Homeowners Insurance

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Homeowners Insurance Quotes in Owatonna, MN

Want an insurance agency that tailors home insurance to your needs, works on your behalf to find the best coverage & rates, and helps you navigate claims? You’ve found it. Learn more about our coverage options, then get a free insurance quote comparison.

 

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We aim to consistently exceed your expectations – that’s why we start by doing the comparison shopping for you. We search the market for the best possible combination of coverage, price, and service, from a multitude of A rated insurance companies.

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COVERAGE

Personal Liability

Covers injury or damage that you cause to another party.

Dwelling

Covers damage to your home and attached structures, like an attached garage.

Other Structures

Covers damage to other structures that are not attached to your home, like a detached garage or shed.

Personal Property

Covers the things you own, like clothes, furniture, electronics, appliances, and more.

Loss Of Use

Covers the cost of alternate living arrangements should your home become unusable due to a covered loss.

Scheduled Property (Jewelry, Collectibles, Etc.)

Covers special classes of property that may have limited coverage on a standard home policy. 

Common Questions

 

Do I Need Homeowners Insurance?

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.

What Is A Deductible?

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.

Why Is My Home Insured For An Amount Different Than What It Cost To Purchase?

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.

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