Home Insurance · Minnesota
Your home is likely your largest asset. A standard HO-3 policy does a lot — but the details matter: replacement cost vs. actual cash value, sewer backup, jewelry limits, and wind/hail deductibles can all make a significant difference when you actually need to file a claim.
What's Covered
Your home is likely your largest asset. A standard HO-3 policy does a lot — but the details matter: replacement cost vs. actual cash value, sewer backup, jewelry limits, and wind/hail deductibles can all make a significant difference when you actually need to file a claim.
Pays to rebuild your home after a covered loss — fire, wind, hail, or ice. Coverage should be based on replacement cost, not market value. We help you calculate the right limit so you're not underinsured.
Covers your belongings — furniture, electronics, clothing, appliances — if stolen or damaged. Replacement cost coverage pays what it actually costs to replace items today, not their depreciated value.
Covers you if someone is injured on your property or you accidentally damage someone else's property. Policies start at $100,000 — we typically recommend $300,000 or more for most homeowners.
If your home is uninhabitable after a covered loss, this pays hotel stays and extra living costs while repairs are made. A critical coverage that's easy to overlook during the quoting process.
Covers detached garages, sheds, fences, and outbuildings. Typically 10% of your dwelling limit — we'll make sure the amount is actually sufficient for what you have on your property.
Standard homeowners policies exclude sewer backup — one of the most common and expensive claims in Minnesota. This endorsement is inexpensive and strongly recommended for most homes.
Why Dayton Insurance
We're not tied to one carrier's products. We shop across multiple companies to find the right fit — and stay with you through every renewal.
We work with many of the top A-rated carriers in Minnesota — so we're always looking for your best option, not pushing a single company's product.
You work directly with a licensed Minnesota producer — not a call center — from your first quote through every renewal and every claim.
We tell you what we find, walk you through the options honestly, and let you decide. No fee for a quote, no obligation to switch.
Ready when you are
Fill out the form and we'll get back to you within one business day. Prefer to talk now? Call or text (651) 243-0056.
Common Questions
Replacement cost pays what it actually costs to rebuild or replace — no depreciation deducted. Actual cash value subtracts depreciation, which can leave you thousands short on a claim. Always choose replacement cost if it's available.
No. Standard homeowners policies exclude flood damage. If you're in a flood-prone area, you need separate flood insurance through the NFIP or a private flood carrier. We can help you evaluate whether you need it.
Wind and hail are typically covered perils under Minnesota HO-3 policies. However, your deductible for wind/hail claims may be different from your standard deductible — sometimes a percentage of your dwelling limit. We'll explain yours clearly.
Yes. Renovations increase your home's replacement cost. You should update your dwelling limit after any major project — kitchen remodels, additions, finished basements — to avoid being underinsured at claim time.
