Homeowners Insurance in New Brighton, MN
Homeowners’ insurance helps address the risks tied to property damage, theft and liability. Dean Olson Insurance Agency is committed to assisting local homeowners in comparing coverage options that reflect the realities of homeownership in New Brighton, MN.
What Does a Standard Homeowners Insurance Policy Cover? 
While policy terms and coverage levels can vary, most homeowners’ insurance plans include the following coverages:
- Dwelling coverage, which may help with repairs or rebuilding if your home is damaged by fire, wind or other covered events
- Personal property coverage, which may apply to belongings like furniture, electronics or clothing that are damaged or stolen
- Liability coverage, which may assist with expenses if someone is injured on your property or if you’re found responsible for damage to another person’s property
- Additional living expenses, which may help cover hotel or meal costs if your home is temporarily uninhabitable after a covered incident
- Other structures coverage, which may extend to fences, sheds and detached garages on your property
Optional coverage, such as water backup, flood or scheduled personal property, may be appropriate depending on your needs.
What Should You Prepare When Shopping for Homeowners Insurance?
Being ready with a few key details can make the quoting process quicker and more accurate:
- Your home’s year built, square footage and roof age
- Details about upgrades, renovations or home safety features
- The estimated value of your personal belongings
- Any claims history or existing insurance documents
- Information on mortgage requirements, if applicable
Our agents can help you understand how these details influence your coverage.
Contact Us Today
Dean Olson Insurance Agency serves homeowners in New Brighton, MN with personalized service and insight into local property needs. Contact us for a personalized quote.