Minnesota renters insurance

Personal property protects your personal belongings, including furniture, clothing, and electronics whether they're inside your apartment or elsewhere

Loss of use helps cover costs associated with an increase in living expenses, up to your policy's limit, if you're unable to stay in your home while it's being repaired or rebuilt due to a covered loss

Personal liability protects you financially if you're legally responsible for another person's injuries or damage to their property

Medical payments to others pays for medical expenses due to a covered occurrence

Add a rider: Certain valuable items, like jewelry, may have specific limits on your renters policy. If your item exceeds the limit, you may be able to purchase an endorsement called a rider for your policy to cover the item for its value.

Personal injury coverage: May pay for legal fees and damages if you’re liable for slander or defamation

Water back-up coverage: Water that backs up through sewers or drains or discharges from a sump pump may not be covered by a standard renters policy. Water back-up coverage may pay for the damage to your belongings and water removal costs.

A small fire in your apartment damages your furniture. Personal property coverage may pay to repair or place your damaged furniture, up to your coverage limit.

Water damage in your building causes a need for significant repair in your unit, and you must move out temporarily. Loss of use coverage may pay for your lodging and food costs above what you normally spend and up to your coverage limit while you're living elsewhere.

Your friend is injured while visiting your apartment. Personal liability coverage may pay for the medical bills that result from the injury, up to your policy's limit, if you are determined to be responsible for the injury.