Landlord Insurance
and other

Investment Property Insurance 

If you own a rental property you can enjoy dependable coverage with one of our landlord insurance policies. You will have the support of a knowledgeable agent to help guide you through your many insurance options. One of our agents can get a landlord insurance quote, and if you start the policy you can get peace of mind when you hand over the keys.

Your landlord insurance for your rental property will help protect you from many problems that you could encounter.

Protect your investment property
with Landlord insurance

When the property you own is also a source of income, protecting it against loss is even more important. You have many coverage options to choose from—some come standard and others are add-ons. Talk to one of our agents about what landlord coverage types are available to you.

Dwelling protection
Covers your rental property and the structures attached to it, like a deck, if something should happen to them.

Other structures protection
Covers garages, sheds and other buildings that are separate from your rental property.

Liability coverage
Covers you if you're sued after an accident, damage or loss related to your property. For example, you might have a lawsuit on your hands if your tenant injures himself on broken stairs in your rental.

Fair rental income coverage
Helps pay the rental income you would otherwise lose if your rental becomes uninhabitable due to a covered loss and your tenants have to move out. You can keep the money coming in for up to 12 months while the unit is being repaired or rebuilt.

Premises medical protection
This type of coverage can help pay for reasonable and necessary medical expenses if someone is injured in an accident on your rental property.

Vandalism coverage
If your rental is vandalized, this add-on can help cover the cost to repair or replace what was damaged. It also provides coverage for belongings used for the rental property.

Burglary coverage
In the event of a burglary, adding burglary coverage to your landlord insurance policy could help pay for the repairs or replacements your dwelling needs. It covers belongings used for your rental property as well.

Rental property under construction
If you're renovating a rental property or building a new construction, this additional coverage could help cover the dwelling before it's ready for occupancy.

Building code coverage
When you're fixing things up after a covered loss, adding building code coverage to your landlord policy could help cover the increased cost of enforcing any building codes, ordinances or laws regulating the construction, reconstruction, maintenance, repair or demolition of your dwelling.

Cover your bases with additional insurance

Landlord insurance can help protect you in many situations; however, there are a few events that aren't typically covered in landlord policies you might want to consider. These additional policies can help safeguard against flood damage and expensive lawsuits. Learn more about:

Flood insurance
This policy can cover the damage done to your rental properties by floods, which are the #1 natural disaster in the U.S.

Personal umbrella insurance
You don't have to be a millionaire to be sued like one. Since owning multiple properties gives you more to lose in a major lawsuit, you may want the extra liability coverage personal umbrella insurance provides. 

Call us today for a free
Landlord insurance quote or other
Investment Property insurance quote
 
(952) 473-2110

 

MINNESOTA cities that the Jim Harper Insurance Agency serves:

Afton, Albert Lea, Andover, Annandale, Anoka, Anoka County, Apple Valley, Arden Hills, Austin, Bayport, Bethel, Blaine, Bloomington, Brainerd, Brooklyn Center, Brooklyn Park, Buffalo, Burnsville, Champlin, Chanhassen, Chaska, Cloquet, Columbia Heights, Coon Rapids, Corcoran, Cottage Grove, Cross Lake, Crystal, Dakota County, Dayton, Deephaven, Delano, Dellwood, Detroit Lakes, Duluth, Eagan, Eden Prairie, Edina, Elk River, Excelsior, Fairmont, Falcon Heights, Faribault, Farmington, Forest Lake, Fridley, Fergus Falls, Gem Lake, Golden Valley, Grand Rapids, Greenfield, Greenwood, Hamel, Hastings, Hennepin County, Hibbing, Highland Park, Hopkins, Independence, Inver Grove Heights, Lake Elmo, Lakeland, Lakeville, Lauderdale, Lexington, Lilydale, Lino Lakes, Little Canada, Long Lake, Loretto, Mahnomen, Mahtomedi, Mankato, Maple Grove, Maple Lake, Maple Plain, Maplewood, Mayer, Medina, Mendota Heights, Minneapolis, Minnetonka, Minnetonka Beach, Minnetrista, Monticello, Mound, Mounds View, Navarre, New Brighton, New Hope, Newport, North Mankato, North Oaks, North St. Paul, Norwood, Oakdale, Orono, Plymouth, Prior Lake, Ramsey, Ramsey County, Richfield, Robbinsdale, Rochester, Rockford, Rogers, Rosemount, Roseville, Savage, Shakopee, Shoreview, Shorewood, South St. Paul, Spring Lake Park, Spring Park, St. Anthony, St. Bonifacius, St. Cloud, St. Croix, St. James, St. Louis Park, St. Michael, St. Paul Park, Stillwater, Tonka Bay, Vadnais Heights, Victoria, Waconia, Washington County, Watertown, Wayzata, West St. Paul, White Bear Lake, Woodbury, Worthington, Wyoming, Young America, Zimmerman.
 
WISCONSIN cities that the Jim Harper Insurance Agency serves:

Allouez, Appleton, Ashwaubenon, Baraboo, Beaver Dam, Bellevue, Beloit, Brookfield, Brown Deer, Burlington, Caledonia, Cedarburg, Chippewa Falls, Cudahy, De Pere, Eau Claire, Fitchburg, Fond du Lac, Fort Atkinson, Franklin, Germantown, Glendale, Grafton, Grand Chute, Green Bay, Greendale, Greenfield, Hartford, Howard, Hudson, Janesville, Kaukauna, Kenosha, La Crosse, Little Chute, Madison, Manitowoc, Marinette, Marshfield, Menasha, Menomonee Falls, Menomonie, Mequon, Merrill, Middleton, Milwaukee, Monroe, Mount Pleasant, Muskego, Neenah, New Berlin, Oak Creek, Oconomowoc, Onalaska, Oshkosh, Pewaukee, Platteville, Pleasant Prairie, Plover, Port Washington, Racine, Richfield, River Falls, Sheboygan, Shorewood, South Milwaukee, Stevens Point, Stoughton, Suamico, Sun Prairie, Superior, Two Rivers, Watertown, Waukesha, Waunakee, Waupun, Wausau, Wauwatosa, West Allis, West Bend, Weston, Whitefish Bay, Whitewater, Wisconsin Rapids.

IOWA cities that the Jim Harper Insurance Agency serves:
 
Altoona, Ames, Ankeny, Atlantic, Bettendorf, Boone, Burlington, Carroll, Cedar Falls, Cedar Rapids, Charles City, Clear Lake, Clinton, Clive, Coralville, Council Bluffs, Creston, Davenport, Decorah, Denison, Des Moines, Dubuque, Estherville, Fairfield, Fort Dodge, Fort Madison, Grinnell, Hiawatha, Independence, Indianola, Iowa City, Johnston, Keokuk, Knoxville, Le Mars, Maquoketa, Marion, Marshalltown, Mason City, Mount Pleasant, Muscatine, Nevada, Newton, Norwalk, Oelwein, Oskaloosa, Ottumwa, Pella, Perry, Red Oak, Sioux Center, Sioux City, Spencer, Storm Lake, Urbandale, Washington, Waterloo, Waverly, Webster City, West Des Moines.

Our insurance agents
:
- Chris Zwilling, insurance agent
- Charlene Harper, insurance agent
- Jim Harper, insurance agent and agency owner
 
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