MN Home Insurance
Home and/or condo insurance is a vital piece of your protection plan. Home insurance not only protects one of your largest assets, but it also protects your family from general liability claims. With the ever-changing risks in the world, it’s crucial to thoroughly review your insurance with an experienced professional. Request an insurance quote comparison or contact us to get started.
Home Insurance Coverage
Dwelling – Covers damage to your home and attached structures.
Other Structures – Covers damage to other structures on your property, detached from the home.
Personal Liability – Covers bodily injury or property damage you or a resident family member cause to another party.
Scheduled Property – Covers theft or disappearance of high-risk classes of property that have a limit of coverage on a standard policy.
Medical Payments – Covers medical expenses for injured guests, without regard to fault.
Loss of Use – Covers the cost of alternative living arrangements while your home is unlivable after a covered incident.
Water / Sewer Backup – Covers damage caused by water backed up from a sewer or drain.
And More
We Can Cover
- Single Family Dwellings
- Multi-Unit Homes
- Condos
- Renters
- Landlords
- Seasonal Homes
- New Construction
- And more
Home Insurance Discounts
- Multi-Policy Discount
- Auto Pay Discount
- Claims Free Discount
- Security Alarm Discount
- Occupation Discounts
- Paid In Full Discount
- And more
Common Questions
The average homeowners premium in Minnesota is about $2400 per year. That number is dependent on a number of things, like the value and location of your home, your loss history, and more. Some of the factors that determine your premium are:
– Home Value
– Distance from Fire Station / Fire Hydrant
– Loss History
– Age of Home
– Construction Materials
– Security & Safety Devices
– And more
Finding the right homeowners insurance is about understanding your needs and comparing options.
1. Assess your needs: Consider coverage limits for your home, other structures, and personal property. Also consider any non-standard risk that may be present, such as a home-based business or valuable collection.
2. Get multiple quotes: Every insurance company rates different and has different risk appetites. This means the insurance your neighbor has may not be the best fit for you. As an independent agency, we compare rates for you.
3. Understand any differences in coverage between different quotes. Keep in mind, the cheapest option is often not the best value. Once you’ve narrowed it down, review the service and claims experience of other customers who’ve worked with these companies.
An Agency that Truly Works for You
Get Started with a Quote Comparison