Owning a home comes with a lot of pride and responsibility, such as making sure your investment is protected with the right homeowners insurance policy. When looking for the right policy for your home, it is important to keep in mind that not every policy is the same. Make sure that you know these important details about your homeowners insurance policy and what it covers before investing in a policy.

  • What it covers. Knowing what your homeowners insurance policy covers is one of the most important aspects of the policy. Typical policies will provide coverage for the damage or destruction of your possessions and property in case of a named peril.
  • What is does not cover. Just as important as knowing what the policy does cover, make sure that you know what it does not cover as well. Most homeowners insurance policies will not provide coverage for earth movements, such as earthquakes, landslides, and sinkholes. In order to ensure that you are covered from these perils, you should invest in supplements policies, such as an earthquake insurance policy.
  • The importance of shopping around. Since not all homeowners insurance policies are the same, it is important to make sure that you shop around to ensure that you invest in the right policy for your specific situation. Working with an independent insurance agent is the best way to have access to many different policies.
  • How to save on your premiums. Along with shopping around for a policy, there are many other ways to save on your homeowners insurance policy. One of the most common ways is to bundle your homeowners insurance with your other personal insurance policies, such as your auto insurance. It will also help to simplify your life since you will only have to worry about a single bill rather than multiple bills for each policy.

Contact North Central Insurance for all of your homeowners insurance coverage needs throughout Minnesota.