Homeowners insurance helps protect your family from disasters and other losses to your home and property. In addition, it provides liability coverage in case you’re sued for causing damage or injury to another party. Together, these coverages are crucial in protecting your financial future. We’ll recommend coverage and explain why, in plain language, so you can feel confident in your protection plan. Then, we’ll shop around from over 20 insurance companies to help you find a great price. Ready to get started? Contact us or request quotes now.

Homeowners Insurance Coverage

  • Personal Liability Covers bodily injury or property damage you or a resident family member cause to another party.
  • Dwelling Covers damage your home and attached structures sustain in a variety of incidents, such as inclement weather.
  • Other Structures Covers damage sustained by other structures on your property, not attached to the home, such as a detached garage.
  • Personal Property Covers damage and theft of your personal property, including clothing, furniture, electronics, and more.
  • Loss of Use Covers the cost of a hotel if your home is unfit for living after a covered loss.
  • Medical Payments Covers minor medical expenses for guests that are injured on your property, without regard to fault.
  • Water Backup Covers losses that result from a backed up sewer or drain.
  • Jewelry & Collectibles Covers theft or disappearance of jewelry and other higher risk classes of property that have limited coverage by default.


Insurance companies offer a variety of discounts for preferred characteristics, which can lower your rates. Some discounts are common to many carriers and some are specific to a carrier. Below are some common examples but not a complete list.

  • Safety devices
  • Loss-free
  • Pay in full
  • Package
  • Auto pay
  • Paperless
  • New roof
  • And more

About NSI Agency

For more than 15 years, we’ve been helping families and individuals find sensible insurance coverage for a reasonable price. Located in St. Paul MN, we can help people all over the twin cities metro area. NSI Agency is your path to protection, made easy.

Finding Great Insurance is Easy

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