The top-rated condo insurance agent in Shakopee, Minnesota is Katie Odeen - State Farm Insurance Agent, rated 5.0 stars across 284 reviews. Other highly rated options include Farmers Insurance - Bradley Hansen, Brad Billings - State Farm Insurance Agent, Eric Means - State Farm Insurance Agent. This directory lists 16 condo insurance agents serving Shakopee.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Katie Odeen - State Farm Insurance Agent | 1226 4th Ave E #110 | (952) 225-5450 |
| 2 | Farmers Insurance - Bradley Hansen | 8170 Old Carriage Ct Suite 200 | (952) 222-4479 |
| 3 | Brad Billings - State Farm Insurance Agent | 255 1st Ave E | (952) 445-3362 |
| 4 | Eric Means - State Farm Insurance Agent | 1667 17th Ave E #103 | (952) 446-7067 |
| 5 | Farmers Insurance - Robert Whitcomb | 132 Holmes St S | (952) 942-2082 |
| 6 | Innovative Insurance Services LLC | 8091 Old Carriage Ct | (952) 445-5767 |
| 7 | HomeTown Insurance | 950 Vierling Dr W Suite 100 | (952) 873-1876 |
| 8 | JJ Insurance | 1038 1st Ave E | (952) 283-3067 |
| 9 | Robert Loonan American Family Insurance | 1221 4th Ave E #165 | (952) 445-8100 |
| 10 | WR Insurance Agency, LLC | 327 Marschall Rd Suite 380 | (612) 799-6972 |
Katie Odeen - State Farm Insurance Agent serves the Shakopee, Minnesota area and surrounding Scott County communities, specializing in condo insurance agency services. This agency helps condominium owners protect their personal property, interior fixtures, and liability within their individual units. Policies are designed to cover gaps between a condo association’s master policy and the unit owner’s personal needs. The agent also assists with loss assessment coverage, which protects owners when the association levies a special assessment for a common-area claim.
Farmers Insurance - Bradley Hansen provides a range of services focused on condo insurance, including tailored coverage for individual unit owners and association policies. Its approach involves assessing specific needs for personal property, liability, and loss assessment coverage to protect against common risks in Shakopee. The company also helps clients understand maintenance responsibilities between owners and associations. This agency services single-family homes, apartments, retail locations, and restaurants in the local area.
Brad Billings with State Farm Insurance serves homeowners and condo owners in Shakopee, Minnesota, providing tailored coverage for individual units and shared building structures. Their condo insurance policies help protect personal property, liability, and interior improvements against common risks. The agency assists clients in understanding master policy gaps to ensure proper protection for their unique residential needs. This insurance agent also works with residents in neighboring communities like Prior Lake and the greater Twin Cities metro area.
Eric Means - State Farm Insurance Agent in Shakopee, MN, provides condo insurance coverage tailored to unit owners in the area. The difference between a one-time policy purchase and ongoing service involves periodic policy reviews versus regular adjustments for changing property values and personal liability needs. Coverage typically includes interior structure protection, personal property, loss assessment, and liability for common areas. Service runs on a scheduled, repeat basis with annual policy renewals and as-needed consultations for claim support or coverage updates following structural improvements to the unit.
Farmers Insurance - Robert Whitcomb serves Shakopee and the surrounding Minnesota communities, handling condo insurance plans for local residents and property owners. The agency specializes in policies that cover individual unit interiors, personal liability protection, and loss assessment coverage for condo association members. Each client receives thorough consultation to explain the difference between master building policies and personal unit needs. To handle a typical job, the agency begins by reviewing the association’s master policy documents and then tailors personal coverage to match the unit owner’s specific risk exposure.
Innovative Insurance Services LLC specializes in condo insurance options for property owners in Shakopee, Minnesota. The agency assists clients with tailoring coverage to fit individual unit needs, including protection for personal belongings and liability. It also guides policyholders through general insurance requirements common to condominium associations in the area. When winter weather increases the risk of frozen pipes or ice dam damage, the company helps residents review their existing coverage limits to ensure adequate financial protection.
As winter snow and ice melt in Shakopee, moisture risks increase for condos. HomeTown Insurance helps local condo owners address these specific coverage needs. A standard homeowner's policy often excludes common area damage or shared liability, which this agency clarifies. They review individual unit policies and association master plans carefully to close gaps. Evaluating exposure from pipes, roofs, and parking structures is essential here. Their service begins with an on-site inspection of your unit and building common areas.
JJ Insurance provides condo insurance coverage for property owners in Shakopee, helping them protect their individual units and personal belongings. The company specializes in adding endorsements for loss assessment and water damage from common areas. Policyholders can secure tailored plans that address both interior liabilities and shared building exposures. In addition to residential work, JJ Insurance serves office complexes, warehouse facilities, and food service operations needing commercial property protection.
Robert Loonan American Family Insurance in Shakopee, MN provides residential condo insurance services, helping protect individual units and common property. Commercial coverage for condominium associations is also available within the local area. Agents work with policyholders to assess building regulations and personal property needs for a complete plan. Clients can follow up on policy adjustments or claims between regular visits to maintain proper coverage throughout the year.
WR Insurance Agency, LLC, in Shakopee, MN, is a dedicated condo insurance agent providing tailored coverage for individual unit owners. It helps clients navigate the unique needs of protecting personal belongings and interior structures not covered by a condominium association’s master policy. The agency regularly assists residents in finding appropriate liability protection and loss assessment coverage. For a more comprehensive approach, it can also add on a policy endorsement for additional living expenses if a unit becomes uninhabitable due to a covered loss.
What Does a a Condo Insurance Agent in Shakopee Cost?
Typical costs for a condo insurance policy in Minnesota range from 200 to 600 dollars per year for a standard HO-6 policy. Factors like your unit value, deductible choice, and location in Shakopee affect the premium. This is general information and not insurance advice.
About condo insurance agents in Shakopee
Condo insurance agents in Shakopee Minnesota help you understand the unique coverage needs for condominium owners. Unlike standard homeowners insurance, condo insurance must account for the master policy held by the homeowners association. Minnesota law requires agents to clearly explain what the master policy covers and what you need for your personal unit and belongings.
Frequently Asked Questions
What does a condo insurance agent in Shakopee do?
A condo insurance agent reviews your HOA master policy and helps you buy an HO-6 policy to cover gaps. They explain coverage for your personal property, interior walls, and liability. Agents in Shakopee are licensed by the Minnesota Department of Commerce.
Do I need condo insurance if the HOA has a master policy?
Yes. The HOA master policy typically covers the building structure and common areas but does not cover your personal belongings or interior upgrades. An HO-6 policy fills these gaps and provides liability protection if someone is injured in your unit.
How does Minnesota law affect condo insurance requirements?
Minnesota Statute 515B.3-113 requires the HOA to maintain property insurance on the common elements. Your individual policy must cover your unit improvements and personal property. An agent can help you understand your legal obligations under this statute.
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