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2024

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Best Renter's Insurance Companies in Fargo, ND

Our Recommended Top 8

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Fargo Renter's Insurance Companies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

41Reviewed

27Curated

8Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

1401 8th St S, Moorhead, MN 56560
WebsiteLicense: 20048100

Expertise.com Rating

Review Sources

Google
4.9 (103)
Facebook
5.0 (12)
Yelp
2.0 (1)

Why choose this provider?

State Farm agent Dave Eggers offers renters' insurance to the locals of the Fargo metro and other surrounding areas. He heads the David Eggers Insurance Agency, Inc., in Moorhead which he has been running for over 25 years. Other State Farm Insurance products he offers include coverage for auto, property, business, health, life, and homeowners' policies. He is also licensed to provide insurance policies in North Dakota, where he is a resource for Flood Insurance.

  • Home and Auto Insurance

1330 23rd St S Ste A, Fargo, ND 58103
WebsiteLicense: 2000015355

Expertise.com Rating

Review Sources

Google
5.0 (9)

Why choose this provider?

Legacy Agency is an independent company serving the Fargo metro and the surrounding communities. It offers renters' insurance plans to help individuals and families secure reimbursements for medical expenses and lost or damaged items caused by unexpected events like theft, vandalism, and natural disasters. The full-service firm also provides homeowners', flood, life, auto, and motorcycle insurance. Its team creates customized coverages suited to clients' needs. Legacy Agency represents multiple carriers, including Foremost, Progressive, and Travelers.

  • Home and Auto Insurance

1205 16th Ave S, Fargo, ND 58103
WebsiteLicense: 3000661137

Expertise.com Rating

Review Sources

Google
4.3 (6)
Facebook
5.0 (6)

Why choose this provider?

Summit Insurance is an independent agency that serves individuals and families in the Fargo metro and nearby areas. It offers a wide range of personal lines of insurance, including renters' policies. The company helps tenants secure reimbursements for lost and damaged personal items caused by vandalism, theft, and fire. It also accommodates clients who want to acquire flood, landlords', classic car, and motorcycle insurance. Summit Insurance maintains affiliations with Midwest Insurance Agency Alliance and Strategic Insurance Agency Alliance.

  • Home and Auto Insurance

540 Oak Ridge Way E, West Fargo, ND 58078
WebsiteLicense: 3000087459

Expertise.com Rating

Review Sources

Google
4.9 (144)
Facebook
4.6 (11)

Why choose this provider?

Ryan Kill is a State Farm insurance agent that provides the Fargo community and those around with a broad range of insurance options. Whether a customer needs a home, auto, life, business, or health insurance, Ryan can help match the suitable policy based on the clients' goals and needs. For renters' insurance, the coverage includes protection of personal belongings like furniture, appliance, bikes, and clothing in the event of fire, theft, vandalism or loss of use.

  • Multiple Policy Types

3523 45th St, Suite 100, Fargo, ND 58104
WebsiteLicense: 3000893345
Website

Expertise.com Rating

Why choose this provider?

Atlas Insurance Brokers provides policies to clients in the Fargo metro. It helps families and individuals obtain renters' policies. The independent agency offers personal possession and liability and additional living expense coverages to help tenants protect themselves and their personal belongings, including clothing, furniture, and appliances. It also accommodates business owners who want to acquire cyber liability and workers' compensation insurance. Atlas Insurance Brokers works with various carriers to deliver personalized insurance plans.

  • Multiple Carriers

3285 47th St S, Fargo, ND 58104
WebsiteLicense: 2000140255

Expertise.com Rating

Review Sources

Google
4.9 (49)
Facebook
5.0 (36)

Why choose this provider?

OnPoint Insurance Services is an independent agency serving clients in Fargo. It provides renters' insurance that protects policyholders against financial loss from damages caused by fires, vandalism, water damage, and burglaries. The policy also covers injuries incurred by people and pets while inside the rented spaces. In addition, the agency creates personalized risk management solutions for lives, homes, and vehicles, as well as general business liability and the agricultural industry. OnPoint Insurance Services represents multiple companies, such as MetLife and Allied Insurance.

