Home Insurance
Protect your home with personalized, affordable insurance from a local expert who cares. Get peace of mind knowing you are covered by someone who puts your needs first, no fees, no hassle.
Why You Need Home Insurance That Fits You
Your home is more than just four walls, it is your safe space, your investment, and where life happens. From weather damage to unexpected accidents, the right insurance ensures you are financially protected when it matters most.
At ONE Insurance Agency, we do not believe in one size fits all. We take the time to understand your property, lifestyle, and budget, then find coverage that matches without unnecessary add ons or hidden costs. That is real protection made simple.
What Our Home Insurance Covers
Whether you live in a single-family home, rent out a property, or own a condo, we offer flexible policies to fit your situation and keep you protected from life’s surprises.
Primary Homes & Condos
Get reliable coverage for your primary residence or condo unit, including the structure, personal belongings, and liability protection.
Rental & Airbnb Properties
Own a rental or short-term vacation property? We offer tailored insurance options for landlords and Airbnb hosts.
Secondary & Vacation Homes
Protect your second home or seasonal property with plans built for occasional occupancy and distance ownership.
Jewelry, Valuables & Collectibles
Add extra protection for your most treasured items like wedding rings, family heirlooms, and valuable collections.
Umbrella Liability Policies
Extend your personal liability coverage with a high limit umbrella policy for added peace of mind.
Personal Property Protection
Insure your furniture, electronics, clothing, and other belongings from theft, fire, and accidental damage.
What Makes Us Different
We’re not like the big-box agencies that treat you like just another number. At ONE Insurance Agency, we offer honest advice, zero hidden fees, and fast, personalized service you can count on all from a local expert who truly cares.
- No Quote Fees Ever
- Local Knowledge You Can Trust
- Fast, Friendly, Real Human Support
Simple Steps to Get Covered
Request a Quote
Complete our short online form with your basic details, it only takes a minute to start the process.
We Shop the Best Options
Our team compares top rated insurance providers to find the right policy for your home, needs, and budget.
Get Your Personalized Quote
Within 1 to 2 business days, we’ll email you your options clearly explained and customized for you.
Choose & Get Covered
Once you choose a plan, we’ll help you finalize everything and activate your policy with no stress or delays.
Troy BallMay 2026
I contacted and got my quote through Email. No spam calls and waiting on the phone with quotes that are never the final result. Lower rates than going through insurance companies such as progressive direct. Highly recommend! Best broker I’ve ever gone through!!
Common Questions About Home Insurance
Price depends on your home's size, age, deductible, claims history, and the coverage you pick. We compare quotes from 35 plus carriers so you can see the range side by side and choose what fits your budget.
Most Minnesota home policies cover hail, wind, and storm damage to your roof and structure, but the details vary by carrier. We walk you through what is included, what is excluded, and whether you need a separate endorsement.
Yes, a standard owner policy does not cover tenants or landlord exposure. We place landlord and rental property policies that cover the building, lost rent, and liability for guests.
In most cases we can bind the same day once you pick a quote and sign the application. If a lender or inspection is involved, we keep you posted and help with the paperwork.
No, quotes are free and the agency never charges quote fees. Our pay comes from the carrier, so the help we give you is built into the price you already see.
Let’s Protect What Matters Most
Your home deserves more than generic coverage. Get a personalized quote from a local expert who treats you like family and never charges extra to help. It’s fast, free, and designed to save you money.
What happens next
- We reply usually the same day, always within 24 hours
- We shop 35+ carriers to compare your options
- No quote fees and no obligation to buy
- 763-888-8837763-294-8805 (Text Us)
- [email protected]
- 3001 White Bear Ave, Floor 2 (Maplewood Mall), St Paul, MN 55109
- Monday to Friday, 9:00 AM to 6:00 PM
