The top-rated condo insurance agent in St Paul, Minnesota is HomeServices Insurance, Inc., rated 4.8 stars across 172 reviews. Other highly rated options include Tom Buckholt - State Farm Insurance Agent, Theisen Escobar Agency, Garry Insurancenter. This directory lists 32 condo insurance agents serving St Paul.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | HomeServices Insurance, Inc. | 119 14th St NW Suite 150 | (800) 277-0013 |
| 2 | Tom Buckholt - State Farm Insurance Agent | 254 Cleveland Ave S | (651) 292-8096 |
| 3 | Theisen Escobar Agency | 428 Minnesota St UNIT 500 | (651) 309-6040 |
| 4 | Garry Insurancenter | 2555 7th Ave E | (651) 777-8361 |
| 5 | Farmers Insurance - Patrick Loucks | 991 Smith Ave S W | (651) 714-7979 |
| 6 | Krog Insurance | 637 Snelling Ave N | (651) 483-2919 |
| 7 | Wilebski Insurance Agency | 101 5th St E suite 202 a | (651) 283-9371 |
| 8 | Insurance Group™ | 445 Minnesota St #1500 | (763) 233-6405 |
| 9 | Mike Hoffman - State Farm Insurance Agent | 2475 Maplewood Dr STE 114 | (651) 770-8732 |
| 10 | Baecker Agency, Inc.: Allstate Insurance | 245 Ruth St N Ste 200 | (651) 730-6666 |
HomeServices Insurance, Inc. offers a full range of condo insurance coverage options, including protection for personal property, liability, and loss assessments. The company provides routine policy reviews to clarify coverage details and helps homeowners adjust deductibles or add endorsements as needed. It conducts regular inspections of unit interiors and recommends appropriate maintenance schedules to help prevent common claims. HomeServices Insurance, Inc. serves single-family homes, apartments, retail spaces, restaurants, and mixed-use condominium developments.
Tom Buckholt - State Farm Insurance Agent in St Paul, Minnesota, serves homeowners, businesses, and property managers who need specialized coverage for condominium units. This agency helps clients understand the gap between master policies and personal needs, tailoring policies for individual condos and common areas. Professional guidance is provided on policy limits, personal liability, and loss assessment coverage for condominium associations and unit owners. The agency is also active in protecting properties and assets throughout the nearby Highland Park and Macalester-Groveland neighborhoods.
Serving St Paul and the surrounding communities in the greater Twin Cities metro area, Theisen Escobar Agency specializes in condo insurance for local unit owners. It handles policies that cover interior structures, personal property, and liability protection within a condominium association’s master plan. The agency also addresses the gap between an individual owner’s needs and the building’s overall coverage. Typically, its representatives begin by reviewing the condo association’s master policy limits, then tailor personal coverage to fill any identified exposures.
Garry Insurancenter in St Paul, Minnesota distinguishes between a single policy purchase and the ongoing service of annual policy reviews to adjust coverage. Their condominium insurance policies protect individual unit interiors, personal belongings, and liability against common area assessments. As needed, they also help clients document changes to their unit or deductible. This agency provides service on a scheduled basis each year with additional support available as needed between renewals.
As winter snow begins to melt across St Paul, many condo owners need to review their insurance coverage for potential water damage from thawing. Farmers Insurance - Patrick Loucks helps local clients select policies that address shared-wall structures, common-area liabilities, and personal property protection in older buildings or newer developments. The company discusses how condo association master policies interact with individual unit coverage before examining specific risks like ice dams or burst pipes. A thorough review of your current policy and a walkthrough of your unit begins the advice process.
Krog Insurance offers specialized condo insurance policies tailored to protect individual unit owners in St Paul, Minnesota. The agency provides comprehensive coverage for interior structures, personal belongings, and liability. It assists clients in understanding master policy gaps and selecting appropriate endorsements. During the harsh Minnesota winter, the company helps condo owners secure coverage for frozen pipe damage and ice dam-related claims that often affect shared residential buildings.
Wilebski Insurance Agency serves St Paul, Minnesota, providing residential condo insurance to condominium owners throughout the area. Commercial coverage is also available for condominium associations and related properties. Policies typically protect against common condo-specific risks such as damage to interior structures, personal liability, and loss of personal property. The agency works with local carriers to adjust coverage as unit values or association requirements change. Clients often return for periodic policy reviews and endorsements to maintain appropriate protection between routine seasonal visits.
Insurance Group in St Paul, Minnesota is recognized for its focused expertise in securing condo insurance policies for local owners. The agency assesses building master policies and unit owner liability, tailoring coverage for personal property and common area assessments. It helps clients navigate gaps between building insurance and their individual needs, ensuring proper protection for their investment. A specialty add-on service includes providing coverage for loss of assessment from shared facility damage.
Mike Hoffman's State Farm Insurance Agency serves the St Paul, Minnesota metro and surrounding Ramsey County with condo insurance solutions. As a licensed provider in this area, the agency helps condominium unit owners protect their personal property and interior structural elements. Coverage options address common challenges such as water damage, liability, and loss assessments from the homeowner association's master policy. The office also handles additional endorsements for better coverage on upgraded fixtures and high-value personal belongings.
Based in St Paul, Baecker Agency, Inc.: Allstate Insurance works with clients to tailor coverage for the unique concerns of condo ownership. Their work routinely includes protecting interior structures, personal property, and liability exposures beyond a condo association’s master policy. A specialty is arranging for loss assessment coverage and better-grade improvements unique to each unit. The agency can serve commercial sectors including office spaces, warehouses, and various food service establishments, addressing their distinct insurance requirements.
What Does a a Condo Insurance Agent in St Paul Cost?
Typical condo insurance costs in Minnesota range from 300 to 600 dollars per year for a standard HO6 policy. Premiums vary based on your units location square footage deductible and the value of your personal property. Older buildings in St Paul may have higher rates due to plumbing or electrical risks. This is general information not insurance advice.
About condo insurance agents in St Paul
A condo insurance agent in St Paul Minnesota can help you understand the coverage gap between your condo associations master policy and your personal unit. Minnesota law requires associations to carry property insurance on common areas but owners need a HO6 policy for interior fixtures and personal liability. Local agents know the specific risks of St Paul neighborhoods like Cathedral Hill and Macalester Groveland.
Frequently Asked Questions
What does a condo insurance agent do in St Paul?
A condo insurance agent reviews your associations master policy and helps you buy a HO6 policy that covers your personal property interior upgrades and liability. They also explain Minnesota statutes that affect condo insurance requirements.
Do I need condo insurance if my association has a master policy?
Yes. The master policy typically covers the building structure and common areas but not your personal belongings interior improvements or liability for accidents inside your unit. A HO6 policy fills those gaps.
Can I bundle condo insurance with auto insurance in Minnesota?
Many agents in St Paul offer multi policy discounts when you bundle your condo insurance with auto or renters insurance. This can lower your total premium by 10 to 15 percent depending on the carrier.
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