Homeowners Insurance Information
Home Insurance in Alexandria, MN & St. Cloud, MN
Unique Options from Superior Carriers
At Dilley Zimny Insurance, we write primarily with Nationwide Insurance for personal lines of coverage. This means that if you protect your home with an insurance plan from us, you get the advantage of coverage and benefits from a premier insurance provider.
For commercial clients, we offer insurance from additional carriers and provide the same comprehensive coverage.
We’re not ‘captive,’ like some agents from large insurance companies; we just know where the greatest value lies for our clients. As a home insurance policy owner with Dilley Zimny, we’ll reward you with special benefits like extra living expenses if your home becomes uninhabitable, debris removal, and repairs that prevent future loss. We’ll even help replace trees, shrubs, plants, and other natural property elements that become damaged or destroyed.
Our coverage protects against a wide variety of risks. Our unique relationship with Nationwide ensures that we give you access to a uniquely expansive selection. These coverages help cover fire department service charges after a loss, forgeries and counterfeit money, and unauthorized credit card and fund-transfer card use. Many other things are covered as well, including second homes and rental units. For clients who have non-primary residences and homes that are under construction, these are very useful.
Matching the right coverages with exposures is something we consider essential and we make extensive efforts to ensure that we do it well. Our expansive list of coverages includes:
Mobile Home Insurance
Scheduled Property Insurance
In-Home Business Insurance
We help you match your insurance needs with coverage options that are the best fit. While doing this we consult with you to ensure that you understand not only your needs and the coverages that meet them, but the lingo, legal requirements, and dynamics of insurance. This way, you’re better equipped to make insurance decisions in the future.
For example, homeowners laws differ from state to state. Knowing and understanding these laws can help make insurance decisions easier. Additionally, coverage rates and offerings differ depending on clients’ financial goals and future homeownership plans. Knowing and understanding this significantly affects how we create insurance plans.
For tips on safety and saving money, see our Homeowner’s Insurance Guide.