Question 1

Does homeowners insurance in St. Paul cover ice dam damage?

Accepted Answer

Yes, your standard homeowners insurance typically covers damage caused by ice dams, such as water damage to walls, ceilings, and insulation. However, the cost of removing the ice dam itself is not covered—that's considered preventative maintenance and is your responsibility as the homeowner.

Question 2

Do I need flood insurance if I don't live in a flood zone?

Accepted Answer

Yes, you should seriously consider it. About 20-25% of flood claims come from properties outside high-risk flood zones, and with the Mississippi River running through St. Paul, spring snowmelt can cause unexpected flooding. Flood insurance costs around $400 annually and is available to 96% of Minnesota homeowners, regardless of whether you're in a mapped flood zone.

Question 3

Why are home insurance rates increasing so much in St. Paul?

Accepted Answer

Minnesota experienced 190 hail events in 2024, leading to massive claims that forced insurers to raise rates. Insurance companies have been paying out $1.40 in claims for every dollar collected in premiums, resulting in a projected 15% rate increase in 2025. This makes Minnesota one of the top five states for home insurance price hikes.

Question 4

What is a wind and hail deductible, and how does it work?

Accepted Answer

A wind and hail deductible is separate from your standard deductible and typically ranges from 1% to 5% of your home's insured value. For a home insured at $500,000, a 2% deductible means you pay the first $10,000 out of pocket for storm damage. This is significantly higher than traditional $1,000-$2,000 deductibles.

Question 5

Will my insurance cover a full roof replacement after hail damage?

Accepted Answer

It depends on your roof's age and your policy type. For newer roofs, most policies offer replacement cost coverage. However, for roofs 15-20 years old or older, many insurers now use actual cash value coverage, which factors in depreciation. This means you'll receive a payout based on your old roof's depreciated value, not the full cost of a new roof.

Question 6

What special coverage do I need for a historic home in St. Paul?

Accepted Answer

Historic homes, especially those on Summit Avenue or in other heritage neighborhoods, often need extended or guaranteed replacement cost coverage to account for period-appropriate materials and specialized craftsmanship. You should also consider ordinance or law coverage, which helps pay for required building code upgrades when you make repairs or rebuild.

Insurance Agents in St Paul, Minnesota (MN)

Insurance agencies serving St Paul

Assuredpartners Of Minnesota, LLC

Farmers Union Agency

Insurance Agents in St Paul, Minnesota (MN)

Insurance agencies serving St Paul

Assuredpartners Of Minnesota, LLC

Farmers Union Agency

Hughes Insurance Agency

MSPA General

Northern States Agency

Northern States Agency

Quality Insurance Service

The Insurance Finder

Universal Marketing And Management INC.

Wheeler Agency Inc

Insurance Guides for St Paul

Home Insurance in St. Paul

Insurance Guide for St. Paul

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Auto Insurance in St. Paul

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