Property Insurance

Property Insurance in Minnesota

Protection for your most valuable assets to help you feel secure.

Homeowner’s Insurance Coverage

At home, you rely on having a safe, comfortable place to live. When you purchase a home insurance policy, it should contain a clear description of your home’s structure (size, bathrooms, bedrooms and any custom items). This policy should also list excluded events that may not be included in the policy.

Residence Type

Not everyone lives in a stand-alone home. There are many different types of homes, so we will discuss with you what the option is that fits your needs!

  • A Home insurance policy usually covers a home’s entire structure along with sheds and detached garages.
  • A Condo insurance policy usually covers interior structures like drywall and lighting fixtures. Depending on your state & your association by-laws, external walls may not be covered.
  • For Manufactured Homes, the entire structure is typically covered, but sheds and garages often require a separate policy.
  • A Renters insurance policy has no physical structure coverage at all but will cover your personal contents.

With any insurance policy, be sure to ask your insurance agent about certain items that may not be covered such as jewelry, furs and artwork. These require a special endorsement to a homeowner’s policy.

Excluded Events

It is important to understand the events that are not covered by your specific policy for homeowners and offer you options to insure those items. Typically, floods and earthquakes are excluded from basic policies, so if you need supplemental insurance policies for those situations, please ask an agent about this. Other conditions most companies specifically exclude are mold, fungus, wet rot, dry rot and bacteria.

Home Insurance

Your home is the center of your daily life, and likely your most valuable asset. We can help you find the home insurance that will best meet your needs and provide the most valuable combination of tailored coverage, quality service, and fair pricing. Contact us for a free quote over the phone or by email.

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Renters Insurance

Just because you rent a house or apartment, doesn’t mean that you don’t have many items that are important to you! From clothes and furniture to your computer and television, you want to feel confident that everything you own isn’t lost in a fire or other claim. Let Variant Insurance Group find coverage options that cover your valuables in Minnesota with a renter’s insurance policy.

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Condo Insurance

Your condo association will have a master policy that will cover the property, common areas and physical structure of your building. That being said, they do not cover what is inside of your condominium, such as your carpet, your clothes and your furniture!

That’s why you need condo insurance.

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Manufactured Home Insurance

Houses and condos are not the only housing structures that have unique insurance needs. Owners of manufactured homes face insurance claims unique to them. A traditional homeowner’s insurance policy may not fully cover the potential damages Manufactured home owners’ face; that is why we recommend a Manufactured Home Insurance policy for anyone owning a Manufactured or manufactured home.

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Personal Umbrella

A personal umbrella policy covers you when your auto, home or other personal lines insurance policy is exhausted. A personal umbrella policy is a great way to protect yourself from a lawsuit that not only can impact your current assets, but your future earnings as well. Unfortunately, everyone is a target for a lawsuit.

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Secondary Home Insurance

Owning a vacation home is not only a great way to relax, but it can be a great financial investment as well. Be sure to protect it properly by getting the right home insurance policy for your usage. We can help.

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Short Term Rental Insurance

Thinking of renting your home or room as a vacation rental on AirBnB, VRBO or other short-term vacation rental site? Before you do, you’ll want to make sure that you have the proper insurance coverage. Talk to the experts at Variant Insurance Group today about Landlord Protection Insurance, also known as Vacation Rental Insurance. Call for a no-obligation quote today!

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Vacant Property Insurance

Minimize your risk when you own a commercial property that is vacant. By contacting Variant Insurance Group in St. Louis Park, MN, you ensure that you’re going to get the widest range of coverage options for your vacant commercial property. We’re committed to our commercial property owners and have years of insurance experience insuring these unique properties.

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Landlord Protection Insurance

If you own a rental property such as a home, condo or duplex, you face unique risks from financial loss. Not only is the property you own at risk from damage, but you personally face risks associated with having a tenant. A Landlord Insurance Policy can help protect all of your risks from rental property by insuring the property itself as well as providing you with broad liability coverage and additional coverage such as a wrongful conviction or unlawful entry.

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