Homeowners Insurance
PROTECT YOUR HOME
PROTECT YOUR PEACE OF MIND.
Reliable homeowners insurance for Minnesota families. We help protect your home, your belongings, and your financial future with coverage you can count on.
- Dwelling Coverage
- Personal Property
- Liability Protection
- Loss of Use
- Medical Payments
- Optional Water Backup
GET A QUICK QUOTE
it only takes a minute
Your information is secure and will never be shared
PROTECTING YOUR HOME – LOW-COST MINNESOTA HOMEOWNERS INSURANCE RATES – WHAT IS HOME OWNERS INSURANCE?
Find cheap Minnesota Homeowners Insurance Rates here. Homeowners insurance in Minnesota can mean a few different things. Insurance for your regular stick house (HO-3 or HO-5), a condo (HO-6), a townhome (HO-6), or renters’ insurance (HO-4). The primary coverage is for fire. Fire damage the structure, personal property, or both. Policies are bundled with many other coverages though. Things like lightning, windstorm, hail, smoke, vehicle, aircraft, civil commotion, riot, falling objects, volcanic eruption, explosion, etc. There is “All Risk” and “Named Peril” coverage. All Risk means everything is covered but a list of exclusions. Named Peril is a list covered items and everything else is excluded. Common exclusions are war, flood, nuclear hazard, earth movement, ordinance and law, neglect, and so on.
These policies always include personal comprehensive liability insurance. This is commonly referred to as personal liability insurance. Limits are generally offered at $100,000, $300,000 & $500,000. With the cost different being maybe $25.00 per year, between $100,000 and $500,000, so $500,000 is recommended. This liability provides financial protection for not only you but your family. Protection if you or a covered resident of your household is sued for bodily injury or property damage.
People who buy Minnesota homeowners insurance often buy car insurance, boat insurance, motorcycle insurance, life insurance too. Our independent insurance agency also offers general liability insurance, commercial auto insurance, contractors insurance, workers compensation insurance, restaurant insurance, business owners policy, tow truck insurance, liquor liability insurance, and bonds.
WHAT IS THE BEST HOMEOWNERS INSURANCE POLICY FOR ME?
It depends on the type of home you live in. Look at the different types of home insurance available in Minnesota :
* Bodily Injury Liability
* Property Damage Liability
* Personal Injury Protection
WHAT IS AN INSURANCE DEDUCTIBLE?
An insurance deductible is an amount you pay before the insurance company pays. Common deductibles on homeowner insurance policy are $500, $1,000 and $2,500. On larger homes, a million or more might see $5,000 and $10,000.
Many companies have not introduced a percentage deductible for wind and hail. Common percentages are 1% and 2%. This means that percentage of coverage A, the building amount. So, if you had a $300,000 policy limit on coverage A, you would have a $3,000 deductible at 1%. Insurance companies introduced this percentage deductible in response to all the wind and hail claims over the past 20 years. Rates have increased on homeowner’s insurance policies in Minnesota by 300-400% in those 20 years as well. American Family, State Farm, and MET, among many, were sued in 1998 as a result of siding matching. That is another thing to watch out for, siding matching limitations.
IS MY JEWELRY COVERED UNDER MY HOMEOWNERS INSURANCE POLICY?
Jewelry, guns, furs, and collections are limited on Minnesota homeowner policies. The limitation is theft. High theft items are limit to $1,000 – $5,000 depending on the policy you have. The good news is you can buy back special coverage for these things; we refer to it as scheduling.
You will provide an appraisal giving a complete description and a value. The insurance company will then charge you an additional premium each year for this special or scheduled coverage. It normally does not have a deductible. It also may cover mysterious disappearance.
A good example of mysterious disappearance is, you were out shoveling snow and the diamond fell out of your wedding ring. Under a normal HO-3 homeowners insurance policy, this is not normally covered. But if it is scheduled or listed, it most likely is.
WE CAN PROTECT YOUR MINNESOTA HOME – LOW-COST MINNESOTA INSURANCE RATES
We get excited when we save people money on great coverage. Shopping multiple insurance companies help you save both time and money. We believe in multiple quotes for maximum savings. Bundle your home insurance coverage with your car insurance and you have a 90% chance of saving even more.
When you’re ready to buy, just say “sign me up”! We will rush you the homeowner’s insurance papers to sign electronically on your smart cell phone or computer. Click, click, click, they come back to us automatically with no printing, faxing, or scanning required. It’s super-duper easy and everyone loves it.
Your payment is handled by phone the old fashion way or we can bill your mortgage company. If you are closing on a new house, we will need your lender’s name and phone number. We will take care of the rest. Affordable, comprehensive, and fast, that’s how we roll.
Your down payment is handled the old-fashioned way, by phone. Some things are just better like that, secure. Our insurance companies have flexible payment plans and low down payments.
Relax now, knowing that you have great coverage at a very competitive rate. Whether your home is new, or you have lived there for years, it is protected.
PROTECT YOUR HOUSE NOW!
Our independent insurance agency, Insuring Minnesota, prides ourselves on giving you the best rate the first time. This have earned us many long-term clients and friends. Minnesotans trust us to deliver, and we do. Shopping multiple companies to make sure you have the best rate and coverage. You need a guide; we will help you. Low cost Minnesota homeowners insurance rates here!
With years of experience under our belts, you will benefit from our services. You can call us experts because we work with homeowner’s insurance every single day. What do you do best?
Your home is most likely your most valuable asset. Let us protect you and all your hard work. We are honest, knowledgeable, professional, and reliable, not to mention fun!
It’s time. It’s time to get your Minnesota Homeowners Insurance Rates. Your low-cost Minnesota homeowners insurance quote is just a click away!