Five minutes to covered. No phone trees, no 40-page PDFs, no "your call is important to us." Just clear coverage from people who answer.
We rebuilt the agency around the two minutes you actually interact with insurance — quoting and claims.
Text updates at every step. No black hole, no "we'll get back to you."
Quote, sign, done — before your coffee cools.
Home + auto quoted across 9 carriers, automatically.
Call us and a licensed Minnesotan picks up by the third ring. We translate every policy into plain English — in writing.
4.9 across Google & Trustpilot.
Your landlord requires it. We make it painless.
Slide, don't call. Your ballpark updates instantly — and nothing gets emailed to you unless you ask.
Illustrative ballpark, not a bindable quote. Final pricing depends on underwriting.
Replacement-cost coverage that keeps up with Twin Cities build prices.
from $89/moYour stuff, your liability, your landlord's checkbox — done in minutes.
from $12/moHO6 walls-in coverage that actually matches your association's master policy.
from $26/moWinter-proof coverage with roadside that shows up at −20°F.
from $68/moAn extra $1M of "just in case" for about a dollar a day.
from $19/moBOP policies for makers, e-commerce, and studios — quoted online.
from $42/mo640+ verified reviews
Google · Trustpilot
"Quoted renters insurance during a work call. Signed before the meeting ended. My landlord thought I'd had it for weeks."
"Hail took out our roof in June. Claim filed from the app Tuesday, adjuster Wednesday, check the next Friday. I've had slower pizza."
"They found the exact same coverage I had, $61/month cheaper, and then explained — in writing — what my old policy didn't cover. Nobody's ever done that."
"We started Northlight because insurance kept making our friends feel dumb. It's not you. It's the industry. We fixed our corner of it."
Lena Okafor · Founder & Principal Agent — licensed in MN/WI, 640 five-star reviews and personally answers the phone on Tuesdays.
Leave your name and what you'd like covered. A licensed agent (a real one, in Minneapolis) gets back within the hour, 8–6 weekdays.
Expect a call or note within the hour (8–6, Mon–Fri). It'll be a human named Lena, Sam, or Ty.