Edina Homeowners Insurance

Your Complete Guide to Edina, MN, Homeowners Insurance

How to find a local expert

Edina Minnesota homeowners insurance

Edina, MN, is known for posh dining and fancy food. This upscale city is the perfect place to own a home. With over 51,958 residents, quality of life is rated high in this town.

When you live in this sophisticated place, you'll want protection. An independent insurance agent can help you find a policy for a fair price. Connect with a local adviser to get started with your search today.

Does Your Edina, MN, Home Have Protection for Burglary?

Your Edina home needs to have coverage for a break-in. The last thing you want to think about during a claim is whether you have enough insurance. An independent agent can help you find a policy that has protection for your property and medical expenses. In the meantime, check out the burglaries per 100,000 households below:

  • National average: 376.00
  • Minnesota average: 288.40
  • Edina average: 192.20

Edina comes in lower than the state and national averages for burglaries, which bodes well for your premiums. Even though your costs may be in line, your coverage still needs to be adequate. An independent agent can help you find the right homeowners insurance for your Edina property.

How to Save Big on Your Edina, MN, Homeowners Insurance

Minnesota is the 14th most expensive place to purchase home insurance in the country. There are things you can do to help lower your rates. An independent agent can help you pinpoint the areas you'll need to work on first. Let's look at the average annual homeowners premium:

  • National average: $1,211
  • Minnesota average: $1,348

When it comes to improving your insurance rates, you'll need the help of a professional. There are specific premium saving techniques your agent may recommend. Below are a few areas you can start with:

  • Improving your credit score
  • Filing fewer insurance claims
  • Updating your roof, electrical, plumbing, or heating

Another thing your adviser may have you do is bundle your home and auto insurance. When you put your policies with the same carrier, you'll save 30% or more on coverage. Talk with an Edina independent agent on more ways to cut costs. 

Is Your Edina, MN, Home Protected from a Catastrophe?

If you're used to DIYing your home insurance, you could be missing important coverages without even knowing it. To get the best policy that protects your property and your family, speak with an independent agent. Take a peek at the top catastrophes in Edina, MN:

  1. Flooding and water damage
  2. Severe storms and lightning damage
  3. Tornadoes
  4. Wildfires and residential fires
  5. Burglary and other property crimes

Your homeowners policy should be written to cover the primary risks above, except for floods. When flooding occurs, your homeowners insurance won't cover the loss. For this type of damage, you'll need separate flood insurance. An Edina independent agent can run quotes through FEMA-approved carriers. 

Is Your Edina, MN, Liability Coverage Enough?

Liability insurance is one of the primary coverages used in your homeowners policy. It will protect the members of your household from a lawsuit. This could arise due to a bodily injury or property damage claim. Your limits need to be adequate if you want insurance to pay the bill. 

Another form of protection is umbrella insurance. It will apply when your underlying home policy limits have been exhausted. Contact an Edina independent agent to review your liability coverage.

Why You Need an Independent Insurance Agent in Edina, MN

In 2016, home insurance claims in Minnesota totaled $897,178,000. That's a lot of losses that needed the right coverage. Fortunately, an independent insurance agent can help you find the best policy at an affordable price. 

An agent can do a full policy evaluation at no cost to you, making sure you're protected. When you're trying to do everything yourself, one of the 525 local advisers can help. Go to trustedchoice.com to be connected with an expert in minutes. 

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TrustedChoice.com Article | Reviewed by Jeffrey Green

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