Home Insurance
Customized home insurance quotes
Home insurance is required by your lender if you have a mortgage on your home. Even if you own your home outright, it’s a good idea to have coverage for catastrophic losses. In addition to property damage, your policy will provide personal liability coverage, which protects your family from a variety of lawsuits. We’ll help you customize your policy with quality coverage options and compare top insurance companies to find great rates.
Home Insurance Coverage
- Personal Liability Covers property damage or bodily injury you or a resident family member cause to another party.
- Dwelling Covers physical damage to your home and attached structures.
- Other Structures Covers physical damage to other structures on your property that aren’t attached to your home.
- Personal Property Covers physical damage or theft to your furniture, electronics, and other property kept within your home.
- Medical Payments Covers medical expenses for guests that are injured at your home, without regard to fault.
- Loss of Use Covers alternative living arrangements if your home is made unlivable due to a covered incident.
- JewelryCovers lost or stolen jewelry (and other precious property) up to the scheduled limit.
- Water Backup Covers damage that results from a backed up sewer or drain.
- And More There are even more coverage options that might be valuable to you, depending on your needs.
Homeowners Insurance Agency in Plymouth MN
We’re a local, independent insurance agency located in Plymouth, MN. Working with a local agent means you’ll benefit from:
- Local expertise
- In-person service
- Claims assistance
- Keeping more of your money in the community
Properties We Can Cover
- Single Family Homes
- Condos
- Duplex / Multi-Unit Homes
- Rental Properties
- Seasonal Homes
- VRBO / Airbnb
- And More
Discounts
- Pay in full
- Multi policy
- EFT payments
- Claims free
- Safety devices
- New roof
- New home
- Education
- Affinity group
- And more
Homeowners Insurance FAQ
Home insurance protects you financially from losses to your home and belongings caused by a variety of common risks, such as fire, wind, hail, vandalism, theft, and more. In addition, it packages personal liability coverage which covers injury or damage to another party that you’re responsible for.
Your deductible is the amount you pay before the insurance company starts covering a loss. If you experience a $10,000 loss and you have a $1,000 deductible, you’d receive $9,000 from the insurance company. Deductibles help lower costs by eliminating small claims and help keep the policyholder and the company aligned on loss prevention.
These terms describe how property is valued at the time of a claim. Replacement cost values property at the amount it costs to replace it with new products. Actual cash value calculates the value by depreciating the property based on wear over time. This is an important distinction that can add up to thousands of dollars on a medium to large claim.
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