Minnesota Insurance All Your Needs in One Place

Homeowners insurance in Minnesota covers several things, including your personal liability costs if you get sued by a guest, neighbor, or other third party for claims of bodily injury or personal property damage. Home insurance also covers your home's structure or dwelling and your personal property, like clothing, if it gets damaged, destroyed, vandalized, or stolen. Covered perils include incidents like falling objects, fires, lightning strikes, and more. Additional living expenses such as hotel rooms and takeout meals are also covered by home insurance if your home gets badly damaged and needs extensive repairs, displacing you from your residence. An independent insurance agent can help you find the best plan for you.

On average, drivers in the US pay $1,311 annually for car insurance. However, car insurance in Minnesota costs an average of just $1,222 per year, so drivers in Minnesota can enjoy cheaper premiums, on average, than their friends and family in other states. An independent insurance agent can help you find the best auto insurance for you.

Workers' compensation in Minnesota is mandatory by state law for all employers. Every business with employees in Minnesota must either purchase workers' comp or become self-insured. This coverage can help reimburse a business for costs of employee injury or illness treatment if the injury or illness resulted from job duties or the work environment. It can even pay for funeral costs if an employee dies because of their job. An independent insurance agent can help you find the best plan for your business.

Restaurant insurance in Minnesota starts off with the basics provided by business insurance, including coverage for the restaurant's building, inventory, and other property, liability, commercial vehicles, and employees. However, restaurants may need to add spoilage coverage and equipment breakdown coverage to their policies. These coverages help protect against costs associated with spoiled food after a power outage and repair or replacement of large equipment like boilers if they get damaged by a covered peril like a fire. An independent insurance agent can help you find the best plan for your business.

Commercial vehicle insurance in Minnesota covers company vehicles and personal vehicles used for business operations. Coverage provides liability protection as well as reimbursement for physical damage to the vehicle. It can also cover incidents of theft or vandalism, as well as fire damage, windshield breaks, and more. Talk to an independent insurance agent to help you find the best plan for your business.

Businesses need business insurance in Minnesota to help cover both expected and unexpected costs. If a business gets sued by a customer, lawsuit costs could lead to bankruptcy if they're paid out of pocket. Business insurance not only provides liability protection, but also coverage for the business's structure, inventory, vehicles, employees, and more. An independent insurance agent can help you find the best plan for your situation.

Umbrella insurance in Minnesota can help extend an existing policy's liability coverage limits. Home insurance, boat insurance, commercial general liability insurance, commercial vehicle insurance, and more, all come with built-in liability coverage limits. Paired with an umbrella insurance policy, this liability coverage can be increased by increments of $1 million to help cover large lawsuits. An independent insurance agent can help you find the best umbrella insurance plan for you.

Renters insurance in Minnesota varies in cost depending on exactly where you live, how much coverage you need, and the insurance company you choose. However, renters in Minnesota pay an average of $185 per year or $15 per month for renters insurance. Considering the coverage it provides, renters insurance is often highly affordable. An independent insurance agent can help you find the best renters insurance plan for you.

Life insurance in Minnesota can provide a chosen beneficiary with a death benefit payout after the policyholder dies. This death benefit can be used to pay for a dependent's college tuition, a surviving spouse's normal standard of living, or to pay off outstanding debts at the time of death. Coverage can even be used to set up a charitable contribution. Talk to a local independent insurance agent to find the best plan for you.

There's no such thing as a one-size-fits-all insurance policy. With a wide variety of products and options at your disposal, you might need help from a professional to choose what you really need.

Minnesota independent insurance agents can help you choose the right policies and options to meet your specific coverage needs. Because they're independent, these agents can work with several of the best insurance companies in Minnesota to find you the right coverage at a great price.