Renters Insurance
 
Renters Insurance for renters of apartments,
condos, homes, or town homes
 
Home is where you keep the things that matter to you. Renters Insurance can help you protect that stuff if something bad happens to it or your rental. The coverage is dependable and costs less than you might think—in some cases, it costs as much as your morning latte. Get a renters insurance quote now and see how affordable it is to protect your valuable possessions.

More ways to insure your stuff with renters insurance

Even with renters insurance, you may want to consider additional policies to further protect your belongings and finances against the unexpected. Your agent can help guide you through the details so you can make decisions that fit your needs.

Different types of coverage for renters

There's a lot worth protecting within the walls of your place. If there's a fire or theft, your landlord's insurance policy may not cover your possessions. It's a smart idea to learn about renters insurance coverage and how it works so you can make the best choices for your situation. One of our agents will be happy to walk you through:

Personal property coverage
Covers your personal belongings if they're stolen or destroyed by a fire, theft or other covered peril. It includes things like clothing, furniture, your laptop and other electronics—though you may want to opt for scheduled personal property coverage for especially expensive items and collections that you have.

Scheduled personal property
If something happens to your high-priced belongings, this covers them beyond the limits of what your personal property coverage will pay. You can add it to your policy to help cover an expensive piece of jewelry, your collection of audio equipment or other pricey items you own.

Reimbursed living expenses
Helps pay for your increased living costs if a covered loss makes your home uninhabitable. That typically includes things like food and a temporary place to live.

Liability coverage
Covers legal expenses, medical bills and other damages if someone gets injured at your place and sues you.

Guest medical coverage
Covers reasonable and necessary medical expenses, like the cost of x-rays or an ambulance, if a person injures him- or herself in or around your home.

Identity restoration coverage
If you become a victim of full-blown identity theft, it can be hard to pick up the pieces. If you add identity restoration coverage to your renters policy, you'll have a fraud specialist to help.

Renters insurance discounts for renters

Are you a long-term renter or an avowed apartment-hopper (or other)? Either way, it's important to protect your belongings. Though renters insurance is already affordable, there are many ways to save and get your costs down even further. Check out these great renters discounts:

Multi-policy discount
Adding renters insurance to a standard auto policy can help you save.

Safe home discount
Save up to 15% if your rental is equipped with qualifying safety devices and services, like a security system or fire alarms.

Automatic payment
If you sign up to have your renters insurance payment automatically withdrawn from your checking or saving account, you'll save up to 5%.

55 and retired discount
Enjoying your retirement? If you're not actively seeking full-time employment, enjoy up to 25% off your premium, too.

Claim-free discounts
Be rewarded for being claim-free. Get a discount of up to 20% as well as bonus savings for every year you stay claim-free.

Be sure to read our article about why every renter should have renters insurance:
http://www.jim-harper-insurance.com/article_renters_insurance.aspx


Call us today for your free
renters 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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