What Does Homeowners Insurance Cover in Minnesota?

Introduction

Understanding what your homeowners insurance covers is essential for knowing what protection you have and what you might need additional coverage for.

Standard Homeowners Insurance Coverage

Most homeowners insurance policies in Minnesota include several types of coverage:

Dwelling Coverage

Protects the structure of your home, including walls, roof, and built-in appliances, from covered perils like fire, wind, hail, and theft.

Personal Property Coverage

Covers your belongings inside your home, such as furniture, electronics, and clothing, from covered perils.

Liability Coverage

Protects you if someone is injured on your property or if you accidentally damage someone else's property.

Additional Living Expenses

Covers the cost of temporary housing if your home becomes uninhabitable due to a covered loss.

What's Typically Covered

Most policies cover damage from:

• Fire and smoke
• Wind and hail
• Theft and vandalism
• Falling objects
• Weight of ice, snow, or sleet
• Water damage from burst pipes (not floods)

What's Typically Not Covered

Standard policies typically exclude:

• Floods (requires separate flood insurance)
• Earthquakes
• Normal wear and tear
• Intentional damage
• Damage from pests

Understanding Your Policy

It's important to review your specific policy to understand exactly what's covered and what's excluded. Coverage can vary between policies and insurers.

Key Takeaways

• Standard coverage includes dwelling, personal property, and liability
• Most policies cover fire, wind, hail, and theft
• Floods and earthquakes typically require separate coverage
• Review your policy to understand specific coverages

Next Steps

If you have questions about what your homeowners insurance covers, review your policy documents or consult with your insurance agent.