Homeowners Insurance
Your Home Is Your Biggest Investment — Protect It
Whether you own a home in Braham, a cabin near one of Minnesota's lakes, or a rural property, your homeowners policy is the foundation of your financial security. Central Insurance Services shops multiple A-rated carriers to find the right coverage at the right price.
Minnesota homeowners face unique risks — from severe winter storms and ice dams to spring hail and summer wind damage. We make sure your policy reflects the realities of where you live.
What's Typically Covered
- Dwelling coverage — repairs or rebuilds your home's structure
- Personal property — furniture, electronics, clothing, and belongings
- Liability protection — if someone is injured on your property
- Loss of use — pays for temporary housing while your home is repaired
- Additional living expenses — hotel, meals, and related costs
- Flood & earthquake options — available as add-on riders or separate policies