Home Insurance

Home Insurance in MinnesotaHome insurance provides both property and liability coverage. Personal liability protects you and your family from claims of bodily injury or property damage caused to another party. Property covered includes your home or dwelling, personal belongings, and more. There are many optional coverages that can be added to your policy, depending on your needs. Our experienced agents will help you figure out what coverage is needed and find the best rates. Contact us or request quotes to get started now.

Home Insurance Coverage

Personal Liability
Covers bodily injury and property damage that you or a resident member of your family cause to another party.
Dwelling
Covers physical damage to your home and other attached structures, like an attached garage.
Personal Property
Covers your personal belongings, like furniture, clothes, electronics, and other property you own.
Medical Payments
Covers minor medical bills for guests that are injured on your property, without regard to fault.
Other Structures
Covers physical damage to other structures on your property that are not attached to your home, like a shed.
Loss of Use
Covers the cost of alternative living arrangements if your home is unusable due to a covered loss.
Jewelry / Collectibles
Covers certain high-risk classes of property, like jewelry, art, and guns, that have limits on a standard home policy.
And More
There are a variety of additional coverage options that may be a good fit for you, depending on your needs.

FAQ

Am I required to have homeowners insurance in MN?
Insuring your home isn’t required by law in Minnesota, but it will be required by your lender if you have a mortgage. Even if you own your home, it’s usually a good idea to have some coverage.
How is my home value decided?
Each insurance company will generate a replacement cost estimate. The value generated from each company may vary and is sometimes more than you paid for the home. The important thing is that the value is enough to rebuild your house.
How do I find the best homeowners insurance rates?
To get the best rates, you need to shop around with different insurance companies. As your life changes, the company that offers you the best rates might change as well. As an independent agency, we do the comparison shopping for you.

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