Renters Insurance Minnesota — Frankot Agency
Renters Insurance
Affordable protection for everything you own.
Your landlord's insurance covers the building — but not your stuff. Renters insurance from Frankot Agency protects your personal belongings, covers liability, and costs less than you might think.
What's Covered
What Renters Insurance Covers
Personal Property
Covers your furniture, electronics, clothing, and valuables if they're stolen, damaged by fire, or destroyed by a covered event.
Liability Coverage
Protects you if someone is injured in your apartment or if you accidentally damage someone else's property.
Loss of Use
Pays for a hotel or temporary housing if your apartment becomes uninhabitable due to a covered loss like a fire.
Medical Payments
Covers minor medical expenses for guests injured in your home, regardless of fault.
Off-Premises Coverage
Your belongings are often covered even when you're away from home — in your car, at school, or traveling.
Valuable Items Rider
Optional add-on for high-value items like jewelry, cameras, or musical instruments that exceed standard policy limits.
Why Frankot Agency
Local Expertise,
Personal Service
As an independent Minnesota insurance agency, we work for you — not the insurance companies. That means we shop multiple carriers to find you the best coverage at the best price.
- Policies starting at just a few dollars per month
- Bundle with auto insurance for additional savings
- Coverage follows you — not just your apartment
- Fast, easy quotes with no obligation
- Local Minnesota agents who explain your coverage clearly
- Required by many Minnesota landlords — we make it simple
Common Questions
Frequently Asked Questions
How much does renters insurance cost in Minnesota?
Renters insurance is surprisingly affordable — most policies cost between $15 and $30 per month depending on your coverage limits, deductible, and location. Bundling with auto insurance can reduce the cost even further.
Does renters insurance cover my roommate?
Standard renters insurance only covers the named policyholder. Your roommate would need their own policy unless they are specifically added to yours. We can help you figure out the best approach for your living situation.
My landlord requires renters insurance — can you help?
Absolutely. Many Minnesota landlords now require tenants to carry renters insurance. We can get you a policy quickly and provide proof of insurance for your landlord.
Does renters insurance cover my car?
Renters insurance does not cover your vehicle — that's what auto insurance is for. However, it may cover personal items stolen from your car, like a laptop or camera bag, depending on your policy.
Ready to get covered?
Talk to a local Minnesota agent today — no pressure, no obligation.