Minnesota DP-3 landlord checks
- Tenant-occupied, vacant, seasonal, and short-term rental uses should be separated.
- Vandalism, theft, and tenant damage wording deserve a direct question.
- The landlord or entity name should be consistent across quote documents.
- Wind or hail wording in Minnesota can affect the deductible, roof settlement, and inspection follow-up.
- Freeze exposure in Minnesota makes winterization, plumbing updates, and vacancy wording worth reviewing.
DP-3 review questions
| Question | Why it matters |
|---|---|
| Is the property occupied now? | A vacant or renovation property may not qualify for the same quote. |
| What rental income is being protected? | Fair rental value should be visible, not assumed. |
| Are detached structures used by tenants? | Garages, sheds, and shared areas can change the exposure. |
| What inspection evidence is ready? | Photos and maintenance records can reduce back-and-forth. |
Practical note
A Minnesota landlord quote should be reviewed beside the lease status, ownership name, and recent property photos.