The top-rated landlord insurance agent in Apple Valley, Minnesota is Butler & Associates Insurance Agency, rated 4.9 stars across 244 reviews. Other highly rated options include Joe Etten - State Farm Insurance Agent, Dave Melle - State Farm Insurance Agent, Brett McSparron - State Farm Insurance Agent. This directory lists 17 landlord insurance agents serving Apple Valley.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Butler & Associates Insurance Agency | 14800 Galaxie Ave Suite 208 | (952) 953-3838 |
| 2 | Joe Etten - State Farm Insurance Agent | 14501 Granada Dr #101 | (952) 431-7100 |
| 3 | Dave Melle - State Farm Insurance Agent | 14831 Energy Way | (952) 997-3010 |
| 4 | Brett McSparron - State Farm Insurance Agent | 15030 Glazier Ave #100 | (952) 431-1300 |
| 5 | Farmers Insurance - Kara Petter | 13000 Pilot Knob Rd Ste 1 | (952) 432-1967 |
| 6 | Retta Insurance Agency LLC | 14870 Granada Ave #155 | (763) 465-1101 |
| 7 | Kiley and Associates LLC American Family Insurance | 7373 147th St W #186 | (952) 432-3700 |
| 8 | Mayer Insurance Agency | 15025 Garrett Ave #201 | (952) 432-5900 |
| 9 | Debra Suman American Family Insurance | 14698 Galaxie Ave | (952) 953-0900 |
| 10 | Farmers Insurance - Fink Agency | 14771 Energy Way | (651) 288-5633 |
Butler & Associates Insurance Agency serves the Apple Valley area of Dakota County, offering specialized coverage for local property owners. As a landlord insurance agent, the company provides policies that protect rental dwellings against common risks such as fire damage, liability claims from tenants, and loss of rental income. It also assists with coverage tailored for multi-family units and single-family investment properties in the region. These services include protection for building structures and personal property used in managing the units.
Joe Etten - State Farm Insurance Agent in Apple Valley, MN serves landlords, property managers, and real estate investors seeking liability and property coverage for rental dwellings. Policies typically address tenant damage, income loss from uninhabitable units, and legal expenses from evictions. This agency works with homeowners and commercial property owners who lease space to others. It also assists clients with risk assessments and policy adjustments for multi-unit buildings or single-family rentals across the broader metro, including nearby Lakeville.
Dave Melle - State Farm Insurance Agent in Apple Valley, MN, provides a full range of landlord insurance services, including property damage protection, liability coverage, and loss-of-rent policies. The agency offers ongoing policy reviews and claim support to help property owners maintain adequate coverage over time. Services for maintenance plans include guidance on risk management and updates for changing property conditions. This agency handles insurance needs for single-family homes, apartments, retail spaces, and restaurants, offering tailored policies for each commercial and residential rental type.
Located in Apple Valley, MN, Brett McSparron - State Farm Insurance Agent serves the local area and its surrounding communities. The agency handles landlord insurance policies, focusing on protecting rental properties from common risks such as property damage and liability claims. It works with residential and commercial landlords to secure appropriate coverage for their specific needs. For a typical job, the company assesses the property's unique vulnerabilities and then customizes a policy to address those exposures directly.
Homeowners and investors in Apple Valley, Minnesota can choose between a single-policy purchase for a short-term rental or an ongoing annual landlord coverage plan. Policies are designed to protect residential rental properties from common perils such as fire, wind, and liability claims arising from tenant injury. Deductible and coverage limits are tailored to each individual property and its specific risks. Service appointments for policy reviews or updates are available on either a one-time or as-needed basis.
Retta Insurance Agency LLC offers tailored coverage for residential rental properties in Apple Valley, focusing on protecting landlords from property damage and income loss. It works with property owners to craft policies that address common exposures from tenant occupancy and maintenance liabilities. Throughout the season, it helps monitor policies when winter weather increases risks of frozen pipes and ice-related claims.
As the winter freeze sets in across Apple Valley, property owners must guard against burst pipes and ice dam damage. Kiley and Associates LLC American Family Insurance offers policies covering lost rental income and liability protection for landlords in the area. Agents work with investors managing single-family homes or small multifamily units. A thorough walk-through inspection of the property’s plumbing, roof, and electrical systems is the recommended first step before any policy is bound.
Mayer Insurance Agency provides coverage options for residential and commercial property owners in Apple Valley, MN. Its specialty includes landlord insurance policies that address the unique risks of renting out properties. The agency works to structure plans that protect against common issues like property damage or liability claims. It can serve a range of commercial sectors, including offices, warehouses, and food service establishments, helping to secure their specific operational needs.
Debra Suman American Family Insurance in Apple Valley, MN provides residential landlord insurance for rental properties. Commercial landlord coverage is also offered for multi-unit buildings and businesses within the greater Twin Cities area. Each policy is written to protect property owners against tenant damage and liability claims. This local agency works closely with landlords to secure appropriate protection for their specific portfolios. After placing initial coverage, the agent remains available to update policies following tenant turnover or new acquisitions between scheduled service visits.
Farmers Insurance - Fink Agency in Apple Valley, MN is known for its focus on protecting property owners from financial loss due to tenant-related damages or liability claims. The agency provides comprehensive landlord insurance services that cover rental structures, loss of rental income, and legal defense costs. Policies are designed for owners of single-family homes, duplexes, and small apartment buildings. As an additional specialty, it offers water backup and sewage disposal coverage to protect against damage from plumbing failures.
What Does a a Landlord Insurance Agent in Apple Valley Cost?
Landlord insurance in Minnesota typically costs between 15 and 25 percent more than standard homeowners insurance. For a single-family rental in Apple Valley, annual premiums often range from 800 to 1,800 dollars depending on property value and coverage limits. Factors like the age of the property, number of units, and claims history affect the final price. This is general information and not insurance advice.
About landlord insurance agents in Apple Valley
Landlord insurance agents in Apple Valley, Minnesota help rental property owners protect their investments with policies tailored to local risks. Minnesota law does not require landlord insurance but mortgage lenders often mandate it for financed properties. Agents can guide you on coverage for property damage, liability, and loss of rental income specific to the Apple Valley area.
Frequently Asked Questions
What does landlord insurance cover in Minnesota?
Landlord insurance typically covers property damage from fire or storms, liability for tenant injuries, and loss of rental income. In Minnesota, policies may also include coverage for frozen pipes or snow damage common in the state. Each policy is different so review details with your agent.
Is landlord insurance required by law in Apple Valley?
No, Minnesota state law does not require landlord insurance. However, your mortgage lender will likely require it if you have a loan on the rental property. Some Apple Valley homeowner associations may also have insurance requirements for rental units.
How do I choose a landlord insurance agent in Apple Valley?
Look for an agent who specializes in rental property coverage and knows Minnesota insurance regulations. Ask about their experience with local risks like hail damage or liability claims. Compare quotes from multiple agents to find a policy that fits your property type and budget.
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