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Best Homeowners Insurance Agencies in Saint Paul

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AdvisorNet Property and Casualty logo
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AdvisorNet Property and Casualty

701 4th Avenue South, Minneapolis, MN 55415
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  • Renter's Insurance
  • Flood
  • Fire
  • Condos

Business Description

AdvisorNet Property and Casualty carries homeowners insurance products and advises clients on purchasing the right policies for their circumstances. It sells coverage for properties and the structures on them and enables clients to customize their policies for special circumstances and valuable personal items, such as pieces of jewelry. Clients can also acquire coverage for personal liability so that they can shield themselves from financial responsibility for any guests hurt on their premises.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (8)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
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––
Chad Babcock logo
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License Verified:

License: 20492019

The Minnesota Department Of Commerce Licensing Unit

Chad Babcock

2015 Hillcrest Avenue, Saint Paul, MN 55116
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  • Renter's Insurance
  • Condos

Business Description

Chad Babcock offers State Farm’s homeowners’ insurance policies to property owners in Highland Park and its environs. He also provides life insurance, commercial lines insurance, and policies for vehicles and rented properties. He is supported by a team of agents and account representatives who extend their services from an office in Saint Paul. Chad, who has been with State Farm since 2002, is a licensed agent in Minnesota and Wisconsin. He is certified as a Chartered Financial Consultant and also handles mutual funds and annuities.

License Verified:

License: 20492019

The Minnesota Department Of Commerce Licensing Unit

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (72)
Facebook
5.0 / 5 (31)
Yelp
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
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Champion Insurance Services Inc logo
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License Verified:

License: 40370194

The Minnesota Department Of Commerce Licensing Unit

Champion Insurance Services Inc

821 Raymond Avenue, Suite 400, Saint Paul, MN 55114
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  • Multiple Carriers
  • Multiple Policy Types
  • Homeowners

Business Description

Champion Insurance Services Inc. is an independent business that caters to clients in Saint Paul and the surrounding areas. It offers a variety of personal insurance plans that protect homes and properties. It also provides auto, flood, classic car, recreational vehicle, delivery truck, and taxi cab insurance solutions. Its team customizes commercial insurance packages. Champion Insurance Services has partnered with several insurance carriers, such as The Hartford, American National, Progressive, Safeco, and Foremost Insurance Group.

License Verified:

License: 40370194

The Minnesota Department Of Commerce Licensing Unit

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.5
Google
4.7 / 5 (15)
Facebook
4.0 / 5 (4)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
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Christopher Kisch logo
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License Verified:

License: 20024431

The Minnesota Department of Commerce Licensing Unit

Christopher Kisch

625 Southview Boulevard, South Saint Paul, MN 55075
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  • Homeowners

Business Description

Christopher Kisch is a homeowners insurance agent with State Farm serving clients in Saint Paul. He is the owner of Christopher Kisch Ins Agcy Inc, which consists of four other team members, and they have a combined insurance experience of over 75 years. The company specializes in home, auto, business, renters, and life insurance. Christopher is dedicated to listening to client's needs while providing a simple and fun experience. He earned his designation as a Chartered Life Underwriter and enjoys flying remote control airplanes in his free time.

License Verified:

License: 20024431

The Minnesota Department of Commerce Licensing Unit

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
4.0 / 5 (21)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
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Detail
East Metro Insurance logo
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East Metro Insurance

1901 Minnehaha Avenue East, Saint Paul, MN 55119
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  • Renter's Insurance

Business Description

East Metro Insurance is a full-service insurance firm serving the Saint Paul metro area. It helps individuals and families in finding the right homeowners' insurance plan that caters to their needs. As an independent insurance agency, its agents represent over a dozen local and national carriers offering various coverage options. East Metro Insurance is owned and operated by local insurance broker Bill Runck. Runck has been insuring individuals and families for over two decades. He specializes in life, health, and commercial insurance.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
4.8 / 5 (11)
Facebook
5.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
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FIRST CLASS INSURANCE BROKERS logo
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FIRST CLASS INSURANCE BROKERS

