Home Insurance & Coverage Options
If you own a home, we can help you here at Bold North Insurance Agency to obtain a home-owners insurance policy. Homeowners insurance is the only type of insurance that you can get to protect your home from losses and damages along with any kind of property in your home. You cannot predict and prevent accidents from happening. Find a policy that can mitigate the cost and damage.
While it may not be a legal requirement in Minnesota for homeowners to carry insurance, you may need to if the lender that you got your mortgagee through requires it. If the lender requests it, you must get it. Other than that, it is seen as optional insurance.
Property coverage tends to be the most common type of coverage available to homeowners. It is seen as a type of HO policy. It insures the dwellings as well as personal property and other structures in your home. This policy can be in the form of a HO-1 policy or an HO-2 policy. You can also take advantage of a HO-3 policy. This policy is also very common and one of the most widely used. However, it is only limited to damage caused by specified perils. Homeowners can also choose liability protection, which would protect you against claims or even lawsuits. Claims can even be for damage to someone else's property. Make sure that you go through your options to figure out which policy you will benefit from.
You can visit our office or give us a call here at Bold North Insurance Agency to get your homeowner's insurance quote today. We are aware of how important it is to protect your family and your personal belongings. We will help guide you through the entire process to make sure you are making the right decisions. If you live in Minnesota, give us a call!