Homeowners Insurance

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Homeowners Insurance in Bloomington, MN


Homeowners insurance provides coverage for damage to your house and personal property as well as liability protection for your family. While home insurance isn’t required by law, it will be required by your lender if you have a mortgage. Even if you own your home outright, it’s usually a good idea to have some home coverage, at least for catastrophic losses. There are many coverages available that may be a good fit for you.

We’ll help you figure out the right amount of coverage and compare quotes from up to 20 top insurance companies. Contact us or request insurance quotes to get started.

Homeowners Insurance in Bloomington MN

Homeowners Insurance Coverage


Personal Liability

Covers injury or property damage that you or a family member  cause to another.


Covers damage to your home and attached structures.

Personal Property

Covers damage to or theft of property within your home, like clothes, furniture, electronics, appliances, and more.

Other Structures

Covers damage to structures on your property that are not attached to your home, like a shed or detached garage.

Loss Of Use

Covers the cost of alternative living arrangements if your home is unusable due to a covered incident.

Medical Payments

Covers minor medical bills for guests that are injured on your property.

Personal Injury

Covers libel or slander damages you cause to another.

Properties We Cover

  • Single family homes
  • Condos
  • Townhomes
  • Rental properties
  • Seasonal & vacation homes
  • Renters
  • Multi-unit housing
  • AirBNB & VRBO
  • Cabins
  • And more

Home Insurance Discounts

  • Multi-policy
  • Protective devices
  • Loss-free
  • Pay-in-full
  • Roof rating
  • Prior insurance
  • Gated community
  • Smart home
  • Occupation
  • And more

Common Questions


How much homeowners insurance do I need?
The amount of dwelling coverage needed varies based on a couple factors. The most important being the estimated replacement cost of your home. Your insurance contract will require a minimum of 80% (sometimes more) of the estimated replacement cost in order to pay for losses properly. Your estimated replacement cost is not the same as the purchase price and is calculated using information about your property and the current construction environment. In addition, your mortgage lender will also require you have at least as much coverage as your loan balance.

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