Homeowners Insurance Quote Forms
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Homeowners Insurance Information
Home Insurance in Golden Valley & Plymouth, MN
Insurance for Homeowners Throughout Minnesota
A home is a safe space for you and your family to grow. One of your responsibilities as a homeowner is to keep your home safe in case of a storm or an accident. Not all accidents can be avoided, however, which is why it’s crucial to have a reliable home insurance policy.
The agents at Harlan Rossmann Agency understand that every home and family are different. We will work with you to evaluate your risks and compare quotes to insure your home with the policy it deserves.
What Does Home Insurance Cover?
Minnesota home insurance is designed to protect your home, belongings and family in case of a variety of accidents. A basic home insurance policy covers four main areas:
Personal general liability under home insurance covers accidents of bodily injury and property damage someone else may suffer. For example, if a visitor trips and falls in your home, liability insurance can help pay for their medical bills. It can also protect you in case of a lawsuit regarding these types of accidents. Liability can also extend to cover damage and injuries caused by your children or pets. If your pet bites someone, or if your child accidentally breaks someone’s window with a baseball, liability insurance can help pay for the related expenses.
Dwelling coverage provides compensation for damages to the physical home and its attached structures. It covers against a list of perils, including:
- Falling Objects
Personal belongings coverage provides compensation if your personal items are lost or damaged due to many of the same perils as covered by dwelling insurance. There are also optional policy floaters available to cover your expensive items such as jewelry, furs, art and electronics.
Additional Living Expenses
Additional living expense coverage helps cover costs related to temporarily moving if your home is rendered uninhabitable by a disaster. If a hurricane sweeps in and destroys your home, for example, this coverage can help with the cost of food, temporary shelter and more.
Protect Your Home
Protect what matters most before an accident occurs. Find a home insurance policy today through Harlan Rossman Agency. Give us a call at (763) 746-2242 or fill out an online quote form to get started.
Common Homeowners Insurance Questions
When Do I Need Home Insurance?
Ideally, you should have a home insurance policy in place by the time you’re ready to sign the dotted line. Waiting too long to get home insurance after you’ve purchased the home can leave you open to dangers and accidents before you’ve even moved in.
How Often are Home Insurance Premiums Paid?
Most home insurance policies are paid through monthly premiums. Some insurers may allow you to pay annually for your home insurance, however.
How Much Does Home Insurance Cost?
Home insurance premiums depend on your location, claims history, credit score, coverage limits and more. Fill out an online quote form to discover how much you can save on home insurance through Harlan Rossman Agency.
Other Insurance Products We Provide Coverage For: