Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeInsuranceUSA.com. We do not endorse any agent or guarantee outcomes. Verify licensing and disciplinary status with the Department of Insurance of Minnesota before hiring.
Showing 18 landlord insurance agents in St Cloud, MN
Listings are displayed in no particular order and are not ranked by BeforeInsuranceUSA. Order does not constitute a recommendation or endorsement of any agent.
Dan Anderson - State Farm Insurance Agent
300 23rd Ave N, St Cloud, MN 56303
(320) 253-4656
insuremedan.com
Ken Bellicot - State Farm Insurance Agent
2904 Roosevelt Rd #2, St Cloud, MN 56301
(320) 251-4686
agentwhocares.com
The Lyle Group: Allstate Insurance
30 15th Ave S, St Cloud, MN 56301
(320) 253-4994
agents.allstate.com
Hess Partners Insurance Agency
31 33rd Ave N, St Cloud, MN 56303
(320) 255-0417
hesspartners.com
Moe Janssen Schee Agency: Allstate Insurance
3717 3rd St N, St Cloud, MN 56303
(320) 251-1383
agents.allstate.com
Advantage 1 Insurance
3801 3rd St N, St Cloud, MN 56303
(320) 252-6650
advantageoneins.com
Michael Brower Agency, Inc. American Family Insurance
1727 W St Germain St, St Cloud, MN 56301
(320) 252-5151
amfam.com
Rock City Insurance
14 7th Ave N, St Cloud, MN 56303
(320) 259-4003
rockcityagency.com
Lamphere Insurance Group, LLC
606 25th Ave S Ste. 204, St Cloud, MN 56301
(320) 640-0633
lamphereinsgrp.com
Farmers Insurance - Duane Osgood
3335 W St Germain St #105, St Cloud, MN 56301
(320) 252-6095
agents.farmers.com
Hess Insurance Agency LLC
2233 Roosevelt Rd #4, St Cloud, MN 56301
(320) 251-1515
hessinsuranceagency.com
Federated Insurance Co
2700 1st St N #215, St Cloud, MN 56303
(320) 314-3964
reps.federatedinsurance.com
Moe Agency Inc
536 25th Ave N, St Cloud, MN 56303
(320) 253-7644
moeagencyinc.net
Gasperlin Insurance Agency
2789 Clearwater Rd #C, St Cloud, MN 56301
(320) 252-6800
gasperlinagency.com
John Herman Insurance
606 25th Ave S #111, St Cloud, MN 56301
(320) 251-1997
johnhermanins.wixsite.com
Mark Helminick
1500 Oak Grove Rd SW #109, St Cloud, MN 56301
(320) 230-9147
insurancebrokersmn.com
The Bauer Group - Horace Mann
4180 Thielman Ln #104, St Cloud, MN 56301
(320) 251-9103
customer.horacemann.com
Gallagher Insurance, Risk Management & Consulting
916 W St Germain St # 100, St Cloud, MN 56301
(320) 251-3751
locations.ajg.com
What Does 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.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not insurance advice — consult directly with an agent for fee specifics.
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.