Homeowners Insurance

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Homeowners Insurance in Woodbury, MNHomeowners Insurance in St. Paul, MN

Homeowners insurance provides protection for the financial consequences of damage to or theft of your home, other structures, and personal property. In addition, it covers damage or injury that you or a family member cause to another party. There are several optional coverages available as well. We’ll help you figure out what coverage you need and find the best rates from over 20 top insurance companies.

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Homeowners Insurance Coverage

Personal Liability

Covers bodily injury or property damage that you or a family member cause to another party.


Covers damage to your home and attached structures.

Other Structures

Covers damage to other structures on your property that aren’t attached to your home.

Loss of Use

Covers the cost of alternative living arrangements, if your home is unusable due to a covered loss.

Medical Payments

Covers minor medical bills for guests that are injured on your property, without regard to fault.

Scheduled Property

Covers special classes of property, like jewelry, guns, furs, art, and more. While these items have some coverage under a standard policy, they often come with reduced limits.

Water Backup

Covers water damage as a result of a backed up sewer or drain, or a sump pump malfunction.

And More

There are even more coverage options that may be a good fit for you. We’ll make a recommendation once we know a bit more about your needs.

Want to learn more about homeowners insurance coverage? Check out What is homeowners insurance from the Insurance Information Institute.


McGovern Agency Advantages

20+ Insurance Companies

We automatically quote your insurance with up to 20 top insurance companies.

Help From A Pro

We’ll help you figure out the coverage you need and find the best rates. We’re here to provide service the way you want it.

Total Flexibility

We’ll update your insurance plan as your needs change. With McGovern Agency, you can change insurance companies and keep your agent.

Get Your Insurance Quotes Today