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
Homeowners Insurance and the Rising Cost of Building Materials
Recent findings from the National Association of Home Builders (NAHB) confirmed that household construction costs have surged over the past year. This rise in construction costs is directly tied to soaring building material expenses—namely, the price of lumber. According to the NAHB, current lumber costs are up 340% from 2020. What’s more, lumber prices have…
PREVENTING FROZEN PIPES
Provided by: Carney Insurance Services, Inc. Did You Know?One of the messiest and most costly homeowner repairs is fixing a burst frozen pipe. Water from a burst pipe can cause damage to carpeting, short out electrical appliances and ruin furniture. Luckily, there are several products on the market that offer some security against these nightmares.…
4 things you should know about umbrella coverage
July 29, 2019 | SECURA Insurance Umbrella coverage is aptly named — it gives you added coverage on top of your personal insurance (like homeowners, auto, watercraft, or motorcycle). But how does it relate to you and your current insurance policy? Here’s a basic overview to help you understand the coverage. 1. What is it?…
Ways to prevent package theft at your home
Discover how you can plan for deliveries and secure your purchases. How Can You Prevent Package Deliveries From Being Stolen? With more and more people choosing to shop online for efficiency and convenience, package theft is a serious concern. The options below can help you plan for deliveries and secure your purchases. Use a Package Delivery Box…
Save Time, Money, and Hassle on Insurance
