St Paul, MN Renters Insurance

St. Paul renters insurance

It's very important to maintain renters insurance if you're renting a house or apartment. Renters insurance covers your rental unit — and the personal property within it — in a variety of circumstancees, including wind, theft, fire, or vandalism. Given the relatively common frequency of these incidents, the affordability of rental coverage, and the potentially high cost of replacing your belongings, a renters insurance policy is a solid investment.

The cost of your renters insurance will rely on a number of contributing factors, including your building's age, the material from which it’s made, its geographic location, and the pricing guidelines of your insurance company. In areas prone to hail, fire, lightning, or damaging wind, renters insurance could be more expensive to account for the additional risk.

The average yearly renters insurance rate in St. Paul is $176.

Finding affordable renters insurance in St. Paul starts with comparing policies. Review our list of average St. Paul renters insurance premiums to begin your search with as much background info as possible. Remember: rates will vary based on your coverage limits and other factors.

St. Paul renters insurance:

  1. Rates by company
  2. Rates by coverage level
  3. Car and renters insurance discounts

Renters insurance in St. Paul by insurance company

Insurance premiums in St. Paul vary based on the insurance company. For instance, American Family offers the most affordable renters insurance in St. Paul, at just $111 per year. This compares favorably to the city's average cost of $176, providing a $65 price cut.

Begin your search for a renters insurance policy by reviewing the cheapest companies in St. Paul.

CompanyAverage Annual Rate in St. Paul
American Family$111
State Farm$114

St. Paul renters insurance premiums by coverage level

Your renters insurance rates will vary depending on the amount of coverage you purchase. Two of the most common levels of renters insurance coverage are $25,000 and $50,000 property coverage. In St. Paul, the annual cost difference between these tiers is about $60. If you can afford the up-front expense, it's an option worth considering.

Coverage LevelAverage Annual Rate in St. Paul
$25K Property$146
$50K Property$206

Tip: bundle your renters and auto insurance policies

If you’re looking to save, consider carrying your renters and auto policies under the same insurance company. Bundling renters and car insurance in St. Paul can lead to substantial savings. In fact, bundling policies in St. Paul leads to average auto insurance savings of $211. The auto insurance company offering the most affordable rate with a renters bundle is American Family, followed by AAA and State Farm.

Annual Bundle SavingsBundle Savings %

Need renters insurance? Talk to an expert today.

Kristine Lee LinkedIn

Kristine is a licensed insurance agent and one of The Zebra’s in-house content strategists. With a background in copywriting, she covers the ins and outs of the home and car insurance industries. She has contributed to numerous publications focused on the nuances of insurance, including Automoblog,, and