Protection for the place that holds your life.

Your home is more than the structure. Home insurance can help protect the building, your belongings, and your financial responsibility — when the policy fits.

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Home coverage

Coverage for the house and what is inside it.

A standard homeowners policy combines several protections. The right limits depend on rebuilding costs, the value of your belongings, and the liability exposure you want to manage.

If you have a mortgage, your lender likely requires insurance and may collect payments through escrow. Even without a mortgage, homeowners usually carry coverage to protect their investment and personal liability.

We review dwelling limits, deductibles, and endorsements, and we explain where the policy stops. Flood damage, for example, is generally not included in a standard homeowners policy — that is usually a separate flood policy.

Replacement cost vs. actual cash value: replacement cost coverage generally pays to replace damaged property with new items of similar kind and quality, while actual cash value pays the depreciated value. The difference can be substantial — check which basis your policy uses.

Who this coverage is for

Homeowners with a mortgage or a fully paid-off home
People refinancing, renovating, or buying a new home
Households reviewing deductibles or rebuilding-cost limits
Renters who need personal property and liability coverage

At a glance

Dwelling, other structures, and personal property
Personal liability and medical payments
Replacement cost or actual cash value
Flood coverage reviewed separately

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Talk it through

Questions about limits, deductibles, or whether this coverage fits? Call the agency and ask. There is no obligation to buy.

(763) 766-7744

Mon–Fri: 8:00 AM – 7:00 PM
Sat: 9:00 AM – 2:00 PM

Coverage basics

What a home policy can include.

Home policies are built from several parts. We review how each one applies to your property.

Dwelling coverageHelps repair or rebuild the structure of your home after a covered loss, up to the policy limit.

Other structuresCoverage for detached garages, fences, sheds, or other structures on the property, subject to limits.

Personal propertyHelps replace or repair furniture, electronics, clothing, and other belongings, subject to limits and special sublimits.

Loss of useCan help with additional living expenses if a covered loss makes your home temporarily uninhabitable.

Personal liabilityHelps respond to claims that you caused bodily injury or property damage to someone else.

Medical paymentsCan help with medical expenses for guests injured on your property, regardless of fault, subject to policy terms.

Good to know

What home insurance generally does not cover.

Standard homeowners policies have notable exclusions. Some can be addressed with separate coverage or endorsements; others cannot.

Flood damage — generally requires a separate flood policy.
Earth movement, such as earthquake or landslide, in most standard policies.
Maintenance issues, wear and tear, or gradual deterioration.
Business property or business activity conducted in the home, unless endorsed.
High-value items such as jewelry or cash beyond stated sublimits.

Good questions to ask us

Does my dwelling limit reflect today's rebuilding costs?
How old is my roof, and how does that affect my options?
Do I need separate flood coverage?
Are my valuables covered to the limits I expect?
Can we review auto and home coverage together?

Keep exploring

Other coverage worth reviewing.

Review your home insurance options.

We will compare what is available for your situation and explain the trade-offs in plain language.

Prefer to talk? (763) 766-7744

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