Want an insurance agency that tailors home insurance to your needs, works on your behalf to find great coverage & rates, and helps you navigate claims? You’ve found it. Learn more about our coverage options, then get a free insurance quote comparison.
We aim to consistently exceed your expectations – that’s why we start by doing the comparison shopping for you. We search the market for a great combination of coverage, price, and service, from a multitude of A rated insurance companies.
Covers injury or damage that you cause to another party.
Covers damage to your home and attached structures, like an attached garage.
Covers damage to other structures that are not attached to your home, like a detached garage or shed.
Covers the things you own, like clothes, furniture, electronics, appliances, and more.
Covers the cost of alternate living arrangements should your home become unusable due to a covered loss.
Covers special classes of property that may have limited coverage on a standard home policy.
Homeowners insurance is not required by law but will be required by your lender if you have a mortgage or home equity line of credit. Even if you own your home, you’ll probably want coverage for catastrophic events like fire or tornado damage.
Your deductible is the amount of damage that you cover before your insurance takes effect. A $1,000 deductible means that you pay the first $1,000 on a claim. If a hail storm destroys your roof and the damage comes to a total of $10,000, you’d receive $9,000 ($10k – $1k). Deductibles help keep the cost of insurance down by reducing the amount of small claims that are submitted.
If your home is destroyed, the insurance company will need to pay to rebuild the home. For that reason, the amount that your home is insured for is based on a replacement cost estimate, not the sales price. These numbers can be different based on the fluctuating cost of building materials, labor, and other factors.
Phone
(507) 413-5708
Address
310 S Oak Ave
Owatonna, MN 55060
Hours
9am – 5pm
Mon – Fri
Sat by appointment
Brown Insurance Group is licensed to write in the states of Minnesota and Wisconsin. Servicing the Owatonna MN region, including Faribault MN, Northfield MN, Waseca MN, New Richland MN, Ellendale MN, Albert Lea MN, Austin MN, Blooming Prairie MN, Claremont MN, and more.