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Protect What’s Yours

Renters Insurance

Even if you don’t own your home, your belongings and liability deserve reliable protection. Johannes Agency provides renters insurance for tenants across Minnesota and beyond. Since 1992, we’ve helped individuals and families find affordable coverage that keeps life secure in apartments, duplexes, and rental homes.

What’s Included in Renters Insurance Coverage

Renters insurance is one of the most cost-effective ways to protect your personal property and liability. Most policies include:

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Personal Property

Coverage for your belongings, including furniture, electronics, and clothing, if damaged or stolen.

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Loss of Use

Helps with temporary living expenses if your rental becomes uninhabitable due to a covered claim.

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Liability Protection

Pays for legal and medical costs if you’re found responsible for injuries or damage to others.

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Medical Payments

Covers medical bills if a guest is injured in your rental, regardless of fault.

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Optional Add-Ons

Extra protection for valuables like jewelry or electronics, as well as coverage for sewer backup or identity theft.

Belongings That Can Be Protected

Renters insurance covers much more than most people realize. Policies can be tailored to include:

  • Furniture & Home Goods

    Sofas, beds, appliances, and décor.

  • Electronics

    TVs, computers, tablets, and gaming systems.

  • Clothing & Personal Items

    Everyday wear plus specialty or high-value pieces.

  • Sports & Outdoor Gear

    Bicycles, camping equipment, and skis.

  • Valuables

    Jewelry, collectibles, or instruments with optional scheduled coverage.

Renters Insurance FAQs

Here are answers to the questions we hear most from renters in Minnesota:

  • Do landlords require renters insurance?

    Many landlords now require tenants to carry renters insurance. Even if it’s not mandatory, it’s one of the most affordable ways to protect your property and liability.

  • Does renters insurance cover my roommate’s belongings?

    No. Each renter needs their own policy unless both names are specifically listed. Our agents can help roommates decide the best approach for coverage.

  • Will renters insurance cover flooding in my apartment?

    Most renters policies exclude floods. If you live in a flood-prone area, we’ll help you explore separate flood insurance options.

  • How much renters insurance do I really need?

    That depends on the value of your belongings and your comfort level with liability coverage. We recommend making an inventory of your property, and then we’ll guide you to a policy that fits your budget and protection goals.

  • Does renters insurance protect items outside my apartment?

    Yes. Belongings like bicycles or laptops are often covered even if stolen or damaged away from your rental unit. Limits may apply, but additional coverage can be added if needed.