Home Insurance

Protecting your Minnesota Home with Insurance

Your home is likely the most expensive investment you will ever make, and for many people, it is the most important one. Having solid insurance coverage on this basic item is very important. At Carver Insurance Group, we take the time to find the best home insurance for our clients.

Coverage Options

The most basic coverage is fire insurance on the home itself, as well as storm coverage. you will have to get separate insurance for flooding.

When buying insurance, you also need to consider whether you want actual cash value or replacement cost for the contents of your home. With cash value, you get the amount the items were worth at the time of the damage. Replacement cost replaces the item with a new one. Cash value costs less, but you get less coverage that way. This could also apply in an older home that had special molding that is hard to find in current times.

Often sheds and other outside buildings, sometimes even garages, are not part of the policy on the house. A pool may also not be covered. It is a good idea to make sure what is covered before choosing a plan. There is also liability coverage to consider. If someone falls on the sidewalk outside your house, you could be liable.

Financial experts say it is a good idea to review your policy once a year, and at Carver Insurance Group, we help customers do that. Stop by and see us if you are an existing customer and we will help make sure your policy is up to date. We also welcome new customers and can help figure out the best policy for each family.