Homeowners Insurance

Home Insurance in St. Michael, MN and Surrounding Areas

Protecting Homeowners in St. Michael and Albertville, MN

Home ownership can be risky.  Fires, theft, injuries, and water damage can all cause havoc on a home and its inhabitants, and as a result some form of protection is needed.  Insurance provides that protection and at Zachman Insurance Agency we have an all-encompassing home insurance program that keeps any homeowner secure for the right price.  We tailor the packages that we develop through this program to the needs of individual homeowners and ultimately these homeowners get the best value.  

Coverage tailored to you

Home insurance coverage ranges from general to very specific.  Structure coverage and property coverage are general and are very common.  Special-item coverage and personal umbrella coverage are more specific and are far less common.  Every homeowner needs an appropriate blend of coverages to have an effective policy, and at Zachman Insurance we make sure that each client has this blend.  As a result, our clients do not have gaps in protection and never have to worry about unexpectedly high out-of-pocket costs. 

As an independent agency we work with different insurance carriers, and doing so provides us with a diverse and expansive group of coverage options.  These options include:

• Property Insurance
• Homeowners Liability
• Renters Insurance
• Condo Insurance
• Mobile Home Insurance
• Scheduled Property Insurance
• Landlords Insurance
• In-Home Business Insurance

Selecting homeowners coverages can be difficult no matter who is making the selections.  Rates, limits, deductibles, and goals are all considerations that home insurance policyholders must have when choosing their coverages, and at Zachman Insurance we consider them all.  The result is that our clients get optimal policies, so let us help you find the coverages you need and give you the best deal.  This involves helping you take advantage of benefits and discounts that are exclusive to your insurance plan, including discounts for combining home insurance with auto insurance.  If you’d like to learn more about how to make this combination, see our home & auto page. 

Why Home Insurance?

We’ve insured homeowners for decades and are local, so we know how to create optimal solutions.  We understand markets and demands in East-central Minnesota and stay current on trends that affect coverages.  As a result, we deliver the best solutions and we diver these solutions expeditiously. 

We also provide services that keep clients informed and help clients make the most of their insurance investments.  These services include risk and claims management, which involves reducing exposures and advocating for clients.  Together, these efforts minimize client costs and help clients achieve suitable resolutions if and when claims are filed. 

To learn more, please contact us or give us a call.  You can also request a quote to find out some of the details of a policy. 

Zachman Insurance Agency is proud to provide home insurance in St. Michael, Albertville, Otsego, Monticello, Rogers, and Maple Grove, MN.  We also serve other areas in the state.

Common Homeowners Insurance Questions:  

What is home insurance?  
Your home represents one of the most important and expensive investments that you will ever make. That value alone is worth protecting, and homeowners insurance will help you do so.  

You never know when a hazardous event—a house fire, break in, severe storm—might occur in your home, cause damage and put you in a very tricky situation. You will want to make the necessary repairs to your property without a huge financial strain, however. Homeowners insurance will pay your recovery costs on your behalf. That way, you can rest assured that you will be able to move on from life’s challenges without costing yourself an arm and a leg.  

What does home insurance cover?  
Homeowners insurance policies offer a diversity of benefits, each designed to offer targeted protection for a diversity of unexpected, unavoidable issues. These include:  

• Structure protection: This insures your house in the event of damage from fires, weather, theft, vandalism or other hazards.

• Detached structures coverage: Other buildings on your property – such as fences, carports, gazebos and detached garages - will have coverage.

• Possessions insurance: This pays for damaged belongings. Protection might cover everything from furniture to food in the pantry and computer systems.

• Liability coverage: If you accidentally harm someone else or damage their property, you can use this coverage to repay them. Coverage will often pay for incidents both on and off your property.

• Additional living expense protection: Do you need to move out temporarily after household damage? Let this coverage reimburse you for expenses like dining or hotel bills.

Plus, because your home is unique, you can further tailor your benefits with more unique options like:  

We will always customize your plan to your advantage by helping you tailor your deductibles and overall coverage limits.  

How much home insurance do I have to buy?  
Most mortgage lenders require homebuyers to purchase homeowners insurance before they will approve loan applications. Generally, they will require you to obtain at least enough dwelling coverage for your home’s replacement cost value.  

Regardless of any coverage requirement, however, you should always carry this benefit as part of your comprehensive personal insurance package.  

What does home insurance cost?  
Multiple factors could influence the cost of your home insurance, including:  

Our agents are committed to helping clients get the customized policies that are perfect for them. That’s why we’ll work one-to-one with you to determine the best ways to get your home the coverage it deserves, but at prices you can afford.