For most people, their home is their biggest investment, and protecting that investment means securing insurance to defray the costs of unexpected events that cause expensive damage. Home insurance is designed to defray the costs of repair and restoration for your home in case of weather damage or other incidents. At Davis Insurance Agency in Fridley, MN, we can provide detailed advice on coverage for your home.

Homes can be damaged by many unexpected incidents, such as fire, wind damage, broken pipes, theft, vandalism, lightning, falling objects, or heavy snow. These repairs can easily run into thousands of dollars. Home insurance helps to defray these costs, so unexpected repairs don’t deplete your savings. In addition, insurance provides liability coverage in case someone is hurt on your property. Because these expenses can seriously impact your finances, having the right insurance can help to protect your financial stability.

You can acquire coverage at a variety of different levels. You can choose basic insurance, extended insurance or comprehensive insurance. A basic home insurance policy will cover many common risks. Extended coverage will cover additional risks that may be of concern because of your location or other factors. Comprehensive coverage covers many different types of risk that may occur, with fewer exclusions. In addition, you may choose cash value reimbursement, replacement cost coverage or guaranteed coverage. Each type of coverage will affect the price of your premium. Your insurance agent can help you to determine the right coverage for your needs.

Our experienced agents can answer your questions about home insurance and provide detailed information about the different types of coverage. We offer a broad range of insurance products for clients, including auto, life and business policies. Call Davis Insurance Agency Inc., located in Fridley, MN, today for a free, no-obligation quote on home insurance to protect your family finances against expensive losses.