When you purchase a home, it’s important to buy homeowners insurance to protect your investment. Some homeowners may have questions about their coverage. If your home is in the Saint Paul, MN, area, our team at Rising Star Insurance can answer your questions and guide your insurance choices. We’ve been working with homeowners like you since 2009.

Common Gaps in Homeowners’ Insurance Coverage

Not all homeowners’ insurance policies are alike. When preparing to purchase a policy, it’s important to ensure it adequately covers your needs. According to the Minnesota Department of Commerce, it’s essential to be aware of common gaps in standard homeowners insurance policies. If coverage for certain items or circumstances is relevant to you, be sure to ask your agent about adding protection for them.

For example, it’s essential to know whether your policy covers sheds or detached structures on your property, as well as whether you need additional protection for a pool or trampoline. Some policies don’t cover wells or sump pumps. Clients who own antiques or jewelry may need to consider a separate policy to cover these valuable items. Additionally, if you operate a business from your home, consider purchasing a commercial policy to cover your business activities.

Call Us Today for Your Appointment

At Rising Star Insurance, we take pride in being a locally owned and operated agency. Each member of our team is committed to delivering exceptional customer service and support. Homeowners in the Saint Paul, MN, area have come to rely on us for trustworthy insurance services. Call us today to schedule an appointment, and let’s work together to protect your investment in your home.