Personal Insurance
PROTECT WHAT MATTERS.
PROTECT YOUR FUTURE.
Personal insurance gives you peace of mind by protecting what matters most – your family, your home, your vehicle, and your future.
- Auto Insurance
- Home Insurance
- Life Insurance
- Motorcycle Insurance
- Boat Insurance
- Umbrella Coverage
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What is personal insurance?
When we think of personal insurance, you should be thinking of car, homeowners, motorcycle, boat, life insurance, and more. Basically, it’s insurance for your family and individuals. Let’s run through a few definitions
Boat Insurance in Minnesota – Boat Insurance protects you from damage and claims relating to your boat. Your contract with the insurance company can provide for liability, the boat itself, the motor, and trailer.
Car Insurance in Minnesota – Car insurance protects you from claims and losses related to your car. Bodily injury, property damage, personal injury protection, uninsured and underinsured are required under Minnesota law. Physical damages coverage like comprehensive and collision are optional.
Homeowners Insurance in Minnesota – Homeowners insurance can cover a house, personal property, other structures, loss of use, liability, and medical payments. Deductibles for $500, 1000 & $2,500 are common.
Life Insurance in Minnesota – Life insurance is a contract with an insurance company. A premium is paid to provide payment of the insured’s death. Popular types are term life, whole life, and universal life.
Motorcycle Insurance in Minnesota – Motorcycle insurance is a contract with an insurance company giving protection for motorcycle ownership losses. Coverage for insured’s medical, uninsured motorist and the underinsured motorist is not required in Minnesota.
Minimum requirements for Minnesota car insurance
It is illegal to drive in Minnesota without auto insurance. The coverage must meet the minimum levels set by the state of Minnesota:
- Bodily injury liability: $30,0000 for bodily injury or death of anyone person and $60,000 for all persons in any one auto accident.
- Property damage liability: $10,000 for anyone auto accident.
- Personal injury protection or PIP – $20,000 medical and $20,000 wage loss/disability.
- Uninsured Motorist Coverage – $25,000/$50,000
- Underinsured Motorists Coverage – $25,000/$50,000
Who has the best cheapest car insurance in Minnesota?
Progressive, State Farm, Travelers, AAA? It really depends on numerous factors, and no one company wins the battle of the cheapest car insurance in Minnesota. The type of car, your age, where you live, your driving record, and your credit are just a few things used to determine your rates. So, when your friend says, hey, AAA Insurance has the best rates in town. It’s possible, but there are so many factors. What is good for one consumer might not be the best for the next. Click this car insurance link if you would like a quote and complete review with 25 top-rated Minnesota insurance companies.
What is the best homeowners insurance for me?
Renters Insurance, HO-4 – Renters insurance is for the renters. You are just looking to insure your personal property. The policy also comes with personal comprehensive liability coverage and medical payments to others.
Townhome or Condo Insurance, HO-6 – Townhome or condo insurance if you own your property, but you have limited responsibility for the structure or building. Again, insuring your personal property and liability. You may need loss assessment and water sewer back up coverage.
Home Insurance, HO-3 or HO-5 – Insurance for the structure, other structures, personal property, loss of use, personal liability, and medical payments. A replacement cost settlement is desired. Common deductibles are $1,000 and $2,500. Watch out for the percentage deductible. 1% & 2% deductibles for wind and hail are normally not in the consumers’ best interests.
Get a Minnesota homeowners insurance comparison
Shopping for MN homeowner insurance can be tricky. Going to some website, making your own selections for coverage might be a mistake. We recommend using an agent that represents multiple insurance companies. As agents, we work with home insurance every day, year in, and year out. Why not have a professional help you?
Shopping for a homeowners insurance quote and want the best rate?
These are some of the other types of personal Insurance
- ATV Insurance
- Burial Insurance
- Disability Insurance
- Flood Insurance
- Health Insurance
- Long-Term Care Insurance
- RV Insurance
- Wedding Insurance