Minnesota Renters Insurance Requirements Explained

Renters in Minnesota often wonder if they’re legally required to get renters insurance before moving in. Whether you’re signing your first lease or renewing, understanding renters insurance in Minnesota can help you make informed decisions and avoid unwanted surprises. This guide breaks down what the law says, what landlords can require, and how insurance may protect you as a tenant.

Are New Tenants Legally Required to Have Renters Insurance in Minnesota?

There’s no Minnesota state law that requires tenants to buy renters insurance before moving in. However, landlords are allowed to require renters insurance as a condition of the lease. If so, this must be clearly stated in your written lease agreement.

• If your landlord requires insurance, they must add this requirement to your lease.
• Landlords cannot make you buy insurance after you’ve already signed a lease (unless you sign an amended agreement).
• You get to choose your insurance provider and coverage level, as long as you meet your landlord’s minimum requirements.

Landlords commonly request ‘liability coverage’—usually between $100,000–$300,000—to protect against damage to the property caused by tenants or their guests.

What Does Renters Insurance Cover?

Renters insurance protects your personal belongings in case of theft, fire, or water damage not caused by your own negligence. It may also cover liability if someone is injured in your rental, plus temporary living costs if your unit becomes uninhabitable. Your landlord’s property insurance does not protect your belongings.

• Personal Property: Covers furniture, electronics, clothing, etc.
• Liability: Covers legal responsibility for injury or property damage
• Loss of Use: Helps with hotel bills or meals if you must move out during repairs

Compare different insurers and coverage options to fit your needs and budget. Typical policies cost $10–$20 a month.

How Landlords Request Proof of Renters Insurance

If your landlord requires renters insurance, they might ask for:

• A copy of your policy's declarations page (shows coverage and policyholder)
• Proof of payment or binding receipt for new tenants
• Contact information for your insurance provider

Your landlord may also want to be listed as an “interested party” on your policy, so they’re notified if the policy lapses or is canceled. This does not give them coverage, but only notice of changes to your policy.

Relevant Forms for Renters Insurance in Minnesota

• Move-In Checklist (Minnesota)
  Minnesota Attorney General Move-In/Move-Out Checklist
  When to use: At the start or end of a tenancy, to document the unit's condition and note if a renters insurance requirement exists in your move-in paperwork. Example: You complete this checklist with your landlord, and attach proof of insurance as required by your lease.

What If You Can’t Get Renters Insurance?

If you can’t obtain renters insurance due to cost, high risk, or coverage issues, talk to your landlord. They may allow a higher security deposit or waive the requirement in special cases, but they are not legally required to do so. Always get any exceptions in writing.

Who Oversees Renters Rights in Minnesota?

The main authority for residential tenancies in Minnesota is the local District Court system, which handles disputes between landlords and tenants. For information, guides, and housing forms, visit the Minnesota Judicial Branch Housing Court.

Statewide rental law is governed by Minnesota Statutes, Chapter 504B: Landlord and Tenant, which outlines all rights and responsibilities for renters.

FAQ: Minnesota Renters Insurance Requirements

1. Can my landlord require renters insurance in Minnesota?
   Yes, landlords can require renters insurance as part of your lease, but only if it’s included when you sign or renew your lease.
2. What happens if I don’t get renters insurance when it’s required?
   Your landlord may consider it a lease violation. This can result in a warning or even termination of your lease if you do not comply.
3. Does renters insurance cover my landlord’s property?
   No, renters insurance only covers your personal belongings and liability. The landlord must insure their own building and property.
4. Can I choose my own insurance provider?
   Yes, you can choose any insurer, as long as your policy meets the minimum requirements specified in your lease.
5. Is there a government program that provides renters insurance for free?
   No, Minnesota does not offer government-sponsored renters insurance, but you may qualify for financial assistance programs for other housing costs.

Conclusion: Key Takeaways for Minnesota Renters

• Minnesota law does not require renters insurance, but your landlord can make it a lease condition.
• Read your lease carefully—look for any insurance requirements before signing.
• Make sure you provide proof of insurance if required, and keep your policy active to avoid lease disputes.^1,2

Understanding your rights around renters insurance helps you avoid unexpected costs and protects your belongings throughout your tenancy.

Need Help? Resources for Renters

• Minnesota Attorney General Landlords and Tenants Handbook
• Minnesota Judicial Branch Housing Court (official tribunal for disputes)
• HousingLink: Resource hub for renters in Minnesota
• Call 2-1-1 or visit United Way 211 Minnesota for local assistance

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1. Minnesota Statutes, Chapter 504B: Landlord and Tenant
2. Minnesota Attorney General: Landlords and Tenants Rights
3. Minnesota Judicial Branch: Housing Court

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