Home Insurance, built around the home you own.

A primary home can be the largest single personal asset an owner has, which is what makes the dwelling limit worth checking against what it would cost to rebuild.

Schedule a Review All Personal Coverage

Questions people bring

Is my home insured for what it would take to rebuild?

A review starts with your current policy and your home as it is today.

Has anything changed since I bought the policy?

A renovation, an addition, or a home office can change how a policy fits.

Do my home and auto limits line up with my umbrella?

The pieces are easier to check when one person is looking at all of them.

What about a rental, a lake cabin, or working from home?

Those situations are worth raising, because a standard policy can treat them differently.

Home Insurance

Kain Carlson reviews your home's replacement cost, coverage limits against current construction costs, and makes sure your home policy works alongside your commercial and umbrella coverage.

01, Dwelling

Dwelling Coverage

Structural coverage at true replacement cost, not market value or assessed value, which are frequently lower than what it actually costs to rebuild.

Learn More →02, Personal Property

Personal Property

Contents coverage for furniture, clothing, electronics, and belongings, with scheduled items for high-value property that standard limits don't adequately cover.

Learn More →03, Liability

Personal Liability

Personal liability protection that pairs with an umbrella policy for complete coverage, protecting your personal assets from claims that arise at or away from your home.

Learn More →

Home Insurance Considerations

Some situations are not covered by a standard homeowner policy, or are covered only up to a limit. A home office, business equipment stored at home, and high-value personal property such as jewelry or art can each leave a gap. Kain Carlson reviews these exposures as part of your complete coverage.

Replacement Cost vs ACV

Actual cash value policies pay depreciated value after a loss, replacement cost policies pay what it costs to rebuild. In a North Dakota or Minnesota market where construction costs have risen significantly, this difference matters.

Home Office Exposure

Standard homeowner policies exclude or severely limit coverage for business property and business liability at your home. If you run any part of your business from home, this gap needs to be addressed, either through endorsement or a separate commercial policy.

High-Value Items

Jewelry, art, collectibles, firearms, and musical instruments all have sub-limits in standard homeowner policies. Scheduling these items separately can cover them at their appraised value.

Umbrella Coordination

Your home liability limit is the underlying coverage beneath your personal umbrella. Kain Carlson reviews both together to ensure the limits are structured correctly and there are no gaps between policies.

Get Your Home Coverage Reviewed

Licensed in ND & MN · Based in Fargo

Schedule a Review