Renters Insurance in Minnesota
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What does renters insurance in Minnesota protect you against?
Renters insurance protects your stuff against several potential damages (or “perils” in insurance speak). A standard renters insurance policy in Minnesota covers perils like:
- Smoke
- Riots
- Theft & Break-ins
- Freezing
- Explosion
- Aircraft
- Vandalism
- Vehicles
- Fire or lightning
- Windstorm or hail
- Falling objects
- Volcanic eruption
How much does renters insurance cost in Minnesota?
As of 2026, renters insurance in Minnesota typically averages $20 per month. That’s less than your monthly coffee budget for protection that could save you thousands. Factors like your location, how much coverage you select, and your deductible determine how much you’ll pay.
| City | Average monthly cost |
|---|---|
| Minneapolis | $22 |
| Bloomington | $22 |
| Duluth | $21 |
| Saint Paul | $20 |
Source: ValuePenguin
What does renters insurance cover in Minnesota?
It’s not just about your stuff, renters insurance in Minnesota also covers:
Personal liability
Renters insurance will help replace what you own if it gets stolen, damaged, or destroyed by a covered event
Loss of use
Burst pipe makes your place unlivable? Renters insurance will cover hotel costs above what you normally spend
Medical payments
Guest cuts themselves on broken glass? Renters insurance handles the cost of their ER visit
Want to learn more about what renters insurance covers (and what it doesn’t)?
Check our coverage guide.
Why Minnesota renters need renters insurance?
Minnesota renters face unique risks that make coverage essential.
Tornado protection
Wind, hail, and (some) water damage when Minnesota thunderstorms and tornadoes hit
Theft protection
We’ll cover your electronics whether it’s a break-in or grab-and-go
Severe weather displacement
Storm keeping you out of your place? We’ve got you covered
How much renters insurance coverage do I need in Minnesota?
The right amount depends on what you own and your lifestyle. Here’s how to calculate what you need.
Personal property coverage
Walk through your rental and add up what it would cost to replace everything: furniture, electronics, clothes, kitchen items, and personal belongings. That total should be your personal property coverage limit.
Read moreLoss of use coverage
Think about how much you'd spend on temporary housing, meals, and other expenses if your rental became unlivable. A week in a hotel plus meals can cost you thousands of dollars, so factor in your local costs when deciding.
Read morePersonal liability coverage
Standard coverage starts at $100,000 and covers medical bills and legal fees if someone gets hurt in your rental or if you accidentally damage someone else's property. Check your lease requirements first.
Read moreHow to save on renters insurance rates
Renters insurance is generally quite affordable, but there are still some ways you can save:
Bundle
Combine your renters insurance with other policies to unlock bundle discounts
Pay in full
Paying your annual premium upfront instead of monthly saves money by avoiding processing fees
Security devices
Fire alarms and security systems can lower your rate based on your rental’s safety features
Minnesota renters insurance FAQs
Is renters insurance required in Minnesota?
No, there’s no federal or state law requiring you to get renters insurance, but it is required by law that you comply with your lease. So, if those terms include having renters insurance, you need to make sure you’re covered.
Most landlords and property managers require you to provide proof of your renters insurance policy before you sign your lease. Sometimes, they’ll also ask for proof of insurance each time you renew your lease. Your landlord may even require you to list them on your policy as an interested party so that they’ll be notified if you cancel your policy.
Can I insure high-value items like jewelry or art?
Yes! Lemonade’s Extra Coverage provides enhanced protection (and zero-deductible claims!) for high-value items—like jewelry, cameras, bicycles, or art worth $350 or more. You’ll also be covered for accidental damage or mysterious loss, which a standard renters policy won’t cover.
What information do I need to get a renters insurance quote?
Getting a renters insurance quote takes just a few minutes. You’ll need:
- Your rental address and move-in date
- An estimate of what your belongings are worth
- Your preferred deductible amount
- Basic details about your rental (apartment, house, or condo)
- Any security features like fire alarms or security systems
Most quotes take under 5 minutes, and you can adjust your coverage anytime through the Lemonade app.
Does Minnesota renters insurance cover blizzard damage?
Yes, Minnesota renters insurance covers blizzard damage to your belongings in most cases. If heavy snow or ice from a blizzard damages your personal property, like a roof collapse from snow weight, that’s covered. Wind damage is also covered if the blizzard winds break a window or door and then damage your stuff inside. Your personal belongings are protected from the weight of snow, ice, and qualifying wind damage during Minnesota’s severe winter storms.
Does Minnesota renters insurance cover damage from falling trees?
Yes, falling tree damage to your belongings is covered under Minnesota renters insurance. If heavy snow, ice storms, or strong winds cause a tree or large branch to fall and damage your personal property, your coverage applies. This is a smart choice for Minnesota renters since winter weather frequently causes trees to fall due to ice accumulation and snow weight.
All coverage is subject to individual policy limits, terms, and conditions. Certain items mentioned in this article, including electronics, jewelry and watches, art and musical instruments, and some collections, are subject to sub—limits under standard renters insurance policies and may need to be scheduled separately for full protection. Any hypothetical examples used in Lemonade editorial content are purely expositional. Hypothetical examples do not alter or bind Lemonade to any application of your insurance policy to the particular facts and circumstances of any actual claim. The costs shown in this article are sourced from Value Penguin, accessed January 2026.
Continue Reading
What Does Renters Insurance Cover in 2026
Renters insurance may cover more than you think.
How Much Is Renters Insurance in 2026?
Hint: Renters insurance costs much less than you think.
How to Get Renters Insurance
Signing up is much easier and simpler than you think.
Car and Renters Insurance Bundle
Combine forces to unlock savings and convenience.
How to File a Renters Insurance Claim
How to file renters insurance claims fast and get your settlement quickly and smoothly.
Does Renters Insurance Cover Natural Disasters?
Protect your stuff against unexpected catastrophes.