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Minnesota Homeowners Insurance

Since 1998, Van Curler Insurance Group has been helping Minnesota residents find quality homeowners insurance and reasonable premiums. We’re an independent agency, so we can retrieve quotes from over a dozen highly rated insurance companies, and if you need to make a change in the future, you can switch insurance companies but keep us as your agent. If you have any questions, contact us.

Homeowners insurance - front of a home viewed with a bush in the foreground.

Homeowners Insurance Coverage

  • Personal liability Covers property damage and injury you or a resident family member cause to someone else.
  • Dwelling Covers damage to your home and attached structures, such as a deck or garage.
  • Other structures Covers damage to structures on your property that aren’t attached to the home, such as a shed.
  • Personal property Covers personal belongings such as furniture, electronics, clothing, and more.
  • Loss of use Covers the cost of alternative living arrangements if your home is unlivable due to a covered incident.
  • Medical payments Covers minor medical expenses for guests that are injured on your property, without regard to fault.
  • Water backup Covers water damage that results from a backed up sewer or drain.

Continue your research with home insurance basics provided by the MN Commerce Department.

Common Home Insurance Questions

Does homeowners insurance cover flooding?

No. Flooding is excluded on standard home policies. Coverage for flooding is available with a flood insurance policy. There may be coverage for certain water losses, like a backed up drain or a broken pipe.

How do I insure jewelry?

Jewelry and other items at high risk for theft have reduced coverage limits for theft and disappearance on standard home policies. You can “schedule” your jewelry items, meaning you specifically list it on the policy along with a description and valuation. If scheduled, the lost or stolen item will be covered for the agreed upon value. There is an additional cost to scheduling jewelry and other special property.

What’s the difference between replacement cost and actual cash value?

Replacement cost means your stolen or destroyed property is valued at the amount it would take to replace it with a new version. So, if your sofa is destroyed, you’re paid the amount it costs to purchase a new sofa of the same or similar model. Actual cash value means your property is valued including depreciation. In the previous scenario, you may only receive 50% of the cost to purchase a new sofa, since your destroyed sofa already had a few years of use. It’s important to understand how your policy values your personal property so you aren’t surprised when you need to make a claim.

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