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Home Insurance

Homeowners Insurance Quotes

Home Insurance in Fairmont, MN

Home insurance helps protect your family from financial losses caused by many commons perils, like fire, storms, theft, and other disasters. In addition to the basics, there are many coverage options that might be valuable to include in your policy. Pomerenke Insurance does the heavy lifting by comparing insurance quotes from over 20 top insurance companies, saving you the hassle of comparison shopping. Contact us, request insurance quotes, or stop by our Fairmont, MN office to get started.

What Does Home Insurance Cover?

Homeowners insurance combines several coverage types. It can provide coverage for:

  • Property damage Pays for damages to dwelling and other structures, such as detached garages. Home insurance covers many causes of loss but does exclude specific things, like flood.
  • Personal property loss Pays to replace your personal property, like furniture, appliances, clothes, and more.
  • Personal liability Pays others when you are at fault for bodily injury or property damage. This also has exclusions, so make sure to ask us about any questions you may have.
  • Added living costs Pays for you to rent a hotel or other dwelling in the event your home is uninhabitable due to a covered loss.
  • Medical payments Pays for minor medical bills incurred by guests injured on your property.
  • Jewelry, guns, silver Covers certain classes of high value or collectible property that has underlying limits on a standard homeowners policy.
  • Water & sewer backup Covers damage from water that backs up from your sewer or drains.
  • Libel & slander damages Covers certain costs and damages associated with libeling or slandering another person.
  • Additional coverage There are many optional coverage types that can be added depending on your unique characteristics.

Properties Covered

  • Single Family Homes
  • Condos
  • Multi-Unit Housing
  • Rental Homes
  • Vacation Homes
  • Hobby Farms
  • And more

Home Insurance Discounts

  • Multi-Policy Discount
  • Protective Devices Discount
  • Pay in Full Discount
  • Occupation Discount
  • Education Discount
  • Auto-Pay Discount
  • Loss-Free Discount
  • And more

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