House Insurance


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The Insurance Specialists Team recognizes the responsibility that comes with being a homeowner and we understand that it is crucial to protect your home and those who live inside with the best coverage.  We also know you want the lowest cost home insurance.  Good news!   You landed at the right place.  You have choices and options to cover all your needs.

We make it easy for you—with simple steps to bigger savings:

1. Click on our free homeowners insurance quote start button

2. Fill out the form using your current home insurance policy

3. We find the coverage and rate you’re looking for and make sure you receive all the discounts available to you!  Because we represent many companies and compare policies and quotes everyday our success rate is really good – rest assured this can be your one stop shop for the bigger savings, better coverage, and the best service.

It provides real peace of mind knowing you have the best team of local insurance specialists working for you.  You’ll get annual reviews to ensure you have the correct coverage and you have the best prices. So, you don’t have to wonder or spend time shopping for quotes and trying to figure it all out.  You don’t have time to be an insurance specialist.  Having a team is what smart people do. They’ll know which companies are the best fit for you in your area.

You see, at the Insurance Specialists Team we are proud homeowners too and is exactly why we are committed to helping you navigate through this critical policy decision.   You’ve worked hard to secure yourself a safe and inviting place to call your own—now the next logical step is protecting you and your property from an array of risk exposures.

As your leading, local independent agency we have the ability to shop multiple carriers nationwide, comparing rates and resulting in the best possible home insurance. No matter where you are located —we’re here to help you protect what matters most!

Typical coverage packages for homeowners insurance can include protection for the following:

  • The physical structure of your home
  • Replacement cost coverage
  • Personal property
  • Additional living expense (in the event of covered loss or a natural disaster)
  • Personal Liability

Looking for specialty coverage, for those unique exposures vulnerable within your standard home insurance policy? Our fully adaptable policies can be customized with further endorsements, which may be purchased, to enhance your homeowners insurance!  IST clients can benefit from additional coverage options, including:

  • Valuable Articles/Floater Insurance policies (i.e. Jewelry Insurance, wedding rings, guns, collections)
  • Flood Insurance policies
  • Home business insurance policies
  • Umbrella Insurance policies (additional liability coverage)
  • Animal Liability (liability issues due to household pets)
  • Multi-policy discounts and money saving common cause deductibles

At The Insurance Specialists Team, we know what may work for one homeowner, won’t necessarily work for you. Which is exactly why we aim to create individualized insurance plans that reflect the distinct needs of you, your family and your unique home.

Give us a call today 763.244.3735 to learn more about our home insurance policies. One of our insurance specialists would be happy to provide you with a complete coverage review as well as offer you a free quote for your home insurance quote right now!


House Insurance


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