Get A Quote

Home Insurance

Rebuilding Costs Are Rising Is Your Coverage Keeping Up?

Don’t just insure your home’s value — protect its future.
Get A Free Quote

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.

Contact Us
wrench on the dollars

Home Insurance in Minnesota & Wisconsin

Fallon Insurance Agency is licensed to serve homeowners in Minnesota, Wisconsin, and Iowa. Every state has its own risks, rebuild costs, and coverage requirements — our licensed agents tailor every Farmers Insurance policy to the specific conditions where you live. Select your state to learn more about local coverage options and get a free quote.

🏠 Minnesota Home Insurance Coverage tailored for MN hail seasons, frozen pipes, sewer backup from spring snowmelt, and rising rebuild costs across the Twin Cities and Greater Minnesota. Serving: Minneapolis · St. Paul · Rochester · Duluth · Mankato + more 🏠 Wisconsin Home Insurance Coverage built for WI homeowners dealing with older Milwaukee housing stock, Lake Michigan weather, spring flooding, and high sewer backup risk in aging neighborhoods. Serving: Milwaukee · Madison · Green Bay · Eau Claire · Appleton + more 🏠 Iowa Home Insurance Farmers Insurance coverage for Iowa homeowners including tornado protection, hail damage, and agricultural property risks specific to Iowa's climate and geography. Licensed and serving homeowners across Iowa
→ Is your MN home insurance premium above average? Read our guide

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

Stay compliant if codes change after a claim
Coverage & 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

Schedule A Policy Review