Minnesota Renters Insurance

Minnesota Renters Insurance Information

We offer affordable renters insurance policies that have flexibility to meet
your individual needs and above all, provide you with the security that comes
only from the knowledge that your home is safe. If you live in an apartment or
a rented house, a Minnesota renters insurance policy covers you and your
possessions. A standard renters insurance policy protects your personal
property in many cases of theft or damage, and may pay for temporary living
expenses if your rental is damaged so seriously you can't live in it.

It can also protect you from personal liability.

The standard renters insurance policy covers the actual cash value of personal
property. Payments are based on the replacement cost of the property minus a
deduction for physical depreciation and obsolescence. If you add replacement
cost coverage (for an additional premium), the insurance company will pay one
of the two amounts below, whichever is lower?

1. The cost to replace the property with a similar type and quality
of property without a deduction for depreciation.

2. The full cost to repair at the time of the loss.

Renters insurance policy is a popular form of personal insurance and
usually contains four sections: C, D, E, and F:

Coverage C - protects your personal property, (e.g. furniture, CDs,
stereo and clothes). You choose a dollar amount limit (what you think
your possessions are worth) when you purchase a Minnesota renters
insurance policy.

Coverage D - covers loss of use - the expenses you face when your
apartment can't be used due to an insured loss. This is usually 20% of
your personal property limit.

Coverage E - covers your personal liability claims and suits for bodily
injury or property damage. You choose this limit when you buy the
Minnesota renters insurance policy.

Coverage F - pays for medical expenses for minor injuries to others
even if you were not at fault. The policy normally includes limits of
$1,000 per person.

A Minnesota renters insurance policy covers "named perils" listed on
your policy and usually include the following:

Theft, Fire or Lightning, Windstorm or Hail, Explosions, Riots,
Aircraft, Vehicles, Smoke, Vandalism, Falling objects, Weight of ice,
snow, or sleet, Accidental discharge or overflow of water or steam,
Sudden and accidental tearing apart, cracking, burning, or bulging,
Freezing, Sudden and accidental damage from artificially generated
electrical current , Volcanic eruptions (doesn't include earthquake or
tremors)

Click on the link below to fill out a quote request form for a Renters
Insurance policy that will provide excellent insurance coverage for your
apartment at an affordable cost. Or you can speak with our Minnesota
Renters Insurance agent specialist toll free at 1-877-730-4678 or locally
at (651) 730-6666 to discuss the features.

We are a local St. Paul, MN insurance agency, offering affordable
Minnesota Renters Insurance policy premiums in the following Twin
Cities area towns and counties: Minneapolis, Bloomington, Roseville,
Maplewood, North St. Paul, Oakdale, Woodbury, Cottage Grove,
South St. Paul, Inver Grove Heights, Eagan, West St. Paul, Richfield,
Burnsville, Edina, Lilydale, Mendota Heights, St. Paul Park, Lake
Elmo, Newport, Cedar Grove, Savage, Shakopee, Eden Prairie,
Minnetonka, Hopkins, St. Louis Park, Plymouth, Golden Valley,
Columbia Heights, New Hope, Crystal, Robbinsdale, Brooklyn
Center, Fridley, New Brighton, Maple Grove, St. Anthony, Arfen
Hills, Shoreview, Vadnais Heights, Little Canada, White Bear Lake,
Mahtomedi, Grant, Bellaire, North Oaks, Gem Lake, Mounds View,
Lino Lakes, Blaine, Coon Rapids, Spring Lake Park, Lexington,
Afton, Lakeland, Bayport, Stillwater, Apple Valley, Andover, St.
Cloud, Mankato, Rochester, Duluth, Anoka, Champlin, Andover, Oak
Grove, St. Michael, Hanover, Scandia, Forest Lake, Wyoming,
Rosemount, Hastings, Vermillon, Coates, Ramsey County, Hennepin
County, Dakota County, Anoka County, and Washington County,
MN. We also offer renters insurance services in the remainder of
Minnesota and throughout Wisconsin.

Proudly serving all of Minnesota
and Wisconsin for over a decade!

Baecker Insurance Agency, Inc.

373 Pedersen Street, Suite 104

St. Paul, Minnesota 55119

Ramsey County, MN

(651) 730-6666

Toll Free: 1-877-730-4678

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**The information, pictures, and other content in this website about
particular insurance services is only provided for informational
purposes. Any decisions regarding your insurance needs should be
discussed with a licensed insurance agent.

Renter Insurance Specialists