Renters Legal Liability

When you’re renting a house or an apartment in Minnesota, it’s important to protect your belongings. Renters insurance can be obtained so that you have more protection. At T. French Insurance Agency, our agents can help you find a policy that you can count on.

Is renter’s insurance worth it?

You never know what could happen in a rental. The apartment above you could flood, damaging all your possessions. The neighbor next door could experience a fire, burning everything down. You could even experience a break-in where everything of value is stolen. With renter’s insurance, you can file a claim to get help with replacing everything.

In some instances, renter’s insurance is also required. You don’t get to decide whether you want it or not. This is because the landlord wants to protect you – and they’ll require proof of insurance upon moving in.

One of the most common misconceptions out there is that the landlord’s insurance covers you. This is not true, however. Their property insurance covers the building itself. Anything that happens inside of the part that you’re in is your responsibility.

How to Shop for Renters Insurance

Shopping for renter’s insurance can be overwhelming as there are big decisions to make. With our independent agents, we can answer questions and help you to customize a policy. We’ll look at such things as:

  • Coverage levels
  • The value of your belongings
  • The kind of rental you’re in
  • The risks based on where you live

By getting our help, you can be sure to have a renter’s policy that offers protection on all of your belongings. It can end up saving you a fortune if you ever must make a claim.

Call us at T. French Insurance Agency today to speak to one of our agents. We can work to find you a renter’s insurance policy in Minnesota that is affordable and offers the kind of protection you need.