St. Louis Park Homeowners Insurance

St. Louis Park, MN, is home to skating, sports, and trail hiking. This adventure-seeking town of 49,029 has numerous outdoor spaces and parks galore.

When you own a home in this city, you'll need the best protection you can get. An independent insurance agent can help with coverage and rates. Connect with a local expert to start saving today. 

Ways to Save on Your St. Louis Park, MN, Home Insurance

There are various things you can do to lower your insurance rates. Carriers will determine premiums based on numerous factors. Check with an independent agent on ways you can start saving. Let's look at the average homeowners premium:

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

While the carriers set the price, there are things you have control over. An agent helps you discover items you can improve. Here are some they may recommend first:

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

Other ways to cut costs is by bundling your home and auto insurance. When you put your policies with the same carrier, you save big. Companies will award a 30% discount or more in most cases. Get with a St. Louis Park independent agent to discuss further. 

Will Your St. Louis Park, MN, Home Insurance Cover Natural Disasters?

If you're trying to obtain home insurance online or by yourself, you could be missing key coverages. Some of the most common occurrences in MN need to have insurance. The best route is to review your policy with a licensed professional. Take a peek at the top catastrophes in St. Louis Park, 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

Contrary to popular belief, your home insurance policy will not cover flood damage. When you have a water loss due to a flood, you'll be out thousands of dollars without flood insurance. Speak with an independent agent for quotes.  

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Does Your St. Louis Park, MN, Home Have Coverage for a Burglary?

When you're a burglary victim, the last thing you want to think about is if you have enough coverage. The right home insurance policy will cover your stolen items and medical expenses. An independent agent can review your policy to make sure you're protected. In the meantime, take a look at the burglaries per 100,000 households below:

• National average: 376.0
• Minnesota average: 288.4
• St. Louis Park average: 239.9

A break-in can happen to anyone at any time. To make sure you have coverage for a loss, speak with a professional. Whether you own a mobile home or a million-dollar property, an independent agent can help.

Does Your St. Louis Park, MN, Home Have Enough Liability Coverage?

When you have a loss, liability insurance is usually one of the first coverages accessed. Due to the litigious nature of a claim, you'll need coverage against a lawsuit. This can arise from bodily injury loss or property damage to another party. 

If your limits are too low, you could have a large out-of-pocket expense. Umbrella insurance can help protect against a more substantial claim. When your underlying policy has been exhausted, umbrella insurance will kick in. Discuss more ways to protect your home with a local independent agent. 

How to Work with a St. Louis Park, MN, Independent Agent

When you work with an independent insurance agent, you'll get the best coverage at an affordable price. In 2016, Minnesota paid out $897,178,000 in home insurance claims. You'll want protection from all the what-ifs that can occur. 

An independent agent has access to several markets, doing the shopping for you. They can review your coverages to come up with the right plan for your insurance. When you're ready to start saving, connect with one of the local advisers on TrustedChoice.com.