Homeowners Insurance
Coverage matched to Minnesota houses: hail, wind, ice dams, and frozen pipes, with the deductibles explained in plain English.
A Minnesota house earns its keep, and so should its insurance. Between spring hail, straight-line winds, ice dams, and the occasional burst pipe in a January cold snap, your home faces a specific set of risks. Todd shops multiple carriers to build a homeowners policy that fits your house, your roof, and your budget, then walks you through replacement cost, wind and hail deductibles, and the endorsements that actually matter. No mystery line items, no coverage you cannot explain to yourself.
What's Included
- Wind and hail deductible guidance
- Replacement cost options explained
- Multiple carriers compared
- Ice dam and winter loss awareness
Homeowners Insurance Service Areas
We provide homeowners insurance services across the northwest Twin Cities metro.
Frequently Asked Questions
Does homeowners insurance cover hail damage to my roof?
Most Minnesota homeowners policies cover hail and wind, but many carry a separate wind and hail deductible, sometimes a percentage of your dwelling coverage rather than a flat amount. Todd walks you through exactly what yours would be before you buy.
Are ice dams covered?
Water damage from an ice dam is often covered as a sudden interior loss, but the details depend on the policy and how the damage happened. Todd reviews the policy language with you so you know where you stand before winter.
Can I bundle home and auto?
Usually, yes, and it often helps the total premium. As an independent agent, Todd can compare bundled and separate options across carriers and show you the actual numbers.
Other Services
Personal Auto Insurance
Auto coverage for Minnesota driving: winter roads, deer on the county highways, and commutes on 494 and 169.
Learn more →Commercial Auto Insurance
Trucks, vans, and work vehicles covered properly, whether you run one pickup or a small fleet across the metro.
Learn more →Business Owners Policy (BOP)
Property and liability coverage bundled for small Minnesota businesses, from shops and offices to trades.
Learn more →