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Home Insurance

Having quality insurance protection on your home is of the utmost importance. Whether it’s your first home or your fifth, our experienced agents will give your home insurance the care and attention it deserves, finding you great coverage and rates from over 30 trusted insurance companies.

Homeowner’s Insurance Coverage


Damage to Home and Other Structures
Covers your home and other structures on your property for damage from things like weather, fire, and more.

Liability Coverage
Covers you for damages or injuries to another person, when you are liable.

Personal Property Coverage
Covers you for damage or theft to your clothes, furniture, electronics, and other personal property.

Medical Payments
Pays for minor medical bills for injured guests.

Scheduled Property (Art, Guns, Jewelry, etc.)
Coverage for special classes of property that have lower limits on standard homeowners insurance.

Water & Sewer Backup Coverage
Covers you for damage from a backup of water from a sewer or drain that originates on your property.

And more

Homeowners Insurance in Rochester, MN

What is Homeowner’s Insurance?

Homeowners insurance is a package policy, meaning it covers damage to your property and liability (legal responsibility for injury or damage to other people). Because everyone’s risk exposure is different, there are a multitude of different coverage options that may be added to a homeowners policy. We’ll help you understand what you need and what you don’t to get you great coverage at a great price.

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We Can Cover

High Value Homes

Old & New Homes

Condos

Renters

Seasonal Homes

Landlords

New Construction

And more

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Discounts Available

Multi-Policy Discount

Mayo Employees Discount

Security Alarm Discount

Claims Free Discount

Occupation Discounts

Paid In Full Discount

And more

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If you’d like to learn more about home insurance, browse our blog below or visit the Insurance Information Institute website. They provide a breadth of educational material to help increase public understanding of insurance.

Learn More

Dwelling coverage concept. Luxury home during twilight golden hour with pink and purple sky and lush landscaping.

What is Dwelling Coverage and How Much Do You Need?

Key Takeaways One number matters more than any other on your homeowners policy: your dwelling coverage limit. It determines how...

House insurance form for homeowners and model of home.

The Risk of Going Without Homeowners Insurance

Key Takeaways Homeowners insurance has gotten more expensive in recent years. If your budget feels tight or your home is...

Home and auto insurance concept. Man in dress shirt covers small car and house cutouts with his hands.

How Bundling Home and Auto Insurance Can Save You Money and Stress

Finding ways to lower your insurance costs without cutting corners can feel impossible. One of the simplest and most effective...

Worried homeowner holding a bucket under a leaking ceiling while calling for help about water damage in his house.

Does Homeowners Insurance Cover Water Damage?

Water damage is one of the most common — and expensive — homeowners insurance claims. A leaky ceiling, a flooded...

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