Homeowners Insurance Quotes

One of your most important assets is your home. Buying one is also is the most expensive decision you will ever make. Protecting it with the correct coverages is often times overlooked because people are shopping for insurance purely on price. Then at the time of a loss, they discover that coverages were not what they thought. At the time of rebuilding, they don't have enough to get them back to pre loss status.

We customize your insurance plan to give you the best value.

At Solheim Agency we are experts at putting together the best value to protect you in any time of loss. It is not always price that insurance should be based on. You wouldn't buy a car without air conditioning, cruise control and the other features. When it comes to insurance, will you buy a stripped down product purely on price and be content only on the premium?

In our tough economic times, insurance is not the place to try cut costs because a loss can effect you for the rest of your life. There are short term ways to cut costs and still get the coverage you need. For example, simply raise your deductible. Sure your out of pocket is a little more, but in a total loss your coverage is there when you need it.

Minnesota Home Insurance

                                                     Get your Minnesota homeowners insurance quote started today!

There are many risks you face as a homeowner, let us help you determine what to plan for.

Your home is vulnerable to a loss in many different ways. Everyone thinks about wind, hail, tornadoes and floods as threats to their home. But, not everyone considers a burst pipe, a tree falling down or a stranger slipping on your front step during a Minnesota snowstorm.

Many things can happen to a Minnesota homeowner:

• Pipes can freeze
• Garage doors can get frozen shut
• Trees can break and cause damage to power lines or structure of the home
• Power loss (spoiled food, damage to appliances)
• Condensation damage
• Flood damage
• Fire and smoke damage
• Repairs to foundation

We offer additional coverages for our Minnesota homeowners

Policy Within a Policy

Our optional coverages are so important and at a very reasonable cost to protect you.

• Jewelry - mysterious disappearance, loss of stones, dropped in the lake, we will replace it at appraised cost with no deducible.
• Guns - if they are stolen, we have a national database that will track any activity associated to that serial number and will reimburse the insured for the stated value of that particular firearm.

Specialty Homeowners Coverage
Having trouble finding a carrier to cover your home? We offer coverage through Foremost Insurance that can give you the coverage you need to satisfy your mortgage company.

Flood Insurance
In most instances, your homeowners policy will not cover flood damage. For more information about protecting your home from a flood, please give us a call.

As a homeowner insurance client with our agency we may be able to offer you some discounts, if available. Combining car insurance with a homeowners policy could save you a little bit of money.

Here are a few things to think about when it comes to homeowners insurance:

• What material is your home made of? Brick, siding, concrete, stucco
• Are you thinking about putting an addition on your home? New garage? Second story?
• Adding a wood burning fireplace?
• Are you planning to move in the next year or so?
• Purchasing a vacation home?
• Are tree roots growing into your pipes? Will they need to be replaced?
• When did you replace your roof last?
• What year was your home constructed?
• Thinking of going green? Adding solar panels? Gray water system? Better windows?

Thinking of going green and / or saving some money at home?

Here are some simple and inexpensive tips:

• Change your light bulbs to the compact fluorescent light bulbs (CFL's). They last for up to 7 years and require less electricity than regular bulbs!
• Caulk your windows to make sure no cold air is coming in. Add thick curtains as well.
• Put on a sweater instead of turning up the heat. Put a few more blankets on your bed.
• Use less water. Put an aerator on faucets and cut your water consumption up to 50%

Local agents ready to serve the local community

We are very active in our local community. We give back in many ways like volunteering our time and spending time where our expertise is beneficial. To find out more about how we are giving back to Fergus Falls and surrounding areas, visit our Community Activities page.

To have us provide a quote for any of these services, please call us directly at (218) 736-5697 or you can use the online quote request form and we will get right back with you.