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Renters Insurance Resources Champlin MN

Don’t go without renter’s insurance. It took time to collect your valuables. An unfortunate and unexpected event could take it all away unless you were smart enough o prepare in advance with a renter’s insurance policy. Here you will find renter’s insurance tips that will help you get the best insurance coverage at just the right price. Please scroll down for information and access to the local insurance agents in Champlin, MN listed below.

Minnesota Lawyers Mutual InsuranceCompany
(612) 373-9697
333 South Seventh Street, Suite 2200
Minneapolis, MN
Prices and/or Promotions
States/Provinces Served: Colorado, Connecticut, Delaware, Idaho, Illinois, Indiana, Iowa,Kansas, Maine, Massachusetts, Minnesota, Missouri, Montana, NorthDakota, Ohio, Rhode Island, South Carolina, South Dakota,Tennessee, Utah, Virginia, Wisconsin, Wyoming

Lois Castaneda Insurance Agency
(612) 871-6830
127 W Grant Street
Minneapolis, MN
Alternate Phone Number
612-871-6830
Services
Auto, home, life, renters insurance

True Insurance Agency-Exclusive Agent to Allstate
(612) 455-6154
4708 Excelsior Blvd (at Excelsior & Grand)
St Louis Park, MN
 
Kelly Mulligan Allstate Insurance
(952) 929-9349
3925 W 50th St Suite 207
Minneapolis, MN
Services
Insurance and financial services

Germain Insurance Agency
(612) 822-7983
315 W. 46th St
Minneapolis, MN
Services
Insurance Quotes, Car Insurance, Home Insurance, Auto Insurance, Renters Insurance
Prices and/or Promotions
Call today and inquire about our discounts and get an insurance quote

American Family Insurance - Jeffrey R Mayhew
(763) 551-1074
3390 Annapolis Lane North
Plymouth, MN
Alternate Phone Number
763-551-1074
Services
Insurance

Greg Loffhagen - State Farm Insurance
(952) 920-4035
4801 Excelsior Blvd
St Louis Park, MN
 
Lee F. Murphy Insurance Group
(651) 644-7200
2361 Hwy 36 West
St. Paul, MN
Alternate Phone Number
651-644-7200
Services
Insurance Broker

Germain Insurance Agency
(612) 822-7983
315 West 46th Street
Minneapolis, MN
 
Daniel Schroeder - State Farm Insurance
(763) 557-2926
3900 Vinewood Lane #15
Plymouth, MN
Services
Business Insurance, Car and Motorcycle Insurance, Health Insurance, Home Insurance, Insurance, Life Insurance

Buying Renter's Insurance

By Julie Fishman

After college graduation, there are often a series of other graduations: Natty Ice to Bud Light; 1990 20” TV to 2007 42” Sony flatscreen; $150 canvas futon to $1,500 leather couch. But what happens to all of that accumulated wealth in the event of lightning or larceny

? It’s a common misconception that a landlord or condo association’s insurance will cover damage to a tenant’s goods in case of a catastrophe. Though the owner’s insurance will pay for structural building damage, it won’t protect personal property. Once you move into your place, you are personally liable for what goes on in the apartment. So how do you handle that responsibility?

The simple solution is renter’s insurance: like a condom, it’s low in cost ($150-300/yr) but high in benefits. Not only does it cover individual belongings, but it gives you a place to crash when your pad is trashed and covers liability in case of any injuries. Candles, robberies, volcanic toilets—the list of possible disasters is not only limitless, but, in the world of post-grad partying, not all that unlikely. Ultimately, $17 a month is a pretty cheap price to pay for peace of mind.

Disasters and Delinquents: What Does It Cover?

Most basic plans cover fire, lightning, theft, smoke, vandalism, and wind/hail storms. Included with some, or offered as an add-on, are damage due to floods, burst pipes, riots, aircraft and vehicles, freezing of plumbing, falling objects, explosions, volcanic eruptions, and weight of snow, ice, or sleet. If you're living in a flood-, hurricane-, or earthquake-plagued area, protection from those disasters may cost additional dinero. You should be able to tweak the plan to fit your needs, but sadly no plan will cover a drunk friend urinating in a Gucci-filled dresser drawer that he thought was the toilet (personal experience…except replace Gucci with Gap).

An Advantage in Adversity: What Does it Do?

  • Shields Your Stuff – Everything from a Dell computer to designer curtains can be covered by renter’s insurance. Pricey possessions, like grandma’s fur coat or grandpa’s Joe DiMaggio rookie card, may require an additional fee.
  • Provides a Provisional Pad – If a fire takes out the wall, you won’t have to relocate to a bench at the bus station. The policy will pay for temporary housing to a similarly priced pad or hotel, usually for up to 12 months until the repairs are made, rebuilding is completed, or a permanent abode is found.
  • Insures Injuries – When a soon-to-be-ex friend slips, breaks her pelvis and sues, renter’s insurance will help pay for medical and legal expenses. Renter’s insurance will not help find better friends.

Penny Wise: How Much Does it Cost?

Premium price depends on a number of factors, such as how much is actually insured, what area the digs are in, if any additional coverage is needed, and what insurance company is used. With no additional coverage, a plan will typically run $150-300/yrR...

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