Homeowner Shield

Beautiful home protected by Homeowner Shield insurance

Home Coverage

Your Home, Fully Protected

Homeowner Shield covers your dwelling, personal property, and liability exposures in one comprehensive policy. Whether you face storm damage, theft, fire, or a guest injury on your property, Minnesota Own Your Future ensures you have the financial backing to repair, replace, and recover without derailing your future plans.

$159 / mo

Dwelling and other structures coverage
Personal property protection worldwide
Personal liability and medical payments
Loss of use / additional living expenses
Optional flood and earthquake endorsements

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Plan Features

Comprehensive Home Protection

From the roof over your head to the belongings inside, Homeowner Shield covers the risks homeowners face every day.

Dwelling Coverage

Repairs or rebuilds your home's structure after covered perils like fire, wind, hail, and vandalism.

Personal Property

Covers furniture, electronics, clothing, and valuables — even when temporarily away from home.

Personal Liability

Protects you if someone is injured on your property or you accidentally cause damage to others.

Loss of Use

Pays for temporary housing, meals, and storage if your home becomes uninhabitable after a covered loss.

Other Structures

Covers detached garages, sheds, fences, and guest houses on your property.

Scheduled Valuables

Add riders for jewelry, art, collectibles, and high-value items that exceed standard limits.

Key Benefits

Why Homeowners Choose Homeowner Shield

Storm Ready

Wind, hail, and lightning damage coverage helps you recover quickly after severe weather events.

Guest Protection

Medical payments coverage handles minor injuries to visitors without lengthy liability disputes.

Bundle Discounts

Pair with auto insurance for simplified billing and meaningful multi-policy savings.

Replacement Cost

Optional replacement cost coverage rebuilds without depreciation deductions on qualifying claims.

Coverage Highlights

What's Included in Your Policy

Homeowner Shield uses an HO-3 style open-perils dwelling coverage with named-perils personal property protection. Your advisor ensures dwelling limits reflect current rebuild costs and that liability limits align with your net worth.

Open-perils dwelling coverage (HO-3 standard)
$100,000+ personal liability standard
Water backup and sump overflow optional
Identity theft recovery assistance
Dedicated claims support team

$500K+

Dwelling Limits

70%

Personal Property

12 mo

Loss of Use Coverage

4.9

Client Rating (164+)

Common Questions

Homeowner Shield FAQ

Contact us at hello@minnesotaownyourfuture.com for a home insurance review.

Your dwelling limit should reflect the cost to rebuild your home — not its market value or purchase price. We use construction cost estimators and local data to recommend adequate replacement coverage for your specific home.

Standard homeowners policies do not cover flood damage. We offer separate flood insurance endorsements and can connect you with NFIP or private flood options based on your property's flood zone and risk profile.

Actual cash value pays the depreciated value of damaged items. Replacement cost pays to replace items with new ones of similar quality, without depreciation deductions. Replacement cost coverage is available for both dwelling and personal property.

Most standard homes qualify without an inspection. Older homes, unique construction, or high-value properties may require a brief inspection or photo documentation. Your advisor will outline any requirements during the quoting process.

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Your Home, Fully Protected