Affordable Homeowners Insurance in Edina, MN

Homeowners insurance costs vary based on your home's age, size, location, and coverage level. MN homeowners often pay higher-than-average premiums due to severe weather risks like hail, ice dams, and heavy snow. As an independent agent, we shop multiple carriers to find the most competitive rate for your specific home. Call 651-243-0056 for a free quote.

A standard Minnesota homeowners policy covers your home's structure (dwelling), your personal belongings, liability if someone is injured on your property, and additional living expenses if your home is uninhabitable. It typically covers damage from fire, wind, hail, lightning, theft, and vandalism. We'll walk you through exactly what's covered — and what's not.

Standard homeowners insurance does NOT cover flood damage from rising water. However, it typically covers sudden and accidental water damage from burst pipes or roof leaks. We strongly recommend adding Water Backup & Sump Pump coverage — especially important for Twin Cities homeowners. Separate flood insurance is available through the NFIP if you're in a flood zone.

Standard homeowners policies have sub-limits for valuables like jewelry (often $1,500–$2,500), fine art, furs, and collectibles. If you have items worth more than these limits, you'll want a scheduled personal property endorsement — which provides agreed-value coverage with no depreciation. We'll review what you have and make sure nothing important is underinsured.

We strongly recommend it. Standard policies include $100,000 in liability coverage, but we typically suggest $300,000 or more — especially for homeowners with significant assets. An umbrella policy can add $1 million or more in liability protection at a surprisingly low annual cost. We'll help you find the right level for your situation.

Buying directly from one insurance company means seeing only one set of rates and coverage options. Dayton Insurance Agency shops multiple top carriers on your behalf — so you're far more likely to find better coverage at a lower price. And when you need to file a claim, you have a real local person in Saint Paul to call, not a 1-800 number.