Minnesota HO8 Insurance

Minnesota HO-8 Insurance policy is designed for older homes in Minnesota. The Minnesota HO8 insurance companies usually only cover the actual cash value of the home in the event of a claim. Leading homeowners insurance companies in Minnesota are AllState and Auto Club and they operate in cities such as Minneapolis, Young America, Monticello or Saint Paul.


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What Will HO8 Insurance Cover in Minnesota?

A standard home insurance policy in Minnesota whether you live in Minneapolis, Saint Paul or Young America will cover most damages to your MN home and your personal belongings from perils such as hail, smoke, windstorm damage from falling objects, riots, theft, trucks or vehicles.

What is Minnesota HO8 Insurance?

Homeowners insurance coverage that pays actual cash values or repairs in rebuilding cost and personal property. This type of policy is designed for older house or historical properties.

What is the main difference between HO3 and HO8 Insurance?

HO3 insurance is the most common for of coverage in Minnesota. HO8 is designed for older homes where you get cash value for the home after deducting any depreciation against the property.

What areas can qualify for HO8 Home Insurance in Minnesota?

The policy will cover any home in the state Minnesota such as:
  • Minneapolis, MN
  • Saint Paul, MN
  • Young America, MN
  • Duluth, MN
  • Monticello, MN
  • Maple Plain, MN
  • Saint Cloud, MN
  • Edina, MN
  • Bloomington, MN
  • Saint Paul, MN
  • Loretto, MN
  • Rochester, MN
  • Minneapolis, MN
  • Brooklyn Park, MN
  • Brooklyn Center, MN
  • Eden Prairie, MN
  • Crystal, MN
  • Norwood, MN
  • Eagan, MN
  • Plymouth, MN