Homeowners InsuranceWhether you're buying your first home or looking for a better value for the home you've owned for years - and whether Home Sweet Home is a rambler in town, a split level in a subdivision, a mobile home in the woods, a townhome uptown or a log cabin on a lake, we can help you customize insurance to fit your needs and protect your investment. To give you the best value, we look to bundle your home insurance with Auto insurance whenever possible.
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What will my policy cover?Based on standard HO3 policy. Review your deductible. Please read our important disclosures.
How much will it cost?We look forward to connecting with you so that we can put together a personalized proposal to insure your home. But let's get real! You'd probably like some idea of what you're in for before you pick up the phone and call us, right? There are a lot of factors that affect your insurance rates, but we thought it would be helpful to share what some of our other clients are paying. Rest assured; we've kept things vague to safeguard client confidentiality and privacy. Click on any header for more details:
vintage rambler: $43 per month
This couple in their late 20s bought their first home in town for around $75,000, with an estimated replacement cost around $125,000. Their home was built over one hundred years ago but had enough updates to qualify for a good rate when we bundled it with their Auto insurance with The IMT Group. nice lake home: $127 per month
This couple in their 30s enjoy their lake home approximately 15 miles north of town. Their home is around fifteen years old and worth around $250,000. While being this far from the fire department makes insurance rates higher, we were able to get them a reasonable premium for a packaged Homeowners policy with Itasca Mutual and Ram Mutual. comfortable & convenient: $61 per month
This middle-aged couple own a 25-year-old home worth around $125,000 but estimated to cost over $200,000 to rebuild. They’re located close enough to the fire department in town to get a discounted rate. We also saved them money by bundling their Homeowners and Auto insurance with The IMT Group. family cabin: $109 per month
This couple in their early forties recently built their family home on the water a couple years ago for around $450,000. Their rates are higher since they are over five miles from the fire department but they do appreciate the new home discount. They also saved when we bundled their Home and Auto with Travelers. value starter: $64 per month
This client in his twenties bought his first home in town for under $70,000. It is an older home but it is estimated that it would cost around $150,000 to rebuild. We placed his Homeowners insurance with State Auto. big house in the woods: $177 per month
This couple in their 60s enjoys their beautiful, quality-built home outside of Bemidji. It’s over five miles from the fire department and has an estimated replacement cost around $450,000, but they were happy with the value and extra coverage features provided by the Home & Auto bundle we wrote with Nationwide. room to grow: $88 per month
This young couple in their twenties bought a newer double wide just outside of town for their first home for around $100,000. Their property also featured a nice big garage, which cost extra to insure, but they’re happy to have both buildings insured for replacement cost. We saved them money by bundling their home and vehicles with Itasca Mutual and Ram Mutual. cozy retirement: $79 per month
This couple in their 60s recently retired and moved to the area and purchased a fifty year old home for around $150,000. They’re slightly over five miles from the fire department, which makes insurance rates somewhat higher, but they appreciate the discounts they receive by bundling their Homeowners and Auto insurance together with Travelers. Learn more: How are insurance rates set?
These premium examples are based on actual home policies purchased or renewed with us in 2017. Taken together, these examples reflect the general range in home insurance rates paid by the majority of our clients. But there are many factors that affect insurance rates; so do not expect your premium to necessarily match any particular example above. Values, distances and ages are generalized or rounded to safeguard client anonymity. Rates above don't include installment fees or the cost of the bundled Auto insurance premium.
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Homeowners Insurance TopicsFrom our blog
About getting insured Shopping for a home Closing on your home Different ways to buy insurance Customizing your insurance coverage How insurance rates are set Is it cheaper to buy online? About mortgage escrow accounts How insurance agents get paid Moving out of your home Insuring different types of homes Older homes Cabins Manufactured homes Townhomes & condos New home construction Log homes Risks that could be harder to insure Dog breeds Wood stoves and fireplaces Outdoor wood boilers Trampolines Special coverage needs Cohabitating Home-based businesses Engagement Rings Docks and boat lifts Additional land that you own Firearms Outdoor hot tubs Home-use tractors Your home protection How broad is your property coverage? Will your policy pay replacement cost? Insuring for more than market value How well is your roof insured? Coverage for water damage Understanding Water Backup coverage Roof cave-ins from heavy snow Preventing ice dam damage Common types of Homeowners claims Can it hurt to file a claim? If a storm brings down trees What to do after storm damage Carrier options Why IMT's GEM policy is better Packaging with a township mutual carrier |
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