4651 Nicols Rd Ste 203, Eagan, MN 55122
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  • Renter's Insurance
  • Condos
  • Flood
  • Personal Property Insurance
  • Multiple Policy Types
  • Homeowners

Business Description

Located in Eagan, Minnesota, First Class Insurance Brokers is an independent insurance agency serving the Saint Paul metro area since 2017. Its home insurance product is one of many forms of insurance it offers its personal and business clients. The agency works with many national carriers, searching their policies for the one that fits their client's needs. Home insurance typically covers the building's structure and contents, as well as liability protection for the owner. The agency can offer additional coverage.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (50)
Yelp
5.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
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Hughes Insurance Agency logo
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License Verified:

License: 40068820

The Minnesota Department Of Commerce Licensing Unit

Hughes Insurance Agency

1437 Marshall Ave. Suite #100,, St. Paul, MN 55104
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  • Homeowners

Business Description

Hughes Insurance Agency has been providing service to the locals of Saint Paul since 1990. The agency provides homeowners' insurance along with insurance coverage for boats, businesses, life, health, automobile, and workman's compensation for all of Wisconsin and Minnesota. The owner, Todd Hughes, who bought the agency from his father in 1994, is affiliated with 15 different insurers which help create personally tailored insurance for every client need. The small business still has its original clients from over two decades ago.

License Verified:

License: 40068820

The Minnesota Department Of Commerce Licensing Unit

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (4)
Google
5.0 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Kelliher & Associates, Inc. logo
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License Verified:

License: 9401

The Minnesota Department Of Commerce Licensing Unit

Kelliher & Associates, Inc.

3470 Washington Dr., Ste 126, Eagan, MN 55122
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  • Multiple Policy Types
  • Homeowners

Business Description

Established in 1960, Kelliher & Associates, Inc., is a family-operated company serving the insurance needs of clients in Saint Paul. The team offers homeowners' insurance policies that cover dwellings, unattached structures, personal belongings, personal liabilities, and additional living expenses. It also furnishes insurance coverages for automobiles, healthcare, individual life, and businesses. Founder William J. Kelliher kept his children involved in the business operations, and in 1991, his son David became the president of the company. It partners with brands, such as Progressive and MetLife.

License Verified:

License: 9401

The Minnesota Department Of Commerce Licensing Unit

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (4)
Facebook
5.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Krog Insurance - St. Paul logo
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License Verified:

License: 20541219

The Minnesota Department of Commerce Licensing Unit

Krog Insurance - St. Paul

637 Snelling Avenue North, Saint Paul, MN 55104
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  • Renter's Insurance
  • Condos
  • Flood
  • Homeowners

Business Description

Located in Saint Paul, Krog Insurance is a family-owned business founded in 1986. Its line of products includes home, renters', and condo insurance. Additionally, it crafts small business, life, boat, car, and flood insurance policies. The company was formed by Jon Krog, Sr., and is now owned and managed by his son Jon, who joined it in 2006 to offer insurance products and services from a variety of insurance carriers.

License Verified:

License: 20541219

The Minnesota Department of Commerce Licensing Unit

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (28)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Lakeville Insurance Agency logo
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Lakeville Insurance Agency

9202 202nd St W Ste 200, Lakeville, MN 55044
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  • Personal Property Insurance
  • Homeowners

Business Description

Lakeville Insurance Agency is a family-owned and operated home insurance company that has been serving the residents of Saint Paul, Minnesota, since 1985. As an independent agency, the company works with a variety of providers, including Encompass, Progressive, and Western National Mutual, to offer its clients a multitude of options to fit their needs. Its policies provide coverage for property damage and medical bills in the event of an accident or natural disaster.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (16)
Facebook
5.0 / 5 (8)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
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Detail
McGovern Agency logo
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License Verified:

License: 40307658

The Minnesota Department Of Commerce Licensing Unit

McGovern Agency

90 Dale St S, St. Paul, MN 55102
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  • Multiple Carriers
  • Multiple Policy Types

Business Description

McGovern Agency is a full-service and independent insurance business that caters to clients in Saint Paul and the surrounding areas. It crafts homeowners' insurance policies, which provide financial protection against thefts and natural disasters. The policies may cover personal liability, dwellings, alternative living arrangements, and medical payments. The agency has partnered with more than 20 insurance carriers, including The Hartford, Foremost, American Modern, and Berkshire Hathaway. It also offers life, health, business, car, motorcycle, and recreational vehicle insurance options.

License Verified:

License: 40307658

The Minnesota Department Of Commerce Licensing Unit

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (52)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
McNamara Company logo
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McNamara Company

1330 Highway 96 E, Saint Paul, MN 55110
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  • Renter's Insurance
  • Condos
  • Flood
  • Personal Property Insurance
  • Multiple Policy Types
  • Homeowners
  • Landlords

Business Description

Founded in 2013, the McNamara Company is an independent, family-owned insurance agency located in Saint Paul, Minnesota. Home insurance brokers work with over a dozen carriers to help clients identify their risks and find policies that cover the full replacement value of their houses, condos, or manufactured homes and belongings following a loss. The company also offers policies for perils not covered by standard insurance plans, such as flood damage and excess liability.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (20)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Minneapolis St. Paul Agency logo
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Minneapolis St. Paul Agency

2469 University Avenue West, Saint Paul, MN 55114
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  • Homeowners

Business Description

Minneapolis St. Paul Agency is a private independent company that serves personal and business clients in Saint Paul and surrounding areas. It offers homeowners insurance policies to help clients protect their properties. It assists clients in understanding the coverage of insurance policies and how coverage amounts are calculated. It also intervenes between the clients and insurance companies when the claim process gets complicated. This firm considers protecting the clients' life's work as its mission and has been in the industry for over 40 years.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
3.9
Google
4.5 / 5 (182)
Facebook
4.5 / 5 (57)
Yelp
1.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Onyx Insurance Brokers logo
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Onyx Insurance Brokers

3521 88th Ave NE, Blaine, MN 55014
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  • Homeowners

Business Description

Onyx Insurance Brokers is a Blaine-based independent insurance agency that caters to clients in Saint Paul. It offers homeowners insurance policies from over 25 different carriers, such as Nationwide and Berkshire Hathaway. The agency helps first-time applicants process their enrollment to other home coverage plans. Its agents can also review existing plans to recommend additional coverage, like premises liability or flooding repairs. Aside from homeowners' insurance, Onyx provides other residential insurance for cars and motorcycles. It also has commercial auto and property insurance plans.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (81)
Facebook
5.0 / 5 (10)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Red Rock Insurance Agency logo
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Red Rock Insurance Agency

783 Radio Dr Ste 103, Woodbury, MN 55125
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  • Renter's Insurance
  • Personal Property Insurance
  • Multiple Policy Types
  • Homeowners

Business Description

Red Rock Insurance Agency provides home insurance services to customer living in the Saint Paul, Minnesota, metro area. The agency assists home owners with policies that protect their property, belongings, and themselves from lawsuits involving third parties, and is sells renters policies that protect their items held in leased dwellings. Aside from traditional homes, this company also sells insurance for condominiums. Insurance policies for automobiles and health coverage are also sold by Red Rock Insurance Agency.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Google
4.6 / 5 (11)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Rising Star Insurance Brokers logo
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Rising Star Insurance Brokers

2079 County Road D E Ste A, Maplewood, MN 55109
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  • Personal Property Insurance
  • Multiple Policy Types
  • Homeowners
  • Landlords

Business Description

In business since 2009, Rising Star Insurance Brokers is a Saint Paul, Minnesota-based agency assisting clients with home insurance policies that cover structures, belongings, liability, and expenses related to the loss of use. It assists clients in shopping for rates and advises them on special coverage areas that may be essential to their lifestyle, such as scheduled property coverage for someone with an extensive art collection. Rising Star Insurance Brokers also offers extensive auto insurance services.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (30)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
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Helpfulness
Detail
Timothy Poston logo
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License Verified:

License: 20142028

The Minnesota Department of Commerce Licensing Unit

Timothy Poston

2136 Ford Parkway, Saint Paul, MN 55116
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  • Condos
  • Fire
  • Homeowners

Business Description

Timothy Poston is a homeowners insurance agent offering his services to clients in the Saint Paul metro, understanding their financial needs, and helping them come up with solutions. He has been in the industry since 1988 and joined Insurance Brokers of Minnesota, Inc. in 2005, giving him the opportunity to provide his clients more coverage options, market availability choices, and pricing. Backed by the Insurance Brokers of Minnesota, Inc., Timothy offers different homeowner policies, including the most common types such as basic or standard, broad form, special which is also called deluxe or all risk, renters, condo, and older home policies.

License Verified:

License: 20142028

The Minnesota Department of Commerce Licensing Unit

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
WA Group logo
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WA Group

1740 Rice St., St Paul, MN 55113
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  • Homeowners

Business Description

WA Group is an insurance agency that serves financial security to residents and businesses all over the Saint Paul metro. The company offers homeowners' policy packages. Its agents assist clients by helping them create plans and identify potential risks, system breakdowns, and vulnerabilities so they can be addressed earlier. Some of the carrier companies they carry include MetLife, Liberty, and Integrity. Its founder, William Baumann, started his first agency in 1893, from which the current company originated. WA Group has been 100% employee-owned since 1985.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.3
Google
4.4 / 5 (7)
Facebook
4.3 / 5 (6)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Wiessner Insurance Agency logo
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Wiessner Insurance Agency

250 Hamline Ave S, Saint Paul, MN 55105
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  • Personal Property Insurance
  • Multiple Policy Types
  • Homeowners

Business Description

Wiessner Insurance Agency sells all forms of insurance to residents of St. Paul, Minnesota. It was founded in 1960 and is a locally-owned and operated brokerage. The company sells home insurance on behalf of major carriers such as Nationwide, NSI Insurance Group, Encompass, and Foremost Insurance Group. Its policies are affordable and comprehensive. Most include coverage options such as personal liability, structural repair, and personal belongings insurance. In addition to home insurance, Weissner Insurance Agency sells auto, life, and commercial insurance.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Google
4.8 / 5 (31)
Facebook
4.6 / 5 (18)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
WIN Insurance Agency Inc logo
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WIN Insurance Agency Inc

2704 Mounds View Blvd, Mounds View, MN 55112
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  • Renter's Insurance
  • Condos
  • Flood
  • Personal Property Insurance
  • Multiple Policy Types
  • Homeowners

Business Description

WIN Insurance Agency Inc. has been serving residents of Minnesota and Wisconsin for more than 40 years. Homeowners living in St. Paul can rely on the company to provide comprehensive, affordable home insurance policies that are carried by nationally known companies such as Progressive, The Hartford, and Liberty Mutual. In addition to home insurance, the company offers auto, life, and business policies. WIN Insurance Agency is a Better Business Bureau accredited business and a Trusted Choice independent insurance agent.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.3
Google
4.0 / 5 (6)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Back to Providers

Frequently Asked Questions

Introduction

Homeowners' insurance is a type of property insurance used by private property owners to protect their home and property from a range of risks and liabilities. It is also called home insurance.

All homeowners' insurance policies cover the primary home on a property, meaning that most damage from weather, accidents, vandalism, and other events will be at least partially paid for by the insurance company. Many policies also include coverage for other structures, personal property, and some premises liability.