  • Multiple Carriers
  • Multiple Policy Types

3139 Blue Stem Dr, Ste 104, West Fargo, ND 58078
WebsiteLicense: 8140752

Expertise.com Rating

Review Sources

Google
4.9 (93)
Facebook
4.6 (16)
Yelp
3.0 (2)

Why choose this provider?

Renee Forde is an insurance agent who serves clients in Fargo and the surrounding areas. She offers renters' insurance policies that help safeguard personal properties from accidents and malicious mischief, provide liability protection, and pay for additional living expenses when a covered loss renders a property uninhabitable. She also provides coverage for health, home, life, and auto and aids clients in handling banking, annuities, and mutual funds. Forde has been a State Farm agent since 2006 and is a Chartered Financial Consultant.

  • Multiple Carriers

1241 Prairie Pkwy Suite 120, West Fargo, ND 58078
WebsiteLicense: 2000127705

Expertise.com Rating

Review Sources

Google
5.0 (54)
Facebook
4.7 (12)

Why choose this provider?

Absolute Insurance Agency, LLC, is an independent insurance brokerage, which has been in the service for more than 80 years. It offers more than 41 insurance services to residents and businesses in Fargo, including personal insurance. It also provides renters' insurance and policies for homeowners and valuable items. Additionally, it provides life and health insurance, coverage for farms and ranches, and surety bonding services. Its co-owner, Pat Jones, has been an insurance producer since 1992 and a Certified Insurance Counselor since 2005.

  • Multiple Carriers
  • Multiple Policy Types
  • Home and Auto Insurance

Compare our Top Renter's Insurance Companies

NameExpertise RatingAddressPromotionsLearn more
Dave Eggers
1401 8th St S, Moorhead, MN 56560
Legacy Agency
1330 23rd St S Ste A, Fargo, ND 58103
Summit Insurance
1205 16th Ave S, Fargo, ND 58103
Ryan Kill
540 Oak Ridge Way E, West Fargo, ND 58078
Atlas Insurance Brokers
3523 45th St, Suite 100, Fargo, ND 58104
OnPoint Insurance Services
3285 47th St S, Fargo, ND 58104
Renee Forde
3139 Blue Stem Dr, Ste 104, West Fargo, ND 58078
Absolute Insurance Agency, LLC
1241 Prairie Pkwy Suite 120, West Fargo, ND 58078

FAQs

  • What is a special coverage limit on a renter's insurance policy in Fargo?

    Boats, firearms, fur, silverware, and jewelry are typically subject to a special coverage limit under the Fargo renter's insurance. The limit also applies to the theft of collectibles such as comic books, stamps, and trading cards. Special coverage limits apply to traveler's checks, gift cards, and securities. The limit can range from $1000 to $2500, depending on the item covered.

  • Does renter's insurance in Fargo also cover family members?

    Yes, Fargo renter's insurance covers the insured and their household. This means that the insured and their family members can obtain coverage for personal belongings losses as well as liability claims involving property damage and bodily injury. For instance, if the insured's child inadvertently damages a neighbor's expensive rug, the insurance will cover the cost of the damage.

  • Is flood damage covered by renter's insurance in Fargo?

    Not at all. Most renter's insurance policies exclude flood damage. For the aforementioned coverage, a separate flood insurance policy must be purchased. The National Flood Insurance Program may be able to provide low-cost insurance to renters. Contact the FEMA Mapping and Insurance eXchange Center at 877-336-2627 for more information on such insurance. For more information on flooding, contact the city's Engineering Department at 701-241-1545 or visit its office at City Hall, 225 4th Street, North Fargo, ND 58102.

  • Does identity theft protection qualify as a provision of renter's insurance in Fargo?

    Most standard Fargo renter's insurance policies do not cover identity theft losses. However, any standard policy can include identity theft coverage by adding an endorsement, which can cost up to $25 per year. When the insured reclaims their stolen identity, the endorsement provides financial benefits. Notary fees and the cost of sending dispute letters to credit bureaus are examples of such expenses.

  • Is a renter's personal belongings in storage covered if they move to another location in Fargo?

    Yes, personal belongings deposited in a Fargo storage unit are covered by renter's insurance. Nonetheless, the items may only be covered up to a certain limit, which could be a fixed dollar amount or a percentage of total coverage for all personal belongings. In general, renter's insurance can provide financial protection for the insured's belongings, no matter where they are in the world.

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