Protection From Unexpected Damages In Faribault, MN
Make Sure Your House Is Covered
In Minnesota, we experience a wide range of weather throughout the year. Our four distinct seasons mean that every 3 months the temperature and climate shift dramatically. From rain in the Spring, heat in the Summer, sweaters in the Fall and snow above your head in the Winter – we get to see it all. Just as we have to adjust our wardrobes, our houses are constantly battling the changing weather. If you’re a new homeowner looking for their first policy or a current homeowner looking to upgrade, here are some things to consider when choosing us:
Benefits of Home Insurance
While homeowner’s insurance is not mandatory by law in Minnesota, it is highly recommended for the reasons listed below. If a tree falls on your roof or a hailstorm breaks a window, you’ll be happy you are covered. Whether you’re a victim of fire, lightning, windstorm, gas leak, burglary or vandalism – there’s so much peace of mind knowing you and your family are protected from the unexpected at the place you call home. Here are some of the primary benefits we recommend in a home insurance policy:
Protect yourself from the unexpected. Every long-time homeowner knows that it’s not a question of “if” but rather “when” will some damage occur. Inclement weather, lightning, fires, storms, water, wind, hail, even burglary and vandalism. With dwelling coverage you’ll have the backup needed to pay for repairs and rebuilding.
Other Structures Coverage is related to dwelling coverage and very similar. Instead of your primary living space, it covers the other buildings on your property such as tiny homes, separated garages, fences, and anything else of value that’s worth protecting.
Personal Property Coverage
There’s nothing worse than a fire or water damage affecting your personal property. Whether it’s a family heirloom or an expensive appliance, there is both an emotional and financial toll. With home insurance, you’ll feel secure in knowing you have some recourse to replace these items if something unexpected happens.
Nobody wants to go to court, but sometimes as a homeowner you are forced to deal with legal claims against you or lawsuits if someone gets hurt at your home. Liability Protection makes sure that you are prepared for the worst case scenarios.
Additional Living Expenses (ALE)
If your home is damaged and needs extensive repairs, you will have to move into a temporary living space. Additional Living Expenses gives you peace of mind that you will be able to pay for food, toiletries, and any other unexpected living expenses.
*Please contact us to see if the above coverages apply to your specific needs as not all policies are the same.
Home Insurance FAQs
If it’s not mandatory, do I really need home insurance?
As mentioned above, you’ll be happy you have homeowner’s insurance when you need it. There is so much peace of mind that comes from knowing your largest investment is protected. Many financial lenders expect you to have home insurance, so they may choose not to work with you if you don’t. While it may not be mandatory to have home insurnace in Faribault, MN or throughout the state of Minnesota, it is very strongly recommended that you do.
What about flood insurance?
Does home insurance have any deductibles?
Yes, this is typically how a home insurance policy works. Similar to health insurance, your deductible is the amount you pay out of pocket before the insurance company starts paying. Our experts will evaluate your specific needs and situation to give you guidance on what type of deductible makes sense for you and your family.
Can I get any discounts or special pricing on home insurance?
This depends on the homeowner’s insurance coverage you select and whether you have any sort of policy bundling that lowers your price, such as combining home and auto. Some coverage options give special pricing and discounts if you show an extra level of “better safe not sorry”, such as having high-quality smoke alarms or security systems.
Home Insurance Carriers
We take pride in representing the best home insurance carriers available. Our team is committed to providing you with the best policy for your situation, and our partners prioritize your needs just like we do. Some of the home insurance carriers we partner with include: