Bernauer Insurance Agency
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Homeowners Insurance

Protect your house, your belongings, and yourself from liability.

Your home is likely the largest thing you own, and a homeowners policy is what stands between an ordinary bad day and a financial catastrophe. We shop multiple carriers so you are not stuck with whatever your mortgage company handed you at closing.

A standard policy has four moving parts: the structure itself, your personal belongings, your liability if someone is injured on your property, and the cost of living somewhere else while your home is repaired. Most people have never read which limits they carry on each. We go through them with you in plain language.

  • Dwelling and structure coverage
  • Personal property protection
  • Personal liability coverage
  • Loss of use / additional living expenses
  • Replacement cost vs. actual cash value options
  • Scheduled coverage for jewelry, firearms, and collectibles
  • Separate flood and umbrella policies available

Hail and wind are the claims that actually happen here, and how your policy handles roof damage matters enormously — a replacement-cost roof endorsement and an actual-cash-value one can differ by tens of thousands of dollars on the same claim. Ice dams and frozen pipes are also worth confirming. Standard policies do not include flood coverage anywhere in the country; that is a separate policy if you need it.

If you carry auto with the same carrier, the combined discount is usually the single biggest lever on your total premium. It is worth quoting both together even if you only came here for one.

You'll work directly with Spencer

Spencer handles homeowners insurance here, so the person who quotes it is the same person who answers when you call about it later. No call centers, no getting handed off, no explaining your situation twice. He'll be with you from the first question through every renewal after it.

Would rather not fill in a form? Call Spencer directly at 952-956-2502 and give him your information over the phone. It takes about the same amount of time, and plenty of people prefer it — you're welcome to do it that way.

Spencer Bernauer952-956-2502

Request a Homeowners Insurance Quote

Tell us a bit about your situation and we’ll get back to you with real numbers. No obligation, and we never sell your information.

01

CONTACT INFORMATION

02

ABOUT THE PROPERTY

Only if different from the address above.

Roughly when it was last replaced. This is one of the biggest factors in your rate.

03

CURRENT COVERAGE

Roughly what happened and when. Small claims are worth mentioning too.

Your information goes straight to our office. We never sell your data.

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