The top-rated landlord insurance agent in St Cloud, Minnesota is Dan Anderson - State Farm Insurance Agent, rated 5.0 stars across 615 reviews. Other highly rated options include Ken Bellicot - State Farm Insurance Agent, The Lyle Group: Allstate Insurance, Hess Partners Insurance Agency. This directory lists 18 landlord insurance agents serving St Cloud.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Dan Anderson - State Farm Insurance Agent | 300 23rd Ave N | (320) 253-4656 |
| 2 | Ken Bellicot - State Farm Insurance Agent | 2904 Roosevelt Rd #2 | (320) 251-4686 |
| 3 | The Lyle Group: Allstate Insurance | 30 15th Ave S | (320) 253-4994 |
| 4 | Hess Partners Insurance Agency | 31 33rd Ave N | (320) 255-0417 |
| 5 | Michael Brower Agency, Inc. American Family Insurance | 1727 W St Germain St | (320) 252-5151 |
| 6 | Advantage 1 Insurance | 3801 3rd St N | (320) 252-6650 |
| 7 | Rock City Insurance | 14 7th Ave N | (320) 259-4003 |
| 8 | Moe Janssen Schee Agency: Allstate Insurance | 3717 3rd St N | (320) 251-1383 |
| 9 | Lamphere Insurance Group, LLC | 606 25th Ave S Ste. 204 | (320) 640-0633 |
| 10 | Farmers Insurance - Duane Osgood | 3335 W St Germain St #105 | (320) 252-6095 |
Dan Anderson - State Farm Insurance Agent serves the St Cloud, Minnesota metro area, providing landlord insurance agents work that covers rental property protection. This agency helps property owners manage risks associated with leasing residential housing. Policies here may address property damage and liability exposures common to landowners. Specific services include coverage for single-family rentals and multi-unit dwelling buildings.
Ken Bellicot - State Farm Insurance Agent in St Cloud, MN provides comprehensive landlord insurance plans tailored for rental property owners. Its services cover property damage, liability protection, and loss-of-income coverage during repairs. Standard policies include routine plan reviews and claims assistance to ensure ongoing coverage aligns with changing tenant situations. The agent handles insurance for single-family homes, apartments, retail spaces, and restaurants.
The Lyle Group: Allstate Insurance serves property managers and landlords in St Cloud, Minnesota, by offering specialized insurance policies tailored for rental properties. Their services cover a range of landlord-focused needs, including property damage protection and liability coverage for single-family homes and multi-unit buildings. To help safeguard rental investments, they also assist with evaluating policy options for vacant properties and tenant-related risks. They extend their services to cover nearby areas such as Sauk Rapids as well.
Serving St. Cloud and the surrounding central Minnesota communities, Hess Partners Insurance Agency handles landlord insurance coverage for residential and commercial rental properties. It provides policies that protect property owners from financial losses related to structural damage, liability claims, and lost rental income. Each client’s specific portfolio is reviewed to identify appropriate coverage limits and relevant endorsements. For a typical job, the agency evaluates the unique risks of each rental property and presents a tailored policy solution.
When harsh Upper Midwest winters give way to spring thaws in St Cloud, landlords often discover unexpected roof leaks or foundation cracks from freeze-thaw cycles. Michael Brower Agency, Inc. American Family Insurance addresses these property challenges by offering specialized coverage tailored for rental properties. This agency structures policies that help protect against liabilities and structural damage common to Minnesota rental housing. The process begins with a walkthrough inspection of the property to assess its current condition and identify risks before finalizing the appropriate insurance plan.
As a landlord insurance agent in St Cloud, MN, Advantage 1 Insurance offers specialized property coverage tailored for residential rental units, including policies that protect against fire, vandalism, and liability claims. It also provides general insurance services to local property owners. Clients dealing with sudden tenant damage or a burst pipe during a harsh Central Minnesota winter can turn to Advantage 1 for guidance on filing claims and adjusting their coverage swiftly.
Rock City Insurance in St Cloud, MN helps property owners secure essential liability and property coverage for their rental dwellings. They also offer specific add-ons for landlord risks, such as protection against vandalism, fire damage, and tenant-related liability claims. Their policies serve commercial sectors including multi-unit residential buildings, professional offices, storage warehouses, and food service establishments with leased spaces.
For local landlords, agent Moe Janssen Schee of the Allstate Insurance agency in St. Cloud, MN, helps clients decide between one-time policies for individual rental properties and recurring service bundles covering multiple units. Liability protection and property damage coverage are standard elements addressed during consultation. The agency designs protection to align with both residential and commercial rental exposures throughout the central Minnesota area. Service operates on a one-time, scheduled, or as-needed basis to match each landlord's specific portfolio management cycle.
Lamphere Insurance Group, LLC provides residential landlord insurance for property owners in the St Cloud area. The agency also offers commercial coverage for multi-unit buildings and rental complexes throughout central Minnesota. Their services address common landlord needs such as property damage, liability protection, and loss of rental income. Clients can expect attentive follow-up after policy discussions and reliable repeat service between regular visits to maintain ongoing coverage adjustments.
Farmer's Insurance - Duane Osgood in St Cloud, MN is known for providing landlord insurance coverage tailored to property owners in the local area. The agency assists clients in securing policies that protect rental dwellings and address liability concerns common to Minnesota landlords. Duane Osgood works with investors managing single-family homes and multi-unit properties near the Mississippi River. As an add-on specialty service, the agent can facilitate coverage for loss of rental income when a property becomes temporarily uninhabitable due to a covered event.
What Does a a Landlord Insurance Agent in St Cloud Cost?
Landlord insurance in Minnesota typically costs between 15 and 25 percent more than a standard homeowners policy. For a single family rental in St Cloud, annual premiums often range from 1,200 to 2,500 dollars. Costs depend on property value, location, coverage limits, and deductible chosen. This is general information and not insurance advice.
About landlord insurance agents in St Cloud
Landlord insurance agents in St Cloud, Minnesota help rental property owners secure coverage tailored to local risks. Minnesota law does not require landlord insurance, but mortgage lenders often do. Agents can explain how policies cover property damage, liability, and loss of rental income for St Cloud homes and duplexes.
Frequently Asked Questions
What does landlord insurance cover in Minnesota?
Landlord insurance typically covers the building structure, liability for tenant injuries, and loss of rental income if the property is uninhabitable. It does not cover a tenants personal belongings. Minnesota law does not mandate this coverage, but it is strongly recommended for property owners.
Do I need landlord insurance for a single rental property in St Cloud?
Yes, even for one rental property, landlord insurance is wise. A standard homeowners policy usually excludes rental use. If you rent out a property without proper coverage, a claim for fire or liability could be denied. Many mortgage lenders in Minnesota require landlord insurance for rental properties.
How do I choose a landlord insurance agent in St Cloud?
Look for an agent who specializes in rental property coverage and understands Minnesota specific risks like ice dam damage or frozen pipes. Ask about policy exclusions, deductibles, and whether the policy covers actual cash value or replacement cost. Compare quotes from multiple agents to find suitable terms.
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