It is not required by law that a homeowner purchases insurance for their property. However, if you have a mortgage, the lender will usually make purchasing a homeowners' policy a mandatory part of the loan process. Since the mortgage lender is essentially selling you the home, they require you to protect the investment.

What determines the price of homeowners insurance premium?

The premium, or monthly cost, of your homeowners' insurance policy depends on several factors, including the value of your home and amount of coverage you choose. Your credit history and whether the property is in a higher risk area also play a role.

What is the difference between home warranty and homeowners insurance?

Homeowners' insurance protects your home and property from damage from events that include storms, theft, and fires. A home warranty covers repair costs for parts of your home that eventually breaks down. For example, if a fallen tree damages your roof, it's typically covered by insurance, not the warranty.

Does Geico offer homeowners insurance?

Because auto insurance is Geico's focus and where they invest the most in advertising, many people know the company only as a car insurance provider. On the contrary, Geico does offer a range homeowners' insurance policies that cover dwellings, personal property, and personal liability, among other provisions.

How long does homeowners warranty insurance last?

Home warranties vary based on the provider of the coverage, but most home warranties last for one year. Once they run out, homeowners have the option of renewing the warranty or letting it lapse. If a covered item breaks down after the warranty period is over, repair costs won't be reimbursed.

Does homeowners insurance cover water heaters?

Homeowners' insurance doesn't cover water heaters when they break down from normal wear and tear. An insurance policy may cover water damage to your home and property if it malfunctions, and if the water heater is damaged by a fire or an accident, home insurance may provide the costs to replace it.

Are RVs covered under homeowners insurance?

Usually, an RV is covered under your homeowners' insurance, but that coverage will probably be subject to several exceptions and contingencies. For example, if you want to drive your RV, you'll either need car insurance or specialized RV insurance since the risks you'll face on the road do not fall under a homeowner's policy.

Do new buyers need owner\'s title insurance on a new home?

There are unique risks that a buyer of a new home may face. For example, property claims from previous owners or liens from suppliers whom the homebuilders never paid during construction. Title insurance protects the home from these perils, and your mortgage lender may require it.

Do owner builders need home warranty insurance?

In the United States, owner builders are not required to have home warranty insurance. If you're the one who built your home, you're expected to incur the costs of repairs yourself if a structure or appliance breaks down.

Are dogs deaths covered in homeowners insurance?

Usually, the loss of a dog or other pet is not covered by your home insurance. However, many insurance providers offer riders — packages of added coverage — for pets called pet insurance. This ensures that medical costs and property damage caused by your pets are fully covered.

Are earthquakes covered in standard homeowners insurance policies?

Standard homeowners' insurance policies do not cover damage directly caused by earthquakes. Insurance will sometimes cover indirect damage, however. For example, if an earthquake causes a fire in your home, damage from the fire will be covered under a standard home insurance policy.

Are homeowners insurance and car insurance deductible?

Homeowners' insurance and car insurance premiums are not deductible as personal expenses on your taxes. However, some percentage of your premiums may be deductible as business expenses if you own a business and use your car and home for business purposes. This may vary between states.

Are homeowners insurance payouts taxable income?

If you file a claim after a burglary at your home, for example, the insurance company will assess the value of the property lost or damaged and reimburse that amount. This payout is not taxable because it's not income — it's a replacement of lost value.

How frequent should one change auto or homeowners insurance to another provider?  

If you find home and auto insurance policies that you're happy with, you may never want to switch. However, various providers offer different combinations of coverage and price, so you may want to assess all your options every few years.

What should a homeowners insurance include/cover?

A homeowners' insurance policy should cover the dwelling, personal property inside and some outside, other structures on the property, and liability. For example, it should cover medical bills if a guest sustains an injury. Not all of these coverages are included in every policy.

How much homeowners insurance should someone carry?

How much insurance you need depends on the size of your home, its age, and other unique factors. Standard insurance policies cover around 70% of the total value of your home and additional covered property. Most policies that offer premises liability include $100,000 in liability coverage.

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