually cover?+ Four things. **Personal property**, meaning your belongings, wherever they are. ** Loss of use**, which pays for somewhere to live if your unit becomes unlivable after a covered loss. ** Personal liability**, which covers you if you injure someone or damage someone else's property, including legal defense. And ** medical payments** for a guest's minor injuries. Covered causes include fire and smoke, theft, vandalism, windstorm and hail on most policies, and most sudden water damage, like a pipe that freezes and bursts. What it never covers: **the building itself**, which is your landlord's job, and flood, which is written separately. Sewer backup needs its own endorsement. Doesn't my landlord's insurance cover me?+ No. The Minnesota Department of Commerce is clear on this: your landlord's coverage protects **the building**, not your belongings. It covers their asset, not your life inside it. If a kitchen fire in the unit above yours destroys everything you own, the landlord's insurance rebuilds the walls and replaces nothing of yours. Your furniture, laptop, clothes, and the hotel you are now living in are all yours to pay for, unless you have your own policy. Does renters insurance cover my roommate?+ **Generally no.** A standard policy covers the named insured and a spouse or domestic partner. A roommate you are not related to or partnered with is not covered by your policy, even if you share the lease and the rent. Each roommate needs their own policy. This is a good thing: separate policies mean separate limits, separate deductibles, and no argument about whose claim ate the coverage. If you own the unit rather than rent it, you need [condo insurance](https://blockagencyinc.com/condo-insurance) instead. Does renters insurance cover hail, wind, or frozen pipes?+ **Generally yes, for your belongings.** Wind and hail are covered perils on most renters policies, and loss of use applies if covered damage makes your unit unlivable. Two Minnesota footnotes. Water from a pipe that freezes and bursts, in your unit or the one next door, is generally covered as sudden water damage. Water that backs up through a sewer or floor drain is not, unless you add a **sewer backup endorsement**. Does renters insurance cover flooding?+ **No.** Rising water is excluded, whether it comes from a river, spring snowmelt, or a storm that overwhelms the street. That matters most in basement and garden-level units. The fix is a [contents-only flood policy](https://blockagencyinc.com/flood-insurance) through the NFIP or a private insurer, which covers your belongings rather than a building. Water from inside the building, like a burst pipe or the upstairs neighbor's overflowing tub, is sudden accidental damage and is covered by the standard policy. Does renters insurance cover my stuff stolen from my car?+ **Yes, and this catches people out constantly.** Your auto insurance covers the car. It does not cover what was inside it. The laptop taken in a smash-and-grab is a ** renters** claim, not an auto claim, and it is covered under personal property minus your deductible. That coverage follows your belongings almost everywhere: a stolen bike at the gym, luggage taken on vacation, a laptop lifted from a coffee shop. How much personal property coverage do I need?+ More than you think. Walk the apartment and add up what it would cost to replace everything at today's prices, not what you paid. Furniture, every screen, kitchen equipment, clothes and winter gear, bikes, tools, instruments. Most people land between **$20,000 and $50,000**, and most people underestimate on the first pass. Watch the sub-limits. Jewelry, watches, firearms, cameras, and collectibles are capped, often around $1,500 to $2,500 regardless of your overall limit. An engagement ring worth more than that should be **scheduled** separately, which also usually removes the deductible on that item. What's the difference between replacement cost and actual cash value?+ **Replacement cost** pays what it takes to buy a new equivalent today. ** Actual cash value** pays what your stuff is worth used, which is almost nothing. Your four-year-old laptop is worth maybe $300 at cash value and $1,400 to replace. The upgrade to replacement cost costs a few dollars a month and roughly doubles what the policy is worth to you at claim time. If your current policy is actual cash value, that is the first thing we fix. Is loss of use coverage important in Minnesota?+ More than people expect. Loss of use pays the difference between your normal housing cost and what you are forced to spend when your unit is unlivable after a covered loss. A fire or a burst pipe in the middle of a Minnesota winter can put you out of your unit for weeks or months, and short-term housing is not cheap. That gap is precisely what this coverage pays for, and the default limit deserves an actual look rather than a shrug. Can you send proof of insurance to my landlord today?+ **Usually, yes.** This is routine, and we send proof of coverage fast. We add your landlord or property manager as an ** additional interest**, which is what most leases actually ask for, and send the certificate directly to them. If you are signing a lease this week and need proof before you get keys, call and say so. We will make it the first thing we do. Still have questions? [Call (651) 252-6655](tel:+16512526655). We will give you a straight answer. ## Bundle it. Keep it simple. [Get a renters quote](https://blockagencyinc.com/quote?type=renters) [Auto insurance](https://blockagencyinc.com/auto-insurance) [Home insurance](https://blockagencyinc.com/home-insurance) [Call (651) 252-6655](tel:+16512526655) ## Covered today, for about the price of lunch. Proof to your landlord included. Tell us where you live and roughly what is in it. We will quote it, bundle it with your car, and send the certificate to your landlord. [Get My Free Renters Quote](https://blockagencyinc.com/quote?type=renters) [or call **(651) 252-6655**](tel:+16512526655) --- **Farmers Insurance - Block Agency** · 1121 Town Centre Drive, Suite 101, Eagan, MN 55123 · (651) 252-6655 · Mon–Fri 9:00 AM–5:00 PM; evenings by appointment Request a quote: https://blockagencyinc.com/quote-request (plain HTML form) or https://blockagencyinc.com/quote (guided).