Your home is where your life happens. Let’s protect it properly.
First steps, birthday dinners, the doorframe with the kids’ heights penciled in. A home is far more than a building. The right policy makes sure that if fire, wind, hail or water ever hits, you can rebuild and not just patch things up.
Home Insurance in Minnesota, done right
I’ve built and remodeled homes as a licensed general contractor, so I know what it actually costs to rebuild today. That matters. Many homeowners are underinsured and don’t find out until after a loss.
I’ll review your dwelling limit, deductibles, water backup and roof coverage, and help you compare options from multiple carriers.
What it can cover
- Dwelling and other structures (garage, fence, shed)
- Personal belongings, with replacement-cost options
- Loss of use (living expenses if you can’t stay home)
- Personal liability and medical payments
- Optional water and sewer backup, scheduled jewelry and valuables, and equipment breakdown
Questions people ask
How much home insurance do I need?
Enough to rebuild your home at today’s construction costs, which is not the same as its market value. I’ll help estimate replacement cost based on your home’s size, finishes and features.
Does home insurance cover basement water backup?
Usually not unless you add water/sewer backup coverage. In Minnesota it’s one of the most important add-ons to ask about.
Can I save by bundling home and auto?
Often, yes. Most carriers offer multi-policy discounts, and you’ll have one agent for both.
I’m buying a home. When should I get insurance?
As soon as you have a purchase agreement. Your lender will need proof of coverage before closing.
Let’s make sure you’re covered.
A 2-minute online questionnaire, no PDFs. I’ll personally follow up, usually within one business day.
David Olson, licensed insurance producer · MN License #40937238. Intrinsic Insurance LLC is not an insurance carrier. Coverage is subject to underwriting and availability.
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.