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Deluxe Insurance Group

4515 E Superior St
Duluth, MN 55804

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Four Instances You May Need Additional Coverage with Your Home Insurance

Are you in Duluth, MN, or the surrounding area and are about to purchase a house? Have you recently bought a house in this area? If so, you’ll need to think about your home insurance and treat it as a priority. An experienced agent, like those at Deluxe Insurance Group, can assist you in determining if you’ll need additional coverage for your house. 

Higher Liability 

Do you need a higher liability on your property or want to have the coverage for specific items of value? You may be able to pay an additional premium, though some companies ask that you have an additional policy for this. Regardless, you can purchase additional home insurance only if you’ve reached your maximum liability limit that’s on your standard policy. 

Umbrella Insurance 

If you would like a policy for the invasion of privacy, slander, or libel that goes beyond the amount in the standard insurance policy, this is known as an umbrella policy. It can make more sense to have a higher amount in your standard policy, as this can help offset the cost of your umbrella policy. 

Natural Disaster Insurance 

If there’s been structural damage to your house, this is covered by the standard insurance policy. Natural disaster damage isn’t included in this policy, so you’ll need additional insurance if you want coverage for it. This is important to add if you live in a risk zone for floods or earthquakes. 

Policies for Personal Property 

If you have items for which you want coverage due to their valuable nature, yet don’t have enough if your standard coverage, you might want to consider getting a personal property floater. This would insure items individually, so you’ll have to describe them and include the value in your policy. There typically is no deductible, and the replacement cost of the item would determine the premium rate. Items that you take along when you travel, such as laptop computers, camera equipment, and expensive jewelry, should be covered in this manner.

Partner Carriers


  • AAA
  • Acuity
  • Badger
  • Concord
  • Foremost
  • Grinnell
  • Kemper
  • Main Street America
  • MetLife
  • Nationwide
  • North Star
  • Progressive
  • Ram
  • Safeco
  • State Auto
  • The Hartford
  • Travelers
  • Woodland