Homeowners Insurance
Coverage for your house that reflects what it would actually cost to rebuild it in Minnesota, reviewed with you line by line.
A Minnesota house earns its coverage. Hail strips shingles, straight-line winds take down trees, ice dams push meltwater under the roofline, and a hard cold snap can freeze pipes in a wall that was fine for twenty winters. Todd reviews homeowners policies the way a builder reads a plan: dwelling limits that track real rebuild costs, roof coverage terms you understand before a storm rather than after, and deductibles you pick on purpose. Because the agency is independent, Todd can shop multiple carriers and fit the policy to the house you actually own, whether that is a new build in Otsego or an older place with character and quirks.
What's Included
- Rebuild-cost focused dwelling limits
- Hail, wind, and ice dam coverage review
- Water backup and service line options
- Deductible choices explained in plain language
Homeowners Insurance Service Areas
Todd writes homeowners insurance across the northwest Twin Cities metro.
Frequently Asked Questions
Does homeowners insurance cover hail damage to my roof?
Most Minnesota policies cover hail, but the terms vary a lot: some pay full replacement cost, others pay a depreciated amount on older roofs, and wind and hail deductibles can differ from your base deductible. Todd walks through exactly how your policy would respond before you ever need it.
What is an ice dam and does insurance cover the damage?
An ice dam forms when heat escaping the attic melts roof snow that refreezes at the eaves, backing water up under the shingles. Resulting interior water damage is commonly covered, but prevention is not. Todd reviews how your policy treats water intrusion so there are no surprises in February.
How do I know if my dwelling limit is high enough?
The limit should reflect what it would cost to rebuild your house at today's material and labor prices, which is not the same as its market value or tax value. Todd runs a rebuild-cost estimate as part of every homeowners review and updates it at renewal.
Other Services
Personal Auto Insurance
Auto coverage built for Minnesota driving: deer on Highway 55, icy commutes, and liability limits that actually protect what you own.
Learn more →Commercial Auto Insurance
Coverage for work trucks, vans, and trailers. If the vehicle earns money, it needs a policy written for that job.
Learn more →Business Owners Policy (BOP)
Property and liability basics bundled into one policy for small Minnesota businesses. Practical protection without the enterprise price tag.
Learn more →