Minnesota Wind and Hail Deductibles: The Dollar Math Behind Your Renewal
A percentage wind or hail deductible can change your storm-repair budget. Convert it into dollars and compare the tradeoff at renewal.
Category Home Insurance
Homeowners, renters, condos, property coverage, and preparing for a claim.
Leaving a Minnesota Home Empty? Review Vacancy and Unoccupancy Coverage
An empty house can change your insurance needs during a move, renovation, or estate transition. Ask about the policy before the last moving box leaves.
Minnesota Condo Insurance: Where the Master Policy Ends and Yours Begins
A condo review needs more than your own declarations page. Gather the association documents, master-policy details, and deductible information.
Renters Insurance in Minnesota: Protecting More Than Your Furniture
Your landlord’s policy and your renters policy solve different problems. Review belongings, liability, temporary living expenses, and roommate questions.
Planning a Minnesota Remodel? Review Home Insurance Before Demolition
A remodel changes more than the room you are renovating. Review insurance for the work in progress, occupancy changes, and the finished home.
Build a Home Inventory Without Turning It Into a Weekend Project
A useful home inventory starts with one room and a phone. Create a practical record of everyday belongings, valuables, and the information a claim may need.
Ice Dams and Home Insurance: A Minnesota Winter Plan
An ice dam can lead to water inside your home. Learn how to respond safely, document damage, and ask what your policy covers before winter.
Water Backup or Flood? A Minnesota Homeowner’s Guide to the Difference
Water on the basement floor does not tell the whole insurance story. Learn which questions separate plumbing damage, water backup, and flood coverage.
After a Minnesota Hailstorm: Understanding Your Roof Claim and Settlement
Before comparing a roofing estimate with an insurance payment, understand the deductible, depreciation, roof schedule, and scope of covered repairs.
Replacement Cost vs. Market Value: What Minnesota Homeowners Should Insure
Your home’s selling price and the cost to rebuild it answer different questions. Learn what to check before choosing a dwelling limit.
One of the things that sets Intrinsic Insurance apart is our commitment to our customers. We believe that insurance should be easy to understand and easy to use, and we strive to make the process as smooth and stress-free as possible. Our agents take the time to get to know our customers and their unique needs, so we can provide personalized coverage that meets their specific requirements. Over time, we’ve earned a reputation for exceptional customer service and expertise in the insurance industry, real estate, and construction. We’re proud to have a team of experienced agents who are dedicated to providing our customers with the highest level of service and support. Our agents are knowledgeable, friendly, and always available to answer questions or help our customers file a claim.