Home Insurance
Homeowners, renters, condo and landlord cover that rebuilds your house, replaces your belongings and defends your savings if someone is injured on your property.
38%
Rebuild cost gap found in reviews
14%
Average bundle saving with auto
20+
Carriers we compare
97.4%
Claims settled with our advocacy
Cover that fits your life, explained properly
Your home is almost certainly the largest single asset your family owns, and standard mortgage protection does not cover the contents, the liability or the cost of living somewhere else while repairs happen. A good homeowners policy does all four at once. Family Cover compares dwelling, personal property, liability and additional living expense limits across more than twenty carriers so you are not quietly under-insured by a policy written five years ago for a house that has since had a new kitchen and a finished basement.
The most common mistake we find during a review is a dwelling limit based on market value rather than rebuild cost. Those are two completely different numbers, and in a high-inflation building market the gap can be tens of thousands of dollars. We calculate replacement cost using local labour rates, your home's construction type and current material prices, then we add inflation guard so the limit rises automatically between reviews.
Home insurance is also where bundling pays most. Placing home and auto together typically removes 12–18% from the combined premium, and it means one renewal date, one deductible conversation and one person to call when a tree comes through the roof at two in the morning.
What your home insurance policy covers
A summary of what a well-built policy includes. Exact limits, sub-limits and endorsements are set out in your written quote and in the carrier's policy wording.
Dwelling & other structures
Rebuild of the house itself plus detached garages, fences, sheds and decks after fire, wind, hail, lightning, vandalism or similar covered events.
Personal property
Furniture, electronics, clothing and appliances replaced at actual cash value or full replacement cost — including items stolen from your car or luggage while travelling.
Personal liability
Legal defence and damages if a guest is injured on your property, or if your dog bites a neighbour, up to limits of $100,000 to $500,000.
Additional living expenses
Hotel, meals, storage and pet boarding while your home is uninhabitable after a covered loss, usually 20–30% of the dwelling limit.
Water backup & sump overflow
An inexpensive endorsement that covers basement flooding from a backed-up sewer or failed sump pump — the number one Minnesota claim we handle.
Scheduled valuables
Separate agreed-value cover for jewellery, watches, fine art, musical instruments and collectibles that exceed standard sub-limits.
Identity restoration
Case management, lost wages and legal fees if a family member's identity is stolen.
Loss assessment
Your share of a condominium or HOA assessment after damage to shared buildings or common areas.
Common exclusions worth knowing about
Most denied claims fail because of an exclusion the policyholder never read. These are the ones that matter most on home insurance policies.
- Flooding from rising surface water or storm surge — this requires a separate flood policy, which we can quote alongside your homeowners cover.
- Earth movement such as earthquakes, sinkholes and landslides, unless a specific endorsement is added.
- Gradual damage from long-term neglect, wear and tear, mould caused by unresolved damp, or pest and rodent infestation.
- Business inventory and equipment used for work from home beyond a small sub-limit (typically $2,500 on premises).
- Intentional loss, illegal activity, or damage arising from a property left vacant for more than 30–60 days.
How we prevent surprises
- We walk you through the exclusions before you buy, not after a claim.
- We add endorsements where a gap can be closed for a few dollars a month.
- You receive the full policy wording and declarations page by email on day one.
- Your claims advocate reviews any settlement offer with you before you accept it.
Request your home insurance quote
Takes under two minutes. An advisor replies within one business day with a written comparison.
Secure form. We never sell your details.
Typical home cover levels we build
Every family and business is different. These levels show the shape of what we build; your quote is tailored and priced from your own details.
Essential
- Dwelling cover to rebuild cost
- Personal property — actual cash value
- $100,000 personal liability
- $1,000 deductible
- Water backup endorsement
- Replacement cost contents
- Scheduled valuables
Family Plus
- Dwelling + 25% extended cost
- Personal property — replacement cost
- $300,000 personal liability
- $500 deductible
- Water backup & sump overflow
- 30% additional living expense
- Scheduled valuables up to $10,000
Premier
- Guaranteed replacement cost
- Personal property — replacement cost, no depreciation
- $500,000 liability + umbrella option
- $250 deductible, waived for total loss
- Water backup, equipment breakdown
- Scheduled valuables up to $50,000
- Cash-out settlement & identity restoration
Indicative monthly figures for a 2,000 sq ft Minneapolis home. Your written quote reflects your actual rebuild cost, claims history and credit-based insurance score.
Home Insurance FAQs
Straight answers to the things people ask us most about home insurance.
Protect the rest of your world too
Two or more policies with one advisor means one renewal date, one claims number and typically 12–18% less in total premium.