---
title: Home Owners Insurance and Policies
description: Find the right home insurance policy for your family. Active Insurance Solutions offers many different options for home owners insurance.
---

# Homeowner Insurance

## from Active Insurance Solutions

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## Homeowner Insurance

**Protect Your Greatest Asset**

If you’re like most people in Minnesota, your home is your greatest asset, so it is important to protect your investment and its contents from loss due to fire, storms, natural disasters, vandalism, and theft.

Home insurance in Minnesota covers your home and your belongings in the event of an unexpected disaster, so you don’t have to pay out of pocket for repairs, renovation, or reconstruction. As well as the dwelling itself, your furnishings, appliances, electronics, clothing, sporting gear, and other personal property are all protected.

At Active Insurance Solutions, we are independent insurance agents with access to more than 20 top insurance carriers to give you a broad selection of home insurance options at the best price. We’re happy to talk with you more about your coverage needs.

**Protection of your residence, personal belongings, and more**

Home insurance also offers other benefits. It provides liability insurance in case someone has an accident or injury on your property and wins a legal judgment against you. You can supplement this with an umbrella policy, which we recommend for people who want more coverage.

If you’re not sure how much home insurance coverage you need, we can help you work that out. Simply take a photo or video inventory of your home with your mobile device and we can make recommendations for you.

Do you have valuables that might require extra protection? We offer additional scheduled coverage for items like:

- Fine art
- Collectibles
- Jewelry
- Furs
- Antiques
- And more

Don’t let your greatest asset go without the proper protection it deserves. If you are a new homeowner or are refinancing your home, your mortgage lender may even require you to carry home insurance – which is always a smart move.

Reach out today for the peace of mind that comes with the right home insurance policy. Call Active Insurance Solutions at 952-479-5877, or use our easy online form to request a quote online.

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## How much will it cost to insure my Home in Minnesota?

Get an instant Minnesota home insurance premium estimate in less than 60 seconds with our online tool!

[Get Instant Estimate](/instant-homeowner-insurance-quote)

## Start Your Quote

(A form appears here on the HTML version of this page.)

What factors impact home insurance rates in Minnesota?

[Home insurance rates can be impacted](/blog/2026/what-factors-impact-home-insurance-rates-in-minnesota) based on your home’s age, size, construction type, and condition, along with location risks like weather and claims history. Your deductible, coverage limits, and credit-based insurance score may also influence pricing.

What does homeowners insurance typically cover and what does it exclude?

A standard policy covers the home structure, personal belongings, liability, and additional living expenses after a covered loss. Common exclusions include floods, earthquakes, normal wear and tear, and certain high-value items beyond set limits.

How is the replacement cost of my home determined?

Replacement cost is calculated using the estimated cost to rebuild your home with similar materials and labor at current prices. It generally does not factor in land value or market price.

Do I need additional coverage for high-value items like jewelry or art?

Standard policies include limited coverage for high-value items. If you own jewelry, art, or collectibles, you may need scheduled coverage to insure them at their full appraised value.

How do deductibles work on a homeowners insurance policy?

A deductible is the amount you pay out of pocket before insurance applies to a covered claim. Higher deductibles usually lower your premium, while lower deductibles increase it.

## Get Your Free Homeowner Insurance Insurance Quote

[Start Here](/homeowner-insurance/quote)

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