Homeowners Insurance

Young & Associates Insurance specializes in Homeowners Insurance in Duluth, Superior, Hermantown, Proctor and surrounding areas in Minnesota and Wisconsin.


Looking for coverage? Quickly and easily submit an application for a homeowners insurance quote! We will design a custom, comprehensive protection program to fit your unique needs...always looking for the best value.

Request a Homeowners Insurance Quote


What is homeowners insurance?

Homeowners insurance provides financial protection against disasters. A standard policy insures the home itself and the things you keep in it.

Homeowners insurance is a package policy. This means that it covers both damage to your property and your liability or legal responsibility for any injuries and property damage you or members of your family cause to other people. This includes damage caused by household pets.

Damage caused by most disasters is covered but there are exceptions. The most significant are damage caused by floods, earthquakes and poor maintenance. You must buy a separate policy for flood and earthquake coverage. Maintenance-related problems are the homeowners' responsibility.

Every home and homeowner is unique and you should have a policy tailored to meet your specific needs. Young & Associates Insurance will build a policy that adequately protects your home and possessions. Call today to start protecting your home in Duluth or throughout the surrounding areas in Minnesota or Wisconsin.

Why do you need homeowners insurance?

It is really all about protecting yourself financially if something unexpected happens to your home or possessions. That's important because chances are your home is likely one of your largest investments.

  • If your home was destroyed by fire or damaged by a natural disaster, you'd need money to repair or replace it.
  • If you are a victim of theft and vandalism, it can reimburse you for your loss or pay for repairs.
  • If you are a victim of theft and vandalism, it can reimburse you for your loss or pay for repairs.
  • If you are still paying for your home, your lender will require insurance.

It is important to know that homeowners insurance is meant to cover unexpected damage, not routine maintenance. Talk to your Young & Associates Insurance agent in detail about this important coverage so you know exactly what's included and what is not in the policy you have chosen.

What questions should you ask yourself and your agent when designing your protection program?

Young & Associates Insurance is your advocate for finding home insurance that meets your specific needs. Here are a few things to consider as you prepare for the discussion:

  • Ask your agent, "How much will it cost to rebuild my house and replace my belongings if they are damaged or destroyed?" Your agent at Young & Associates Insurance will talk you through your home's features so they can perform a Replacement Cost Estimate (RCE) for your home. This estimate will show you what it would cost to rebuild your house with today's labor and material costs so you and your agent can make an informed decision on adequate coverage limits for your home and your belongings.
  • What discounts are available? Ask about home updates, roof replacement and multi-policy discounts.
  • What's the procedure for filing and settling a claim? Ask who to call and what happens after you file a claim.
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