Homeowners Insurance Quotes

Home is where the heart is! When you come home we want you to be able to spend quality time with your family and friends, and not have to worry about your insurance coverage.

Nobody likes buying insurance, but we want to make this as easy and painless for you as possible. We take pride in our work. We want you to know exactly what you are buying and why. Our goal is for you to be content knowing that your home, possibly your most valuable asset, is protected and that your agent will always be there when you need him. Remember that complete coverage from a quality company is what matters.

Some of our coverages include:

• Replacement Cost Coverage for both home and/or contents
• NFU FinancialGuard                                                                                       
• NFU HomeGuard
• Equipment Breakdown                                                                        
• Credit Card and Forgery as well as Identity Fraud Expense
• Fire Department Service Charge
• Inflation Guard
• Contents covered by Special perils
• Water and Sewer Backup

Additional coverage is available for really valuable personal belongings (sometimes with no deductible) such as :

• Jewelry
• Furs
• Cameras
• Musical Instruments
• Silverware                                                                              
• Sports Equipment
• Stamp and Coin Collections
• Fine Arts

Discounts on Home Insurance

At The Harmoning Agency -- Farmers Union Agency, Inc. we want you to get the most of your home. If you have home insurance with us you may be eligible for other discounts which can save you a few bucks.

Some of the discounts we offer are:

• A package discount when you have your home and auto insured with us.
• Discounts for new homes and newly renovated homes
• Discounts for smoke detectors, dead bolts and fire extinguishers.

Another way to get the most out of your home is by making it as energy efficient as possible. Small changes will save you a few dollars here and there. You can spend this extra money on making home improvements, putting more plants in your garden, or freshen up a room with a new coat of paint.

Here are a few simple things to do to save money / energy at home:

• Buy in bulk when possible (paper towels, nuts, granola) - save on trips to the store and save resources on packaging
• Unplug your electronics when not in use
• Turn your water heater down a few degrees
• Turn your thermostat down at night and put some extra blankets on your bed

If you want to get the most out of your home, we can help. Give us a call today at (507) 557-7000 or get your home insurance quote started online now!

We do our very best to provide you with the best coverage to meet your specific needs. While QBE Farmers Union Insurance is our preferred company and usually has the best rates, we do have several other carriers from which to choose.

In most instances, your homeowners policy will not cover flood damage. For more information about protecting your home from a flood, please give us a call.

Some of the carriers we represent include:

• QBE Farmers Union Insurance                                                             
• American Modern Homeowners Insurance
• The Hartford Homeowners Insurance                         
• Foremost Homeowners Insurance
• Fidelity Insurance Company

To have us provide a quote for any of these services, please call us directly at (507) 557-7000 or you can use the online quote request form and we will get right back with you.