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Home Insurance in Minnesota
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Homeowners insurance protects more than just your home. Your home policy is designed to provide coverage should your house burn down while you're on vacation or be broken into when you are grabbing a bite at the Cuzzy's Brickhouse in Chaska. It also gives you liability coverage and provides insurance for your personal belongings. Because homeowners insurance includes a number of coverage options you will want to talk to one of our Chaska insurance agents to determine what levels of coverage are appropriate for you and your family.
The liability portion of a homeowners policy is meant to provide protection if someone is injured on your property. For instance, if your mail carrier trips over your dog's leash, you may be held responsible for any injuries sustained. If the incident met your policy's terms, your homeowners liability would cover any associated medical costs.
Most homeowners insurance policies come with a standard level of liability insurance, but you can purchase additional protection as you see fit. If you aren't sure how much coverage you need, one of our agents can walk you through the specifics and help you make an informed decision.
Personal Property Coverage
Homeowners policies also provide protection for your personal belongings. A policy may extend coverage for the replacement value of your belongings, or it might limit coverage to their depreciated value. Furthermore, a policy might exclude or limit specific items, such as jewelry or fine arts. As a policyholder you also have the option of scheduling items at a specific dollar amount. This is something you definitely want to consider when making your insurance decision. An independent agent at our office can help you find a policy that will fully cover all of your personal property regardless of the value.
Work with an Independent Agency
Purchasing home insurance can be intimidating at times, especially for first time home buyers. For help selecting a homeowners insurance policy that will provide adequate coverage for you and your family, contact the Martinson Agency today. We are a family owned business that is focused on our customer's needs. Our independent, Chaska agency can compare quotes from multiple carriers including Safeco, Selective, Travelers and Western National all at the same time!