Coverage
Homeowners Insurance
Homeowners policies typically combine dwelling and other-structures coverage, personal property, loss of use, and personal liability. We compare carriers so your rebuild cost, deductibles, and endorsements actually match your home.
What a policy usually includes
- Dwelling and other structures
- Personal property and scheduled valuables
- Loss of use / additional living expense
- Personal liability and medical payments
- Water backup, service line, and equipment breakdown endorsements
What to watch for
- Minnesota and Wisconsin hail and wind losses often carry separate percentage deductibles.
- Replacement cost vs. actual cash value on roofs varies widely between carriers.
- Home-based businesses and rentals usually need a separate or endorsed policy.
Related coverage
Kriener Insurance is a licensed insurance agency. Coverage descriptions on this site are general summaries for information only and do not amend, extend, or alter any policy. Coverage, terms, discounts, and availability vary by carrier, state, and applicant, and are subject to underwriting approval. Only the issued policy determines what is covered. Submitting a request does not bind, alter, or cancel coverage.
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