Your home is the center of your daily life, and likely your most valuable asset. When your home is damaged or destroyed, you need your claim settled by an insurance company that understands this simple fact. 明尼苏达保险集团有限公司. can help you find the home insurance in Minnesota that will best meet your needs and provide the most valuable combination of tailored coverage, 优质的澳门体育赌博十大平台和公平的价格.
Depending on where you live – a house, 公寓, or condominium – the right home insurance policy can provide you peace of mind as well as the money you need to repair or replace your home and/or belongings.
澳门体育赌博十大平台 保险的选择 in Minnesota
不管你是自己的还是租的, insuring the place you call home can help protect you financially if you suffer a loss due to fire, 盗窃, 破坏公物, 或其他涉及的事件. It will also cover you in the event someone is injured while on your property and wins a legal judgment against you.
澳门体育赌博十大平台owner insurance policies differ by which losses are covered, 你选择了哪些保险项目, and what type of residence you own. You choose which policy is best for you, whether it’s a comprehensive policy that cover losses such as fire, 冰雹, 烟, 下降的对象, 破坏公物 and 盗窃 of personal property, or whether it’s a policy that covers only specified losses.
Whether you’re a home or condo owner, 一个房东, 或者一个房东, we will work with you to find a home insurance policy in Wayzata or anywhere in Minnesota that fits your needs. We specialize in making it easy to choose the insurance coverage that gives you the best value for the best price.
Your home insurance policy is most often made up of the specific options you choose. How much you’ll pay for your policy depends on:
- 选择你选择 – Often home owner insurance options are priced individually, so how much you’ll pay for your policy depends on what coverages you buy.
- 你想付多少 – Higher deductibles usually lower your premium price by shifting p艺术 of the loss payment to you. 例如, 如果你有500美元的免赔额, you would be responsible for paying the first $500 of the covered loss.
- 你的底线在哪里 – You may choose to set higher limits than the recommended amount if appropriate to your situation and needs.
Worried you aren’t completely covered? Consider an umbrella insurance policy that extends your coverage.
正确的报道. 合适的价格. 正确的澳门体育赌博十大平台.
The amount you pay for your home owners insurance depends on many factors. Think of your personal housing situation, and the assets you want to protect.
- 家居保护: Property or Dwelling Coverage typically pays to repair or rebuild your home if it’s damaged or destroyed by an insured event like a kitchen fire or windstorm.
- Protection for You and Other People: Personal Liability Coverage applies if someone is injured or their property is damaged and you are to blame. The coverage generally applies anywhere in the world. When choosing your liability coverage limits, consider things like how much money you make and the assets you own. Your personal liability coverage should be high enough to protect your assets if you are sued.
- 医疗保险: This covers medical expenses for guests if they are injured on your property, and in certain cases covers people who are injured off of your property. It does not cover health care costs for you or other members of your household.
- 额外的生活费用: If you can’t live in your home because of a covered loss, your home insurance policy will pay additional living expenses (commonly for up to 24 months) while damage is assessed and your home is repaired or rebuilt.
- 保护您的物品: Your home is filled with furniture, clothes, electronics and other items that mean a lot to you. Personal Property Insurance helps replace these items if they are lost, stolen or destroyed as a result of a covered loss.
- Scheduled Personal Property Coverage: If you have special possessions such as jewelry, 艺术, antiques or collectibles you may want to talk to your agent about this additional coverage. It provides broader coverage for specific items.
- 如果你出租你的房子: Landlords may have the option to buy optional liability coverage for the risks posed by tenant-occupied dwellings.
Protect the Things that Matter to You
Make an inventory of your home and personal belongings. 如果可能的话, make a list as well as take photos or video – using two inventory methods can help expedite the claim resolution process. Keep this list somewhere other than your home. Keep in mind that your policy doesn’t cover damages caused by poor or deferred maintenance on your p艺术.
每个家都是独一无二的. Talk to us today to find out how to get the best price and value on home insurance in Wayzata or anywhere in Minnesota for you.