Home Insurance in Minnesota

We provide full home insurance coverage to protect your Minnesota residential property. Get basic policy coverage for your dwelling, property structures, and personal property, and review optional protections with us as well. Safeguard your property with a customized policy from Kriener Insurance in Woodbury, MN.

Coverage A — Your Dwelling

Repairing or replacing your home in case of damage or destruction is the primary purpose of home insurance. In Minnesota, your coverage will be equal to at least 80 percent of your home's value. It may not exceed the total value. However, you may want to consider adding a clause to compensate for inflation. Talk to our agents about this additional coverage.

Coverage B — Additional Structures

You may have other construction on your property that you'd also like to protect. We can insure your shed, gazebo, greenhouse, pavilion, or other outdoor structures. Typically, this coverage is tied to your house coverage amount — at 10 percent. But you can speak with our agents about any special circumstances that may impact the value.

Coverage C — Personal Property Protections

Your home insurance also covers the items inside your home. Commonly, 50 percent of your dwelling coverage amount is sufficient to replace furniture, clothing, appliances, and other standard items. Be sure to let our agents know if you possess valuable items. You can add extra protection for jewelry, artworks, furs, rare collections, and antiques. You may want to obtain a floater.

Coverage D — Loss of Dwelling Use

If your home does suffer damage in the future, you may need to stay somewhere else while it's being repaired or replaced. The living expenses part of your policy helps offset the cost. The standard cost of living applies.

Liability Coverage and Umbrella Policies

You get standard liability coverage with your home insurance policy. That gives you protection for injuries and property damage. But you may wish to extend that to personal injury claims. At Kriener Insurance, we can help you determine the amount you need with an umbrella policy.

Get a home insurance quote today for your Woodbury, MN residence. Use our online tool or give us a call to discuss your policy needs.