Homeowners insurance in Minnesota covers several things, including your personal liability costs if you get sued by a guest, neighbor, or other third party for claims of bodily injury or personal property damage. Home insurance also covers your home's structure or dwelling and your personal property, like clothing, if it gets damaged, destroyed, vandalized, or stolen. Covered perils include incidents like falling objects, fires, lightning strikes, and more. Additional living expenses such as hotel rooms and takeout meals are also covered by home insurance if your home gets badly damaged and needs extensive repairs, displacing you from your residence. An independent insurance agent can help you find the best plan for you.