Our Personal Lines Products

Northern Capital Insurance can help round out all your Insurance needs. By having the ability to write business in more than just our home state of Minnesota, and the ability to write a wide array of products, we can truly become a one stop shop for Insurance.

In addition, it is important to know that everyone's needs are not the same. Therefore it is best to consult your agent to help assess your needs and find the insurance policy that is right for you.

Below you will find some of the more common products available to you when it comes to Personal Insurance.

For information regarding these products and/or additional questions you may have, please contact one of our trained Agents. They are able and willing to assist you in finding the products that meet your specific needs.

Dwellings

• Single Family
• Rental Property
• Condo/Townhome
• Manufactured Home
• Vacant Residences
• And more...

What is Homeowners Insurance?
Homeowners insurance provides financial protection against disasters. A standard policy insures the home itself and the things you keep in it.

Homeowners insurance is a package policy. This means that it covers both damage to your property and your liability or legal responsibility for any injuries and property damage you or members of your family cause to other people.

Personal Schedule

• Jewelry
• Furs
• Collectibles
• Silverware
• Firearms
• And more...

What is a Personal Schedule?
A typical Insurance policy will set minimum limits on certain items you may own, such as Jewelry. Having a Personal Schedule attached to your home policy can increase those limits and they can give you additional coverages such as agreed value and mysterious disappearance.

It is important to discuss this with your Agent to ensure you’re properly insuring those diamonds, coin collections, and furs, to name a few.

Automobile

• Personal Auto
• Trucks
• Sport Utility
• Collectible Auto
• And more...

What is Auto Insurance?
Auto insurance protects you against financial loss if you have an accident. It is a contract between you and the insurance company. You agree to pay the premium and the insurance company agrees to pay your losses as defined in your policy.

Auto insurance can provide property coverage for you and others, liability and medical coverage.

Recreational Vehicles

• Motorcycles
• Snowmobiles
• Off-Road Vehicles
• Travel Trailer
• Motor Home
• And more...

What is a Recreational Vehicle policy?
A typical Insurance policy for your Recreational Vehicles will cover Liability, Physical Damage, Medical, and accessories. Being properly insured will allow you to have the confidence to enjoy the wilderness and or vacation while you are off road on a trail or taking a Travel Trailer up north.

Watercraft

• Jet Ski's
• Sail Boats
• Fishing Boats
• Cabin Cruisers
• Yachts
• And more...

What is a Watercraft policy?
Boats can be endorsed for Liability and Physical damage directly on your Home Insurance policy. However, writing a separate Watercraft policy can give you additional coverage’s not found by the traditional endorsement on a Home Insurance policy. For example you can find additional coverage for Uninsured boaters, Towing, Pollution Liability.

Personal Umbrella

• Excess Liability
• Excess Under and Un-insured

What is a Personal Umbrella?
In today’s world of high claim rewards, if you have a claim, your basic Liability policy may or may not have enough liability coverage to cover you. Therefore, having a Personal Umbrella policy could help you protect your personal assets during that unforeseen covered event. 

Flood Insurance

• Structural
• Contents
• Debris Removal
• Sandbags

What is Flood Insurance?
Homeowner policies exclude flood damage and losses. The standard flood policy covers: Structural damage, utility connections, furnaces, central air conditioners and hot water heaters; Household contents, finished walls and floors (those are not covered if they are located in the basement).

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