Homeowners Insurance
Homeowners Insurance Basics
Homeowners insurance helps protect your home and belongings from a wide range of potential perils. Beyond simply covering the structure of your house, it protects your family from personal liability lawsuits. Homeowners insurance provides peace of mind and financial security for one of your largest assets. At Guardian Insurance Services MN, we can help you decide on coverage and gather quotes from over 35 top insurance companies. Contact us or request quotes to get started now.
Homeowners Insurance Coverage
Personal Liability
Covers damage or injury you or a resident family member cause to another party.
Dwelling
Covers damage to your home caused by a variety of perils, such as weather and fire.
Other Structures
Covers damage to other structures on your property that are not affixed to the house.
Personal Property
Covers your personal belongings, furniture, appliances, electronics, and more.
Loss of Use
Covers the cost of alternative living arrangements after your home experiences a covered loss that leaves it unlivable.
Medical Payments
Covers minor medical costs for guests that are injured on your property.
Jewelry / Collectibles
Covers theft and disappearance of jewelry and other high-risk categories of property that have limited coverage on a standard policy.
And more
There are even more coverage options that may be necessary, depending on your needs.
Home Insurance Discounts
Multi-policy
Pay-in-full
Automatic payment
Loss-free
Safety devices
New home
New roof
Prior insurance
Paperless billing
Properties We Insure
Single family homes
Secondary / vacation homes
Multi-unit properties
Rental homes
Short-term rental
Condos
Modular homes
And more