Your home says a lot about you and where you’re headed. It’s where life unfolds, memories are made, and milestones happen. But does your home insurance reflect what really matters to you?
At JRL Agency, we help Fergus Falls homeowners and families throughout Ottertail, Battle Lake, Erhard, Ashby, and Dalton find protection that fits their lifestyle. Whether you're buying your first home or reviewing your current policy, we’ll make sure what matters most stays protected.
Covers the physical structure of your home—walls, roof, foundation—against sudden and accidental damage caused by fire, wind, lightning, hail, vandalism, or falling objects. This is often the foundation of a standard homeowners policy.
Helps cover your personal belongings inside the home, including furniture, electronics, appliances, clothing, and kitchenware. If your items are damaged or destroyed by a covered event, this protection can help with replacement costs.
Offers financial protection if you’re held responsible for injuries to others or accidental damage to their property. This coverage follows you wherever you go—providing peace of mind beyond just your front door.
From strong winter storms to unexpected fire or storm damage, living in Minnesota and North Dakota means preparing for a wide range of risks. As a licensed agent in both MN and ND, I help homeowners in Fergus Falls and surrounding communities build home insurance policies that reflect their values and priorities.
