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We provide options for Insurance coverage for your Home (including townhome, condo or rental), Auto and Umbrella – as well as your Cabin, ATVs, watercraft, rental properties, motorcycles, snowmobiles, RVs and trailers.  Because we are independent, we have many companies we can write insurance with including the following:


Your home is likely your greatest asset and understanding what your policy covers is an important part of choosing the policy that is right for you and your property.  With access to many companies, we will find you the coverage you need at the best rate we can offer.


Dwelling Coverage

Dwelling Coverage

If your home is damaged due to a covered cause of loss, your insurance will pay for the repair or replacement.  The replacement cost of your dwelling is what it would cost to rebuild the structure (does not include the land).  Most policies also offer extended replacement cost coverage which will pay an extra percentage over the limit.  Some companies offer guaranteed replacement cost where there is no limit – they will pay whatever it takes to rebuild your home to like kind and quality.

Personal Property Coverage

Personal Property Coverage

Personal Property Coverage pays to replace your personal property (contents) in the event of a covered loss.  Most policies provide replacement cost on your personal property (does not take depreciation).  Some policies coverage against the standard causes of loss (named perils) and some provide coverage against all causes of loss not excluded in the policy (open perils).

Other Structures Coverage

Other Structures Coverage

This coverage is included on most policies at 10% of the dwelling value.  It includes sheds, swimming pools and more.

Personal Liability Coverage

Personal Liability Coverage

Your Home policy has liability coverage which covers you against lawsuits for bodily injury or property damage caused by you, a family member or event your pet.  It pays for both the cost of defending you in court and for any damages a court rules you must pay.

Additional Living Expense Coverage

Additional Living Expense Coverage

If a covered loss to your home leaves it uninhabitable while it is repaired or replaced, additional living expense coverage will pay for essentials like housing, food and other daily necessities.

Other Coverages

Other Coverages

There are many other coverages that can be added by endorsement including sewer water back up coverage and personal injury coverage.




An auto insurance policy is comprised of six different kinds of coverage. Most states require you to buy some, but not all, of these coverages. If you’re financing a car, your lender may also have requirements.


An auto insurance policy is comprised of six different kinds of coverage. Most states require you to buy some, but not all, of these coverages. If you’re financing a car, your lender may also have requirements.

Most auto policies are for six months to a year.




1. Bodily Injury Liability

For injuries the policyholder causes to someone else.

2. Medical Payments or Personal Injury Protection (PIP)

For treatment of injuries to the driver and passengers of the policyholder’s car. At its broadest, PIP can cover medical payments, lost wages and the cost of replacing services normally performed by someone injured in an auto accident.

3. Property Damage Liability

For damage the policyholder caused to someone else’s property.

4. Collision

For damage to the policyholder’s car from a collision. The collision could be with another car, a light post, fire hydrant, etc.

5. Comprehensive

For damage to the policyholder’s car that doesn’t involve a collision with another car. Covered risks include fire, theft, falling objects, missiles, explosion, earthquake, flood, riot and civil commotion.

6. Uninsured Motorist Coverage

For treatment of policyholder’s injuries as a result of collision with an uninsured driver. Underinsured motorist coverage can also be included in an auto policy. Underinsured motorist coverage comes into play when an at-fault driver has auto liability insurance, but the limit of insurance is inadequate to pay for your damages.




An Umbrella policy is designed to provide additional liability coverage on top of the liability coverage you have on your underlying policies (Auto, Home. Boat, Motorcycle, Snowmobile, etc…).

WHAT is a Personal Umbrella Policy and WHY should you consider getting one?

Auto Example

You may have split limits of 250/500/100 on your Auto policy.  Then you may have a $1 million Umbrella liability policy on top of that.  If you are in a car accident where you are deemed to be at fault – and the other party suffer serious injuries causing hospitalization, rehabilitation and some permanent disability – you would have $1.25 million in coverage to pay for those damages in the event of a lawsuit.  Without an Umbrella policy, you would have $250,000 in coverage.

Home Example

You may have a liability coverage limit on your Home policy of $500,000.  Then you may have a $1 million Umbrella policy on top of that.  If you have a swimming pool in the backyard and someone drowns or is seriously injured OR you have a dog who gets lose and bites a neighbor child in the face necessitating stitches and resulting in scarring and trauma – you would have $1.5 million in coverage.  Without the Umbrella, you would have $500,000 in coverage.




Ohlhues Insurance Agency
P.O. Box 211222
Eagan, MN, 55121

Phone: 651-214-0563
Fax: 651-304-1233


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Licensed in MN, WI, AZ and CO.

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