Expertise.com

Best Renter's Insurance Companies in Duluth

2024

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Providers

Last updated:

Website
2104 E 5th St, Superior, WI 54880
  • Multiple Carriers
  • Multiple Policy Types

Why choose this provider?

De Smet Agency Inc is an insurance brokerage that caters to clients in Duluth and the surrounding areas. It writes insurance policies for various properties, including rented living spaces. The renters' policy it offers covers damaged dwellings or stolen personal belongings, depending on the deductible and limit selected by the clients. Liability protection is also included to pay for the medical expenses of someone injured inside the policyholders' premises. De Smet Agency has been serving the community since 1963.

License Verified:

License: 20125496

The Minnesota Department Of Commerce Licensing Unit

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Google
4.7 / 5 (43)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
202 W Superior St Suite 400, Duluth, MN 55802
  • Multiple Carriers

Why choose this provider?

Founded in 1954, Young & Associates is an independent firm that serves the insurance needs of individuals and families in the Duluth metro. It carries an array of personal insurance products, including renters' policies. The family-owned and family-operated business helps tenants secure reimbursements for lost and damaged personal valuables due to unforeseen events like fire, storm, theft, and vandalism. It also crafts coverages for autos, motorcycles, and boats. Young & Associates was given the MN Agency of the Year Award in 2017.

License Verified:

License: 593

The Minnesota Department Of Commerce Licensing Unit

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
4.8 / 5 (58)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
6630 Grand Avenue Suite 105, Duluth, MN 55807
  • Multiple Carriers
  • Home and Auto Insurance

Why choose this provider?

Nate Kahring began his State Farm career in 2011 as a staff member in another agent's office. Kahring's experience with his previous agency would later help lay the groundwork for his office in Duluth, which he opened in 2017. His customer base includes local apartment tenants looking to protect their properties, including electronics, clothing, and furniture, against weather impacts, fires, and burglaries. Nate Kahring also works with small business owners seeking to protect their investments through workers' compensation, surety bonds, and commercial auto insurance.

License Verified:

License: 40629151

The Minnesota Department Of Commerce Licensing Unit

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (87)
Facebook
5.0 / 5 (60)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
803 Carlton Avenue, Cloquet, MN 55720
  • Multiple Carriers
  • Multiple Policy Types

Why choose this provider?

Reliable Insurance Agency serves clients throughout the Greater Duluth area. It offers a wide range of insurance products, including renters', home, life, health, Medicare Supplement, and auto insurance. The company partners with several corporations such as MetLife, The Hartford, and ASI to provide customers with the policy that suits their specific situations and needs. Reliable Insurance Agency has offices in Cloquet, Hermantown, and Superior and has received the Agency Automation Excellence Award by the Network of Vertafore Users.

License Verified:

License: 330

The Minnesota Department Of Commerce Licensing Unit

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (89)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
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Frequently Asked Questions

  • What is the broad form of renter’s insurance policy in Duluth?

    The broad form of renter’s insurance policy in Duluth provides protection for the policyholder’s personal belongings from specific events. It is the plan that is most commonly bought. The usual coverage offered by this insurance includes disasters such as fire, explosion, lightning, smoke, theft, vandalism, and water damage due to problems with the building’s utilities.

  • What is the comprehensive form of renter’s insurance policy in Duluth?

    The comprehensive form of Duluth renter's insurance policy provides coverage for various disasters, with the exception of events specifically listed as excluded in the plan. These policies may have a higher premium price because they protect against a significant amount of damage. Particularly vulnerable areas, such as those prone to violent storms and hurricanes, may necessitate the purchase of such a policy.

  • How much does renter’s insurance cost in Duluth?

    Renter's insurance in Duluth costs an average of $205 per year, or about $17 per month, for $40,000 in personal property coverage and $100,000 in liability coverage, with a $1,000 deductible. This rate is $5 higher than the state average rate of $200 per year. The rate may vary and be lower or higher depending on the coverage options selected and the policy's liability amount.

  • What are the three parts of a Duluth renter’s insurance?

    Duluth renter's insurance comprises three key components. Firstly, it safeguards the policyholder's personal items within the rented home or apartment, covering damage to these possessions. Secondly, it offers reimbursement for expenses when the rental property becomes uninhabitable due to damage, ensuring the policyholder can temporarily reside elsewhere. Lastly, the insurance provides financial protection in the event of injuries inflicted on someone else while they are on the rental property.

  • What are the 16 types of covered perils in a Duluth renter’s insurance?

    Duluth renter's insurance covers 16 perils, such as lightning, fire, hail, windstorms, explosions, civil commotion, aircraft damage, vehicular damage, smoke, vandalism, theft, falling objects, volcanic eruptions, snow, ice, and accidental water damage. It also includes incidents like tearing, burning, or freezing of systems and damage from electrical currents. The policy protects against various scenarios, ensuring comprehensive coverage for renters in Duluth.

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