Home insurance is a complex policy that includes multiple coverage types – not just protection for your house. From the things you own to the future you dream of, it is essential that you choose the right carrier and coverage to fit your needs. Here at Owens Insurance Agency, we understand the unique risks you face as a Minnesota homeowner and as an individual. As an independent insurance agency, our job is to match you with a policy that safeguards your family and minimizes your financial vulnerability to accidents and loss.
Types of Coverage
Although there are many different types of home insurance coverage, most standard insurance policies include coverage for:
Dwelling and Other Structures
This coverage pays to repair or rebuild your home and the other structures on your property if they are damaged or destroyed due to a covered event.
Personal Belongings
This coverage compensates you for the loss of your personal possessions due to theft or other covered events.
Displacement
This coverage helps ensure you can afford temporary housing and other necessary expenses if you are displaced from your home due to a covered event.
Personal Liability
This coverage helps pay for your financial responsibility when you are at-fault for a third-party’s bodily injury or property loss.
Medical Payments
This coverage helps pay for necessary medical expenses when a third-party is injured on your property, regardless of fault.
We also offer a wide range of special endorsements designed to fill in coverage gaps. Endorsements are highly personalized to fit your needs and preferences. While some are recommended for nearly all homeowners, others, such as a home business endorsement, are only appropriate for certain policy-holders. We are happy to help you determine which endorsements are right for you.
Condo and Renters Insurance
If you own a condo, your insurance needs are different than that of a traditional homeowner. Even if your condo association takes responsibility for the structure of your unit, you still need coverage for the inside of your home and your personal belongings. We offer protection against these types of losses, as well as liability, displacement, loss assessment coverage.
Even if you do not own the home you live in; you still need coverage. Our renter’s insurance policies go the extra mile to protect the things you own against damage or loss. Your coverage will also include liability protection against lawsuits, as well as displacement coverage if your apartment or rental home becomes temporarily uninhabitable due to a covered event.
Whatever your circumstance, we here at Owens Insurance Agency are prepared to find coverage that fits your needs.
Why Go Independent for Renter’s, Condo, and Homeowner’s Insurance?
As an independent agency, we do not work for any one particular insurance carrier. This affords us the opportunity to deliver many more options for our customers – not just a few options from the same company. with greater choice comes greater competition and the ability to seek out low prices for the coverage you need.
As a local agency, we aim to represent our customers well. We know the Forest Lake community well and take pride in offering personalized service with a local touch – something that seems to be harder and harder to find. We’ll be there for you long after you purchase your coverage, providing advice and assistance when you need it most.
Give your home and the people inside it the protection they deserve. Contact Owens Insurance Agency for a personalized home insurance risk assessment today.
