The top-rated condo insurance agent in Apple Valley, Minnesota is Butler & Associates Insurance Agency, rated 4.9 stars across 244 reviews. Other highly rated options include Joe Etten - State Farm Insurance Agent, Dave Melle - State Farm Insurance Agent, Brett McSparron - State Farm Insurance Agent. This directory lists 19 condo insurance agents serving Apple Valley.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Butler & Associates Insurance Agency | 14800 Galaxie Ave Suite 208 | (952) 953-3838 |
| 2 | Joe Etten - State Farm Insurance Agent | 14501 Granada Dr #101 | (952) 431-7100 |
| 3 | Dave Melle - State Farm Insurance Agent | 14831 Energy Way | (952) 997-3010 |
| 4 | Brett McSparron - State Farm Insurance Agent | 15030 Glazier Ave #100 | (952) 431-1300 |
| 5 | Farmers Insurance - Kara Petter | 13000 Pilot Knob Rd Ste 1 | (952) 432-1967 |
| 6 | Retta Insurance Agency LLC | 14870 Granada Ave #155 | (763) 465-1101 |
| 7 | Kiley and Associates LLC American Family Insurance | 7373 147th St W #186 | (952) 432-3700 |
| 8 | Elfstrum Consulting Inc | 14799 Energy Way | (952) 432-8873 |
| 9 | Mayer Insurance Agency | 15025 Garrett Ave #201 | (952) 432-5900 |
| 10 | Debra Suman American Family Insurance | 14698 Galaxie Ave | (952) 953-0900 |
Butler & Associates Insurance Agency serves Dakota County and the surrounding metro area from its Apple Valley, Minnesota location. As a dedicated condo insurance agent, this company helps residents secure tailored policies for their individual units. It specializes in coverage that protects interior structures, personal belongings, and liability exposures specific to condominium living. The agency assists clients in navigating master policy gaps and securing appropriate loss assessment coverage. It handles personalized homeowner insurance solutions and dedicated condo unit policies in the Apple Valley region.
Joe Etten - State Farm Insurance Agent serves Apple Valley homeowners and condo owners with tailored property coverage and personal liability protection. Specializing in condo insurance, the agency helps clients secure policies that address dwelling coverage, personal belongings, and loss assessment needs common in association-governed communities. It assists with quotes, policy adjustments, and claims guidance for existing policyholders. This office also provides its services to residents of nearby Lakeville and the broader southern metro area in Dakota County.
Dave Melle - State Farm Insurance Agent in Apple Valley, MN, provides comprehensive condo insurance services, including personalized coverage options tailored to individual policy needs. Ongoing policy reviews and claim support are available to help maintain appropriate protection over time. Its service plans focus on adapting coverage as property values or personal circumstances change, ensuring clients receive consistent assistance. The agency works with owners of single-family homes, condominiums, apartments, retail shops, and restaurants.
Brett McSparron - State Farm Insurance Agent serves Apple Valley and the surrounding communities in Minnesota. The agency handles condo insurance, focusing on coverage that protects individual unit owners against common property-related risks and liability. Each policy is reviewed to address specific needs like interior structures and personal belongings. To manage a typical job, the agent takes a methodical approach, first assessing the client’s current coverage and then explaining available options tailored to the condo’s layout and local requirements.
Farmers Insurance - Kara Petter in Apple Valley, MN provides both one-time condo insurance purchases and ongoing policy management through scheduled renewals. Coverage options typically include protection for the interior of a condo unit, personal property, liability, and loss of use. Adjusting those plans often involves regular check-ins to account for changes in the bylaws or individual needs. Service for existing clients runs on a scheduled, as-needed basis, ensuring policies are reviewed and updated when life events or renewal dates occur.
Retta Insurance Agency LLC in Apple Valley, MN specializes in condo insurance policies tailored to individual unit owners and building association requirements. It provides general agency services, helping clients assess necessary coverage for personal property, interior fixtures, and liability protection. As many condo owners face unique risks from shared common areas and building structures, the agency specifically assists with preparing adequate insurance for potential water damage claims following unexpected plumbing failures or seasonal freeze-thaw cycles in the region.
As winter ice and spring thaw threaten condominium roofs and walkways in Apple Valley, Kiley and Associates LLC American Family Insurance helps owners review their master policy gaps and individual coverage needs. This condo insurance agent explains how common area deductibles or interior upgrades may leave residents underinsured. They walk prospective clients through building-specific risk assessments before offering customized protection plans for personal belongings and liability. An initial inspection of the unit is then arranged to confirm appropriate coverage levels and identify any overlooked hazards.
Elfstrum Consulting Inc, located in Apple Valley, MN, provides comprehensive condo insurance services to property owners in the region. Their work typically covers protection for individual units against common risks like fire and water damage, while also assisting clients in obtaining specialized endorsements for upgrades. Standard policies help coordinate liability coverage and loss assessments through homeowner association master plans. The company serves both small business offices needing tenant coverage and warehouses requiring property safeguards. Their expertise also extends to food service operations requiring tailored liability policies and equipment protection.
Mayer Insurance Agency provides residential condo insurance services to clients in Apple Valley, Minnesota. The agency also offers commercial coverage for smaller business properties within the same local area. Agents help condominium owners protect their units and personal belongings against common perils in this region. Policies can be reviewed after a claim is filed or at renewal. The agency encourages contacting them between regular annual visits to adjust coverage as needed.
Debra Suman American Family Insurance in Apple Valley, MN is known for offering personalized condo insurance policies tailored to individual unit owners. Its service range includes helping clients understand the unique coverage needs for condominium properties. The agency assists with standard protections for personal belongings and interior structures. For added security, this office can arrange loss assessment coverage to guard against unexpected special assessments from the homeowners association.
What Does a a Condo Insurance Agent in Apple Valley Cost?
Typical condo insurance premiums in Minnesota range from 300 to 700 dollars per year for a standard HO-6 policy. Costs depend on your unit value, deductible choice, and coverage limits. Factors like location in Apple Valley and claims history also affect the price. This is general information and not insurance advice.
About condo insurance agents in Apple Valley
Condo insurance agents in Apple Valley help owners protect their units and personal property. Minnesota law requires condo associations to insure common areas, but individual unit owners need their own HO-6 policy for interior fixtures and liability. Local agents can explain how the Minnesota Common Interest Ownership Act affects your coverage needs.
Frequently Asked Questions
What does a condo insurance agent in Apple Valley do?
A condo insurance agent helps you find an HO-6 policy that covers your unit interior, personal belongings, and liability. They also explain loss assessment coverage for shared repairs under Minnesota law.
Do I need condo insurance if the association has a master policy?
Yes. The association master policy covers common areas and the building structure. Your individual policy covers your unit fixtures, personal property, and liability. Minnesota law does not require unit owners to buy insurance but most lenders do.
How does Minnesota law affect condo insurance requirements?
Under Minnesota Statutes Chapter 515B, the association must insure common elements. Unit owners are responsible for their own unit and personal property. An agent can help you understand your specific obligations under this law.
Condo Insurance Agents in Other Minnesota Cities
Andover · Anoka · Blaine · Bloomington · Brooklyn Park · Burnsville · Chanhassen · Chaska · Coon Rapids · Cottage Grove · Eagan · Eden Prairie · Edina · Elk River · Inver Grove Heights