Rebuilding Costs Are Rising Is Your Coverage Keeping Up?
Don’t just insure your home’s value — protect its future.
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Why Most Home Policies Fall Short
Most home policies only cover what your home is worth — not what it costs to rebuild. At Fallon Insurance Agency, we focus on real coverage that reflects modern construction costs, supply chain challenges, and the financial risk of being underinsured.
What We Include in Every Quote
Extended Replacement Cost
Covers rebuilds beyond your home’s current value
Sewer & Drain Backup
Up to $25,000 in water damage protection
Service Line Protection
Up to $10,000 to repair underground pipes & wiring
Equipment Breakdown
HVAC, appliances, water heaters — covered when they fail
Bonus Add-ons
Ordinance & Law Coverage
Stay compliant if codes change after a claim
Identity Theft Protection
Coverage & support if your identity is stolen
Stay compliant if codes change after a claimCoverage & support if your identity is stolen
Learn Why Our Clients Stay For Life
Find out if your current home policy is enough or if it’s setting you up for disaster
Home Insurance Across Minnesota — We Come to You
Fallon Insurance Agency serves homeowners throughout Minnesota with personalized Farmers Insurance coverage. From Twin Cities metro homes to properties facing harsh northern winters in Duluth — we tailor every policy to the real risks Minnesota homeowners face. Licensed in MN, our agents provide pressure-free quotes and free policy reviews.
Twin Cities Metro
Don't see your city? We cover all of Minnesota — call us or get a free quote online.
Get a Free QuoteRead more: Iowa Insurance Services
Trusted insurance coverage for Iowa residents:
Minnesota home insurance through Fallon Insurance Agency is part of our statewide Home Insurance coverage, offered through Farmers Insurance and available across MN, WI, and Iowa. Licensed in Minnesota — get a free quote or contact us to schedule a free policy review.