Home & Property Insurance (MN)

Home pricing in Minnesota is shaped by roofs, weather, and claim behavior. This hub focuses on the levers that actually move cost and coverage.

Most homeowners land here after a roof event or a renewal jump.

Common questions people have

These are the questions people usually ask before they decide.

ACV Roofs as a Deliberate Price Strategy 2 min read
Many carriers are pushing ACV roofs in hail-heavy markets. That feels like a downgrade, but it can also be a deliberate pricing choice.
Deductible vs RCV: When ACV Plus Cash Reserve Wins 2 min read
Homeowners compare premium by changing two levers at once: deductible and settlement method. That makes the math look noisy, but the tradeoff is simple.
RCV Period Length: Why 20 Years Costs More Than 10 2 min read
Two policies look identical, but one costs more because the RCV period is longer. That premium difference feels arbitrary until you see the eligibility math.
Roof Loss Cycles: Why Carriers Reprice Home Books 2 min read
Many homeowners see premiums rise even with no claims. Roof loss cycles are a major driver of that drift.
ACV vs RCV: How Roof Settlement Actually Works 2 min read
Two homeowners can buy the same policy limits and still see very different roof claim outcomes. The difference is usually settlement method, not the roof itself.

If you want the mechanics and tradeoffs in full, start here.

ACV vs RCV: How a Claim Check Gets Built 5 min read
ACV and RCV are not just acronyms. They change the math of a claim check and the timing of what you get paid.
What Actually Triggers a Roof-Driven Repricing Year 5 min read
Roof-driven repricing years are not random. They follow loss patterns, settlement rules, and market behavior that stack up over time.

If you want a second set of eyes, this is usually where I start.