Fouts, Davidson, Burks Agency, LLC
213 W 2nd St, Minneapolis, KS 67467
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213 W 2nd St, Minneapolis, KS 67467
View this agency's profile to learn more about their services.
Learn about insurance coverage options specific to Minneapolis residents.
Complete insurance guide for Minneapolis residents. Learn about Minnesota's no-fault system, average costs, winter coverage needs, and money-saving tips.
Yes, most standard homeowners policies cover interior water damage caused by ice dams, including damage to walls, ceilings, and belongings. However, policies typically don't cover the cost of removing the ice dam itself unless it's necessary to prevent further damage. Insurers may deny claims if they determine damage resulted from poor maintenance, such as inadequate attic insulation or ventilation, so preventive care is essential.
Older homes cost significantly more to insure—up to 75% higher premiums—because they present greater risks and repair costs. Victorian-era homes often have outdated electrical wiring, corroded plumbing, and require expensive period-appropriate materials for repairs. Insurers view these factors as higher risk for fire, water damage, and costly claims, which drives up your premium compared to newer construction.
Standard homeowners policies generally cover damage from frozen pipes that burst, but coverage can be denied if the insurer believes the damage resulted from negligence. You must maintain your home at least 65 degrees Fahrenheit, insulate exposed pipes, and properly winterize vacant properties. Minnesota insurers paid $589 million for freezing-related claims in 2024, so they scrutinize these claims carefully for evidence of proper maintenance.
Standard homeowners policies exclude flood damage, so if you live near Lake Harriet, Lake of the Isles, or other Minneapolis lakes, you need separate flood insurance to protect against rising water and spring snowmelt. Even if you're not in a high-risk flood zone, about 25% of flood claims come from moderate-to-low-risk areas. Flood policies have a 30-day waiting period, so purchase coverage before you need it.
Water backup coverage is an endorsement that protects you when water backs up through drains, sewers, or sump pumps—common during spring snowmelt and heavy storms in Minneapolis. Standard policies don't include this coverage, but it typically costs only $50 to $100 annually. If you have a basement or live in areas with aging sewer infrastructure, this endorsement is essential protection.
Industry analysts project Minnesota homeowners insurance premiums will rise 15% by the end of 2025, adding more than $500 to the average annual bill. The average Minnesota homeowner spent $3,524 in 2024 and is expected to pay $4,058 in 2025. Minneapolis residents already pay the highest rates in the state at around $2,995 annually, driven by extreme weather, older housing stock, and higher crime rates.
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