Protect Your Home with the Right Coverage
From single-family homes to condos and rentals, City Insurance has you covered.
Your home is more than just a building — it’s where life happens. At City Insurance, we help you protect what matters most with affordable, customized coverage options designed for Minnesota homeowners, renters, and condo owners.
Why Home Insurance Is Essential
Home insurance does more than just cover your house — it protects your belongings, shields you from liability, and gives you peace of mind when life takes an unexpected turn.
Protect Your Property
Covers your home and belongings from fire, theft, storms, and more.
Liability Coverage
Protects you if someone is injured on your property or if you accidentally damage someone else’s property.
Living Expenses After a Loss
Helps cover hotel stays and daily living costs if your home becomes unlivable after a covered loss.
Renters (HO-4)
Affordable protection for your belongings and liability, even when you don’t own the building.
Condo (HO-6)
Covers your personal property and interior finishes while your condo association insures the building.
Homeowners (HO-3)
Standard coverage for single-family homes, protecting both structure and personal belongings.
Trusted Home Insurance Partners
We work with top-rated carriers like AAA, Safeco, Selective, Universal Property, and Foremost to compare coverage and pricing for you. Our goal: match the right policy to your needs — without the hassle of shopping around on your own.
Save More When You Bundle
Combine your home insurance with auto, umbrella, or recreational policies for extra savings. Many of our carriers reward multi-policy clients — and we make bundling simple. Progressive, AAA, and Safeco all offer strong discounts when you keep your coverage in one place.
Common Home Insurance Questions
Homeowners (HO-3) covers the entire house structure—roof, walls, and attached fixtures—along with personal belongings and liability. Condo (HO-6) focuses on your unit’s interior, personal property, and liability, while the condo association insures the building exterior and shared spaces.
Yes. Landlord or dwelling fire policies protect rental homes whether they’re occupied by tenants or vacant. These policies can cover the structure, liability, and in many cases loss of rental income if the property becomes uninhabitable after a covered claim.
Most standard homeowners policies don’t automatically include sewer or water backup protection. Adding this coverage helps protect you from costly damage if a sump pump fails or a drain backs up—a common issue during Minnesota’s heavy rain seasons.
Service-line coverage protects underground pipes and wiring that run from the street to your home, like water, power, or internet lines. Many homeowners are surprised to learn that these aren’t covered by the city or standard insurance. Adding this option ensures you won’t face thousands in repair bills if something fails.
Yes. Many of our carriers—including AAA, Progressive, and Safeco—offer strong discounts when you bundle home insurance with auto, umbrella, or recreational policies. Bundling not only saves money but also simplifies your coverage by keeping everything in one place.