Do you know how much it would cost to rebuild your home and replace your belongings if they were destroyed? Don’t sell yourself short. Buying the right home insurance is the most important thing you can do to protect one of the biggest purchases of your life. At Patriot Insurance, we go to great lengths to protect your best interests. That means building a total package policy that shields your home, your possessions, and your financial assets against disasters and a wide range of catastrophes.
Insurance that Protects Your Property and Possessions
Minnesota homeowners insurance is broken down into multiple types of coverage. All are designed to save you money when disaster strikes.
Dwelling Insurance
Your home’s structure may be strong, but it is susceptible to damage from many potential hazards. Dwelling insurance helps assure you are reimbursed for losses when your property is damaged or destroyed by a covered event. This might include:
- Smoke damage after a fire
- Water damage caused by faulty plumbing
- Roof damage from a fallen tree
- Wind damage after a storm
Personal Property
Your home is filled with personal belongings – all of which add value to your life. If a thief breaks in and steals your expensive electronics, it helps to know you are covered. Personal property insurance reimburses you for losses on the inside of your home, from your furniture and appliances to your wardrobe and decor.
Living Expenses
If your home is severely damaged, you may not be able to safely live in it. Being displaced from your house is never easy, but your home insurance can help lighten the load with emergency living expense coverage that pays for lodging and meals until you can return home or find permanent lodging.
Liability Insurance
Liability is an important part of home insurance, as it protects your money and assets against lawsuits. You can be sued for bodily injury and personal losses stemming from accidents on your property. You can also be sued for injuries and losses caused by you, your pet, or members of your family away from home. Liability insurance helps pay for your legal defense fees, court fees, medical payments to injured victims, and any judgments against you up to the limits on your policy.
Customize Your Minnesota Home Insurance
Homeowners insurance is not a one-size-fits-all purchase; rather, it must be personalized to fit your needs. We recognize that the needs of Blaine homeowners vary; what works for one family may not work for yours. Perhaps you have a unique structure on your property or would like to add coverage to your policy not included in your standard protection, such as earthquake insurance.
When you work with an independent insurance agent, you are working with someone who can assess your personal risk and customize a homeowners insurance plan that fits your needs. We can offer a wide range of endorsements to enhance your policy. Whether you need to add protection for a home business or need extra insurance for your high-valued personal property, we make it easy to get the coverage you need.
Homeowners Insurance Discounts
As a homeowner, you can qualify for an assortment of budget-friendly discounts to help you keep more of your hard-earned cash. Examples include:
- Security Discounts: for properties protected by smoke detectors, security systems, full-time security guards, in-home sprinkler systems and more
- Multiple Policy Discounts: for customers who carry multiple lines of coverage with the same insurer
- Claims-Free Discount: for property owners who have not had any recent claims and losses
Your Independent Insurance Agent is Standing By
Whether you are buying a home for the first time or need to update your existing coverage, Patriot Insurance is here to help. We are a full service, independent insurance agency working to help our clients secure complete coverage at affordable rates. We will shop and compare home insurance on your behalf until we find the policy that is right for you. If you are in need of insurance for your home in Blaine or the greater Twin Cities area, contact our office to request your free quote. We look forward to serving you soon.
