Free Resource · Licensed MN Agent
The Minnesota Home Insurance Checklist
20 points that separate well-covered homeowners from people who find out they had gaps when they file a claim.
Takes 5 minutes. Could save you thousands.
What’s covered:
Dwelling
- ✓Replacement cost coverage (not market value)
- ✓Inflation guard or extended replacement cost rider
- ✓Detached structures covered at 10%+ of dwelling
Personal Property
- ✓Replacement cost value selected (not ACV)
- ✓High-value items scheduled (jewelry, art, firearms)
- ✓Home inventory documented and stored off-site
Liability
- ✓Limit is $300,000 or higher
- ✓Umbrella policy if net worth exceeds liability limit
- ✓Pool, trampoline, or dog disclosed to carrier
MN-Specific Risks
- ✓Sewer/drain backup coverage added
- ✓Ice dam coverage confirmed
- ✓Sump pump failure rider (if finished basement)
Before Renewal
- ✓Compared quotes with at least one other carrier
- ✓Bundling discount verified (home + auto)
- ✓Claims history reviewed for inaccuracies
About Weston Nelson
Licensed insurance agent with American Family Insurance in Fridley, MN. Licensed in 18 states. Reviews hundreds of policies per year and sees the same gaps repeatedly — this checklist is built from that experience.
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