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Homeowners Insurance Quote Forms

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Homeowners Insurance Customer Service Options

Self policy service any time of the day, directly from our website. To request a policy change on your account, click any of the following policy service options below.

Homeowners Insurance Information

 Questions To Ask Your Agent

-How much will it cost to rebuild my house and replace my belongings if they are damaged or destroyed? (Ask your agent to talk you through your home's features and the things you own so you can make an informed decision about coverage.)

-Does the insurance company have a good reputation for customer service? Is it known for paying claims fairly and promptly?

-What discounts are available? (Ask about multiple policy, security system and fire resistance discounts.)

-What's the process for filing and settling a claim? (Ask who to call and what happens after you file a claim.) 




Homeowners insurance is necessary to protect yourself and your family against financial loss in the event of an accident or catastrophe. Injuries, replacements and repairs can be expensive and time-consuming, so it’s important to make sure you understand what is covered under your specific homeowners policy. 


While insurance can seem like just another bill to pay, it is extremely helpful when tragedy strikes and an independent agent can help you find a great deal.

Homeowners Insurance Coverage For MN

Homeowners comes in two main varieties: property and liability. Property covers four areas, while liability consists of two distinct areas. We’ll dig into these common coverages below.

Property 

Dwelling 

The dwelling portion of property coverage protects you from loss of your home and any structures physically attached to it, excluding any structures used for business. An attached garage, for instance, would be covered under this section.

Other Structures

Other structures refers to structures on your property not used for business which are detached from your home, such as a storage shed or detached garage.

Personal Property

Televisions, clothing, toys, furniture and other personal property are protected in this section. Your policy may not cover the full replacement cost of these items, but the terms can be adjusted based on the premium you are willing to pay. Typical exclusions from this section include the loss of a vehicle or pet.

Loss Of Use 

If your home suffers fire or smoke damage, or for some other reason is not habitable for some period of time, the loss of use portion of your policy will cover the expenses above and beyond what you would normally need to shelter yourself or your family. For instance, the cost of a hotel room or other temporary living arrangement.

Note: Homeowners is meant to cover the most common causes of loss across the United States. So conditions which are not common across the country, such as flooding from an outside source, are not covered (flooding from a burst pipe typically would be, though.) External flood insurance can be purchased separately from your homeowners.


Liability

Personal Liability 

Personal liability covers you when you or your property are responsible for bodily injury or property damage to others on your property, as well as injury or property damage caused by relatives living with you. This coverage would help pay your expenses associated with a lawsuit.

Medical Payments 

Medical payments would help cover the medical costs of an injury either caused by you or a relative living with you to someone who was invited onto your property.


An Independent Agent Gives You Choices


Referring to your insurance person as an agent is not an accident; the agent is your legal representative to the insurance company. The agent is licensed by the state, and is required to act as an advocate for you.

An independent agent must legally put your needs first, above their own or the company you choose to deal with.

Besides this very important aspect, an independent agent has the ability to quickly cross check prices and coverage levels with dozens of different insurance companies. Rates can vary widely, so an independent agent can very likely get you a better deal than you can yourself.

Language in contracts and coverage descriptions can vary widely from company to company and state to state, so having an agent on your side who understands the business is essential.


Direct Insurance Of MN Can Help

Contact Direct Insurance of MN today to set up an appointment with one of our local agents!
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Sauk Rapids, MN 56379

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