Home insurance that protects what matters most.

Your home is more than a structure—it’s your safe place. With personalized, local support from Ted W. Smith Insurance Services, you get reliable home insurance coverage tailored to how and where you live. We proudly serve homeowners across Rochester, MN, as well as communities throughout Minnesota, Iowa, and Wisconsin.

What does homeowners insurance cover?

Dwelling Coverage

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From roof to foundation, we help ensure your home is protected. Whether it’s a storm, fire, or sudden mishap, we’re here to help.

  • Coverage for damage caused by fire, hail, wind, and lightning
  • Protection for detached structures like garages and sheds
  • Support with repair or rebuild costs
  • Flexible house insurance policies designed for your home.

Personal Property Coverage

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You shouldn’t have to second guess whether your stuff is covered. Our policies protect the things that make your house a home.

  • Furniture, electronics, and appliances
  • Clothing, jewelry, and valuables
  • Optional endorsements for high-value items

Liability Coverage

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A simple accident shouldn’t put your financial future at risk. Our liability protection is built to keep you covered in those what-if moments.

  • Injuries occurring on your property
  • Damage you or your household cause to others.
  • Legal defense costs included

Loss of Use Coverage

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If your home becomes unlivable due to a covered event, we’ve got your back with temporary housing and more.

  • Hotel and temporary housing reimbursement
  • Meals and daily living expenses
  • Peace of mind during unexpected transitions

Common questions about homeowners insurance.

  • What is the average cost of home insurance in Minnesota?

    It depends on your home's location, value, and age, but we’ll work with you to find a competitive rate that doesn’t skimp on protection.

  • Does homeowners insurance cover floods or earthquakes?

    Standard policies don’t, but we’ll help you explore separate flood or earthquake coverage if your property needs it.

  • How much dwelling coverage do I need?

    Enough to rebuild your home from the ground up. We help calculate that based on your home’s construction and market costs.

  • Can I bundle my home and auto insurance?

    Absolutely—and doing so could save you money. We’ll talk through your options so you get coverage that fits all around.



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