Renters Protection
Renters Insurance for Life’s What-Ifs
Whether you’re in an apartment, a cozy rental home, or a condo, our renters insurance keeps your valuables and peace of mind covered. Protection tailored for your lifestyle, wherever life takes you.
Know Your Coverage
Renters Insurance: FAQs
Renters insurance can feel complex. Below, we answer some of the most common questions from renters like you.
What does renters insurance cover?
Renters insurance protects personal belongings from events like fire, theft, and vandalism. It also includes liability coverage in case someone is injured in your rental. And if an issue leaves your space temporarily unlivable, it covers additional living expenses, helping you through unexpected times.
How much renters insurance do I need?
Coverage needs vary depending on the value of your belongings and your lifestyle. If you’ve accumulated meaningful items, we suggest coverage that reflects their replacement costs. Our team can help you assess the right level of protection to match your needs.
Does renters insurance cover belongings outside my home?
Yes, many renters policies cover personal items even when they’re not at home. This includes theft from your car or while you’re on the go. Our policies help ensure your belongings stay protected, giving you confidence wherever life takes you.
Can I get renters insurance if I have roommates?
Renters insurance generally covers only the policyholder. Roommates should have their own policies to protect their personal items and liability. We can help each person get affordable, personalized coverage.
Does renters insurance cover weather-related damage?
Renters insurance generally covers events like wind damage and hail, but certain natural events, such as floods, may require additional coverage. Our team can advise on add-ons to ensure you’re protected against Minnesota’s weather swings.
Is renters insurance required to rent?
While not legally required, many landlords require renters insurance as part of the lease agreement. Even if it’s optional, having coverage is a smart way to protect your personal items and limit financial risk if an accident happens.
How much does renters insurance typically cost?
Renters insurance is often very affordable, especially compared to the value it protects. Coverage levels and location can affect the price, but our team can help you find a cost-effective policy that meets your needs and budget.
Why should I choose Garry Insurancenter?
As a trusted local agency, we know the value of a safe, protected space to call home. With over five decades of experience, we provide renters insurance that balances quality and affordability, helping you feel secure in your rental and fully supported by a team that cares.
