Home Insurance
Minnesota homes take a beating. Between ice dams in January and hail in May, the list of things that can go wrong is longer than most homeowners expect. Get coverage that actually handles it — backed by Farmers Insurance.
What Makes Minnesota Home Insurance Different
Minnesota's housing stock runs the full range — craftsman homes from the early 1900s, mid-century builds, newer construction in outer suburbs, converted farmhouses, lake homes used as primaries. Coverage needs shift depending on the age of the home, how it was built, and where it sits.
The weather creates real exposure that doesn't exist in most other states. Ice damming generates hundreds of claims each winter across the metro. Sump pump failures during heavy spring rains are common enough that most agents recommend the endorsement without being asked — but many policies get written without it. A policy review often turns up gaps the homeowner didn't know were there.
For a full overview of the coverage we offer, see our services page.
What Your Home Insurance Should Cover
A well-structured homeowners policy goes beyond just the structure. Here's what Farmers-backed coverage through Bradley Hansen Agency can include.
Dwelling Coverage
Rebuilds or repairs the structure of your home after a covered loss — fire, storm, wind, or hail.
Personal Property
Covers furniture, electronics, clothing, and valuables if damaged, stolen, or destroyed.
Liability Protection
Covers legal and medical costs if someone is injured on your property.
Additional Living Expenses
Pays for temporary housing and meals if your home is uninhabitable after a covered claim.
Other Structures
Covers detached garages, fences, sheds, and other structures on your property.
Declining Deductible
A Farmers-specific benefit — your deductible decreases each claim-free year.
Sump Pump / Water Backup
An important add-on for Minnesota homeowners — covers damage from sump pump failure or water backup through drains.
Is your replacement cost limit keeping up with what it would actually cost to rebuild today?
The Claims Minnesota Homeowners Actually File
Ice dams form when heat escapes through a roof, melts snow at the ridge, and refreezes at the eaves. Water backs up under shingles and into the structure. Coverage depends on how the damage happened and how it's documented — not all ice dam damage is treated the same way by a policy, which is worth knowing before a claim, not after.
Sump pump failure during spring snowmelt and heavy rain events is a frequent source of claims. Standard policies exclude water backup damage unless you add the endorsement. It's low cost relative to what a finished basement claim can run, and it comes up in nearly every policy review as something people wish they'd had.
Hail damage to roofs and siding is significant in the metro. Granule loss from a storm that gets ignored for a season can progress to the point where a repair turns into a full replacement. Replacement cost coverage that reflects actual current construction prices matters more now than it did a few years ago.
Why Minnesota Homeowners Work With Bradley
As a Farmers PRIME-designated agentsince 2019, Bradley has reviewed hundreds of home policies across the southwest metro. He finds the same gaps repeatedly — water backup coverage missing, replacement cost limits that haven't kept up with construction costs, detached structure coverage that doesn't match the actual footprint.
The agency has earned 175+ five-star reviews from local homeowners who want to reach a real person when something goes wrong — not wait on hold with a national claims line.
Home Insurance Questions from Minnesota Homeowners
What does standard home insurance not cover?
Standard homeowners policies typically exclude flood, earthquake, and sewer or drain backup. Flood is a separate policy through the National Flood Insurance Program or private carriers. Water backup is the one that surprises people most — it requires its own endorsement, and many policies get written without it. Bradley reviews your policy for those gaps specifically.
How is replacement cost different from actual cash value?
Actual cash value pays what your home is worth today, factoring in depreciation. Replacement cost pays what it would cost to rebuild using comparable materials at current prices — which, given where construction costs are, is a meaningful difference. For most homeowners, replacement cost coverage is worth the higher premium.
What is the sump pump or water backup endorsement?
It covers damage caused by sump pump failure or water backing up through drains and sewers. Standard policies exclude this. In Minnesota, where spring snowmelt and heavy rain can overwhelm drainage systems, it comes up in nearly every policy review Bradley does. It's a relatively inexpensive add-on relative to the claim risk.
How often should I review my home insurance limits?
Once a year is a reasonable baseline, and any time you renovate or add to your home. Construction costs in Minnesota have risen substantially — a coverage limit set a few years ago may now leave you underinsured after a total loss. Bradley does policy reviews without any obligation to change carriers.
Can I bundle home and auto insurance to save money?
Yes. Bundling home and auto through the same agency typically qualifies for a multi-policy discount. Bradley runs both quotes at the same time so you can see the combined rate before deciding.
Our home insurance services are available throughout Minnesota, including:
Shakopee, MN, Minneapolis, MN, St. Paul, MN, South Metro, MN, Eden Prairie, MN, Burnsville, MN, Minnetonka, MN, Chaska, MN, Prior Lake, MN, Savage, MN, Jordan, MN, Belle Plaine, MN, Carver, MN, and many more.
Get a Quote TodayTalk to Bradley About Your Home Coverage
Whether you're buying a home, renovating, or just haven't reviewed your policy in a few years — it's worth a call.
Southwest Metro · Minnesota · Farmers Insurance Agency