Falcon Heights is one of the smallest cities in our service area at just 2.2 square miles, but the State Fairgrounds and University of Minnesota's Saint Paul campus create a dense mix of homeowners, renters, landlords, and a two-week period of unusually high traffic every year.
Homeowners and renters should review property, liability, roof, plumbing, and State Fair parking use before renewal. If driveway or yard parking is rented for a fee during the fair, that commercial use may not be part of a standard homeowners policy.
For rental property near campus, landlord policies (dwelling fire or DP-3 policies) handle a different situation than owner-occupied coverage: the property, tenant-related liability, and potential loss of rental income. Small businesses and landlords can also need general liability, property, or certificate review that reflects actual property use.
The State Fairgrounds, campus housing, postwar housing stock, and dense rental market make property use as important as the address itself. A coverage review can surface those questions before fair season or a renewal forces them.