Homeowners Insurance Quotes

A house is not considered just a building to you, it is a home that protects your family from the outdoor Minnesota blizzards and summer thunderstorms. While you stay safe and warm in your humble abode, your house is taking the damage, literally. Your house is one of your most valuable assets, so shouldn't you protect it with the best proper coverages, as it protects you?

Many other insurance companies cover the common claims such as fire, wind, hail, floods, and tornadoes, but what about the broken pipe, a tree falling, or a stranger slipping on your front steps during one of our Minnesota snowstorms? These losses can be devastating and costly draining hard earned funds from your bank account. National Farmers Union Insurance covers your home against a variety of losses. We make sure to cover all of the options with you in order to tailor your policy to obtain all the coverages you need.

Three Most Commonly Asked Questions:

1) Can I cover a Diamond Engagement Ring under my Homeowners Policy?

Yes, Farmers Union Insurance has a policy within a policy, so to speak. An optional coverage is available by listing personal property in your policy after establishing specific needs for collectibles, jewellery, and firearms. This can cover the majority of risks of loss including mysterious disappearance.

2) Does my homeowners insurance cover flood damage to my house?

No, standard home insurance does not cover you in case of a flood. A separate flood insurance policy would need to be taken out. Even though you may not live in a flood zone, you could still suffer from having water seep into your basement after a long Minnesota snow blown winter begins to melt. I am a certified agent with FEMA Flood Insurance and can provide you the protection needed from water damage in your home. If you have more questions on a flood insurance policy, please contact us.

3) Will I receive replacement cost on my personal belongings?

Yes, you can choose to receive replacement cost on your personal belongings for your policy. Please make sure you notify us of this intention so we include that on your homeowners policy to help protect you the best we can in case of a loss.

Remember that while Farmers Union Insurance is our preferred company and usually has the best rates, we do have several other carriers from which to choose:

• American Modern Homeowners Insurance
• Concorde General Homeowners Insurance
• Foremost Homeowners Insurance
• The Hartford Homeowners Insurance

To have us provide a quote for any of these services, please call us directly at (320) 769-2088 or you can use the online quote request form and we will get right back with you.