Homeowners Insurance
A Homeowners policy protects your home, possessions, and occupants in the event of fire, theft, weather damage, and liability claims. It's also required by mortgage lenders. Optional coverages can be added to a homeowners policy, depending on your needs. These can include insurance for additional dwellings on the property, or flood or earthquake insurance. Special policies are also available to insure condominiums, vacation homes, and rental properties.

Valuable Articles
Items of high value should be listed separately to be properly insured for loss or damage. Valuable articles might include computers, electronics, fine art, furs, golf equipment, jewelry, musical instruments, photographic equipment, silver, stamps and coins, or family heirlooms. Please mention any special items to your Dyste Williams insurance advisor to make sure they are adequately covered.

Liability Umbrellas
Umbrella insurance can protect you from major liability claims that are greater than those covered by your homeowners or auto policies. An umbrella policy provides additional coverage above the limits of your existing insurance. It can also protect you from claims that might be excluded by other policies, such as libel and slander.

Wedding Insurance
A wedding is often a significant expense. It's nice to know that this investment can be protected for a modest sum. A wedding policy provides coverage for situations like severe weather, a lost ring or gown, ruined photos, damaged gifts, an unexpected military call to duty, or sudden illness. An additional option can insure the wedding venue, if required.

Home-Based Businesses
If you run a business from your residence, you may need insurance above what is covered by a typical homeowners policy. We can find you an affordable home business policy that provides valuable protection, and we can also customize it for your unique business needs.

Domestic Workers
If you employ a domestic worker, some states, including Minnesota, require you to buy insurance that covers medical bills, lost wages, and rehabilitation if the employee is injured on the job. Minnesota state law requires insurance if the employee earns more than $1000 in a 3-month period. Even if you are not required to buy insurance, it is often wise to do so, since it protects you from a lawsuit that might not be covered by your homeowners insurance. Part-time employees who should be covered by such a policy include nannies, housekeepers, and home health aids. Keep in mind that if you hire someone from an agency, the agency should provide the insurance.