Home Insurance
Home Insurance in Forest Lake, MN
What would you do if your home was severely damaged in a storm, your house needed extensive repairs, and most of your furniture and belongings were ruined? Without a home insurance policy, the cost to recover from such damage could be financially devastating. When you invest in homeowners insurance, you are protecting your home, and yourself, against financial disaster.
Your home is one of your largest investments and where you family’s life unfolds. With something so precious, you’ll want to ensure you have great coverage. Carney Insurance agents will help you determine what’s needed, then find the best policy available from up to 60 insurance companies.
That’s how you save time, money, & hassle with Carney Insurance Services.
INSURANCE COVERAGE
HOMEOWNERS INSURANCE PROTECTION OFFERED
Dwelling Coverage
Pays for damage to your home from perils like hail, wind, & fire.
Other Structures Coverage
Pays for damage to other unattached structures on your property.
Personal Liability Coverage
Covers lawsuits against you for injuries or property damage.
Medical Payments
Pays minor medical bills for guests injured on your property.
Scheduled Property
Pays for damage & theft to certain classes of valuable property, like jewelry, art, & guns.
Loss of Use Coverage
Pays for temporary living expenses if your home is uninhabitable due to a covered loss.
Guaranteed Replacement Cost Coverage
Guarantees that you’ll receive enough to replace your home, even if the amount is higher than what is on the policy.
Personal Property Coverage
Pays for damage to personal items like clothing, furniture, & electronics.
Personal Injury Coverage
Pays for libel & slander judgments, subject to your policy.
Water / Sewer Backup
Pays for damages from a defective sump pump or drain backup.
And more
PROPERTIES COVERED
Single Family Homes
Condos
Multi-Unit Homes
Vacation Homes
Rented Homes
Secondary Homes
And more
DISCOUNTS AVAILABLE
Multi-policy
Alarm / Safety Devices
Pay in full
Automatic payments
Occupation discounts
Claim-free discount
Paperless
And more
CARNEY INSURANCE
More than 70 Insurance Companies
Over 80 Years Experience
10 Staff Members
FROM OUR BLOG
Insurance & College: 3 Insurance Coverage’s Affected by Back to School
October 22, 2019 The heavy slam of the car trunk underscores the close of one chapter in your child’s life; leaving you to cope with the new journey of college she is embarking on without you. So much has gone in to preparing for this day: endless trips to home goods retailers to select the…
Is your home as efficient as it could be? An energy audit can tell you
November 2, 2018 Drafty windows. Leaky faucets. Dirty air filters. All are common issues in homes across the country, and they’re not just annoying-they also cost you money in decreased energy efficiency and higher bills. The U.S. Environmental Protection Agency’s Energy Star program estimates that homeowners can save 5% to 30% on annual energy costs…
Simple holiday safety tips
Tips that will help keep your family and home safe for the holidays. The holidays are a time to reconnect with family and friends, but they also can present seasonal safety hazards. Here are some tips to help you keep your home safe this holiday season. Holiday decorating tips Hospital emergency rooms treat thousands of…
Helpful Tips For New Home Buyers
We have partnered with Niki Gysbers at Bell Bank to provide a home buying checklist! Print out or save to your phone to make sure you’re taking all the appropriate steps in the home buying process.
Save Time, Money, and Hassle on Insurance
