Homeowners Policies

Protect Your Minnesota Home Today

As your home is exposed to the winter elements in Minnesota, you need to have the proper protection in place. Heavy snow and strong winds are run-of-the-mill conditions for several months of the year. If your home is damaged from an ice storm and you don’t have insurance, the consequences could be devastating. But, it’s just about the weather. Different coverages are available to protect you from personal injury lawsuits and serious medical expenses.

The Big Picture

A homeowners insurance policy is meant to protect homeowners against certain hazards or “perils.” Risk is another term used here.  

Whether you purchase your policy online or through a local agent like us, the usual home insurance policy is divided into 2 parts: property protection and liability protection.

Property Protection

Property protection is typically broken down into these additional sections:

  • Dwelling
  • Other structures
  • Personal property
  • Loss of use

Liability Protection

Your policy’s liability coverage section is broken down into (1) personal liability and (2) medical payments. 

The agents at All Things Insurance will assess your home insurance needs and give you advice on how to best protect what matters to you: your house and your assets!

Types of Coverage

Your location can change what your insurance covers. However, here’s what a home insurance policy usually covers in Minnesota. 

Personal Property Coverage

This coverage protects the items inside your home, such as furniture. If it’s stolen or damaged outside of the house, you still get protection.

Dwelling Coverage

This protects the physical structure of your home, like the roof and walls.

Liability Protection

Liability defends and protects you if someone sues you after getting injured on your property or after you damage theirs.

Guest Medical Protection

This coverage pays medical costs for a person who gets injured on your property.

Other Structures

Protects the physical structure of what’s separate from your home — like a detached garage.

Additonal Living Expenses Protection

This covers increased costs if your house is unlivable after a covered loss.

Note: All homeowners policies have different covered risks and exclusions. Check with your insurance agent to review all coverages and the basis of claims settlement. 

We Also Offer

Flood Insurance

Flood insurance covers many damages caused by a flood both inside and outside your home. This includes the foundation and items like appliances, windows, carpet, blinds, and garages.

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What This Means for You

You may not have the option to buy homeowners insurance in Minnesota, but you can choose what type of coverage you want. There’s no one-size-fits-all plan for coverage. We’ll guide you through the options until you feel confident about the decision you’re making.

We’ll check for all available discounts that you may qualify for. The bottom line is that you can have peace of mind because of your coverage options.

Other Types of Homeowners Policies

Variations of these homeowner policies are available for other dwellings, including:

  • Renter’s or tenant’s policy
  • Mobile home policy
  • Condominium owner’s policy
  • Actual cash value coverage

Why You Should Work with Us

We often see too many people overpay to be underinsured. That’s why you should work with a local agent who understands the current market. A broker will help you get the right protection for your home at the best rate possible. That’s the big difference you get when you work with us: great advice paired with great service.

We also know how to bundle your home and auto policies to make sure you’re maximizing price and coverage. So, stop overpaying and start saving. All you need to do is reach out to us. We’ll take it from there!

Compare Multiple Quotes at Once

At All Things Insurance, we make it easy. We’ve helped many homeowners compare quotes from the top insurance companies in Minnesota. We serve all of the North Star State, including communities like Minneapolis, Saint Paul, Rochester, Bloomington, Duluth, Victoria, North Oaks, Minnetrista, Medina, Waconia, and Chanhassen.