Gopher State Agency

(763) 427-9440

Gopher State Agency

Phone: (763) 427-9440
Fax: (763) 780-1734
1633 County Road 10, Suite 16
Spring Lake Park, MN 55432 (MAP)
info@gopherstateagency.com
Servicio en espaņol: (763) 656-3854
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This agency is licensed only in Minnesota and Wisconsin. Company links or logos on this web site does not imply the endorsement by those companies of this web site. This is an "agency only" site. Please note that we cannot bind coverage through our web site or through email. For more information regarding bound coverage, please visit our LEGAL page, or call us.

Renters Insurance

Renters Insurance Get a quote

"I rent an apartment.
I don't need insurance- do I?"


Yes- you need Renters Insurance. If there is a fire or other catastrophe, who will replace your:


  • clothing
  • furniture
  • stereo
  • TV
  • computer
  • jewelry


Your landlord only insures the building you live in-
not YOUR personal belongings!

Personal Property

Your Renters Insurance policy can help replace your personal belongings in the event of a covered loss. Common losses are due to not only fire and theft, but also accidental and sudden discharge of a sprinkler system. Water damage can be as destructive as fire- don't get caught without the right insurance!

Loss of use

Your Renters Insurance policy can pay the additional costs of living in hotels, eating in restaurants, etc., while you are out of your home due to a covered loss.

Personal Liability coverage

This coverage gives you liability protection against claims caused by almost any unintentional act, and will help pay legal expenses to defend such a claim.

Personal Articles floater

This extends coverage for your valuable articles, such as jewelry, furs or collectibles, when their value is higher than the limits stated in your policy.

Contents Replacement Cost

This option extends the coverage on your personal property to include the ACTUAL cost of repair or replacement without deduction for the depreciation. There are, of course, policy limits, so ask us for details.