Renters Insurance

Local insurance agency in Minnesota

Renting a home or apartment in Fergus Falls, Ottertail, Battle Lake, Erhard, Ashby, or Dalton? Don’t assume your landlord’s insurance covers your belongings. Renters insurance helps protect what’s yours—from electronics and furniture to clothing and valuables. At JRL Agency, we help renters understand affordable options to safeguard their personal property.

Renters insurance is an easy way to get peace of mind. Protect your belongings from fire, theft, and more—often for less than you might expect. We’re here to help you find the right protection for your space and your lifestyle.

Why Renters Insurance?

Personal Property Protection

If there’s a fire, water damage, or theft, renters insurance can help replace your damaged or stolen items—like your electronics, clothes, and furniture. Your landlord’s insurance likely won’t cover your personal belongings.

Liability Coverage

If a guest is injured in your rental unit or you accidentally damage someone else's property, liability coverage can help with legal or medical expenses.

Additional Living Expenses

If your rental becomes uninhabitable due to a covered event, renters insurance can help pay for temporary housing and additional living costs while your home is being repaired.

Affordable Peace of Mind

Renters insurance is one of the most budget-friendly types of coverage. With customizable options, it’s easy to tailor a policy that fits your needs and lifestyle.

What Does Renters Insurance Cover?

  • Fire and smoke damage
  • Theft or vandalism
  • Water damage from certain causes
  • Personal liability and medical payments to others
  • Temporary housing expenses if you're displaced