Home Insurance Minnesota — Frankot Agency
Home Insurance
Protect your most valuable asset.
Your home is likely the biggest investment you'll ever make. Frankot Agency helps Minnesota homeowners find comprehensive coverage that protects their dwelling, belongings, and family — through every season.
What's Covered
Homeowners Coverage Built for Minnesota
Dwelling Coverage
Covers the structure of your home — walls, roof, foundation, and attached structures — against covered perils like fire, wind, and hail.
Personal Property
Protects your furniture, electronics, clothing, and other belongings inside your home, and often away from home too.
Liability Protection
Covers legal costs and damages if someone is injured on your property or you accidentally damage someone else's property.
Loss of Use
Pays for temporary housing and living expenses if your home becomes uninhabitable due to a covered loss.
Other Structures
Covers detached garages, fences, sheds, and other structures on your property.
Water Backup Coverage
Optional add-on that covers damage from sewer or drain backup — a common and costly issue in Minnesota homes.
Why Frankot Agency
Local Expertise,
Personal Service
As an independent Minnesota insurance agency, we work for you — not the insurance companies. That means we shop multiple carriers to find you the best coverage at the best price.
- Independent agency — we compare rates from multiple top carriers
- Minnesota-specific expertise: ice dams, wind, and freeze coverage
- Bundle with auto for significant savings
- Replacement cost vs. actual cash value guidance
- Annual policy reviews to keep your coverage current
- Local agents who know your neighborhood
Common Questions
Frequently Asked Questions
Does home insurance cover ice dam damage?
Ice dams are a common Minnesota problem. Most standard homeowners policies cover interior water damage caused by ice dams, but the ice dam removal itself is typically not covered. We can review your policy and recommend endorsements for better protection.
Is flood damage covered by homeowners insurance?
Standard homeowners policies do not cover flood damage. Flood insurance is a separate policy available through the National Flood Insurance Program (NFIP) or private carriers. If you live near a lake, river, or flood-prone area in Minnesota, we strongly recommend it.
How much home insurance do I need?
You should insure your home for its replacement cost — what it would cost to rebuild it from scratch at today's construction prices — not its market value. Your Frankot agent can help you calculate the right coverage amount.
Can I bundle home and auto insurance?
Yes, and it's one of the best ways to save. Most carriers offer a multi-policy discount of 10–25% when you bundle your home and auto insurance. Ask us about bundling options when you request a quote.
Ready to get covered?
Talk to a local Minnesota agent today — no pressure, no obligation.