The top-rated flood insurance agent in Blaine, Minnesota is Ameriguard Insurance Agency, rated 5.0 stars across 606 reviews. Other highly rated options include Tom Holland - State Farm Insurance Agent, Garth Merriman - State Farm Insurance Agent, Hershey & Associates LLC American Family Insurance. This directory lists 18 flood insurance agents serving Blaine.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Ameriguard Insurance Agency | 9380 Central Ave NE #360 | (763) 767-0522 |
| 2 | Tom Holland - State Farm Insurance Agent | 11933 Central Ave NE | (763) 755-8680 |
| 3 | Garth Merriman - State Farm Insurance Agent | 1250 126th Ave NE Bay 500 | (651) 393-4991 |
| 4 | Hershey & Associates LLC American Family Insurance | 9360 Baltimore St NE | (763) 566-8343 |
| 5 | Insurance Brokers of Mn Inc | 11905 Central Ave NE | (763) 862-8889 |
| 6 | Patriot Insurance | 9298 Central Ave NE #422 | (763) 445-2200 |
| 7 | Jeremy R Brandt Agency Inc American Family Insurance | 12265 Central Ave NE STE 101 | (763) 576-8800 |
| 8 | Lofboom Insurance Agency | 12248 Jefferson St NE | (763) 477-1719 |
| 9 | Insurance Brokers of MN (Shawn Nistler) | 11905 Central Ave NE | (763) 784-0143 |
| 10 | Deluxe Insurance Group | 912 125th Ln NE | (763) 398-8770 |
Ameriguard Insurance Agency serves the Blaine, Minnesota area and surrounding Anoka County, specializing in flood insurance agent services. This agency helps property owners understand their risk exposure and secure appropriate coverage against water damage from natural flooding events. Policies are tailored to meet the specific requirements of homes and businesses in designated flood zones. Ameriguard assists clients with navigating complex federal regulations and paperwork. It handles both standard flood insurance policies through the National Flood Insurance Program and private market alternatives.
Tom Holland - State Farm Insurance Agent in Blaine, MN provides flood insurance coverage and risk assessment services for local property owners. It offers policy reviews and updates to maintain appropriate protection as flood zones and property values change. The agent assists with federal flood program documentation and claims guidance after water events. Services are available for single-family homes, apartments, retail locations, and restaurants.
Garth Merriman’s State Farm Insurance agency in Blaine, Minnesota, serves homeowners, business owners, and property managers needing flood insurance for their properties. It helps clients assess coverage needs related to regional water damage risks from heavy rains or snowmelt. The agency also advises on federal program policies and private flood options. In addition to serving Blaine, it covers neighboring communities in Anoka County and the northern Twin Cities metro area.
Serving Blaine, Minnesota, and the surrounding communities, Hershey & Associates LLC American Family Insurance handles residential and commercial flood insurance policies. The agency understands the particular flood risks local properties may face from spring thaws and heavy rainfall in the region. Claims involving water damage from rising waters can be complex, requiring careful documentation and policy review. For a typical job, the agency follows a detailed assessment process, guiding clients through claim filing and policy adjustments.
When homeowners or business owners face the difference between a one-time policy purchase for federal compliance and a recurring annual plan that maintains continuous financial safeguards, Insurance Brokers of Mn Inc in Blaine, MN advises on coverage tailored to local flood zone risks. The company helps clients understand policy boundaries and replacement cost options for properties near water. Their service runs strictly on an as-needed basis, with clients scheduling consultations only when specific insurance guidance or a policy review is necessary.
Patriot Insurance provides flood insurance agent services for property owners in Blaine, Minnesota. The agency generally helps clients assess their specific flood risk and secure appropriate coverage through the National Flood Insurance Program. It assists with navigating policy options for both residential and commercial structures throughout the local area. When spring snowmelt or intense summer storms raise water levels in nearby Rice Creek or surrounding basins, the agency helps property owners understand how to quickly adjust or initiate their flood protection plans.
The seasonal melt and spring storms can bring significant flooding concerns to Blaine homes. Jeremy R Brandt Agency Inc American Family Insurance provides local guidance on securing flood coverage. Recognizing that standard homeowners policies typically exclude flood damage, the agency explains the specific National Flood Insurance Program policies that fill this critical protection gap. Serving the greater Blaine community, they help clients understand the coastal-risk implications of nearby water sources. An initial property inspection and risk consultation with an agent starts the process of evaluating coverage needs.
Lofboom Insurance Agency, located in Blaine, MN, is known for providing flood insurance policies to homeowners and business owners in flood-prone areas. The agency assists clients in securing coverage through the National Flood Insurance Program and private market options, focusing on property protection against rising water. Its range includes consultation for flood risk assessment and policy selection tailored to individual property needs. The agency can further add specialized coverage for sewer backup and groundwater seepage, common local hazards.
Deluxe Insurance Group provides flood insurance coverage for properties in Blaine, Minnesota, tailoring policies to meet a range of risk profiles and community flood zone requirements. It focuses on add-on protections beyond basic flood policies, including coverage for basement contents, detached structures, and temporary living expenses during displacement. The agency works with clients across commercial sectors such as offices, warehouses, and food service operations, ensuring each property type receives appropriate limits and endorsements.
What Does a a Flood Insurance Agent in Blaine Cost?
Typical flood insurance costs in Minnesota range from 500 to 2000 dollars per year for an NFIP policy, depending on flood zone and building characteristics. Private flood insurance may offer lower rates for lower-risk properties but can be higher for high-risk areas. Costs also depend on the deductible and coverage limits you choose. This is general information and not insurance advice.
About flood insurance agents in Blaine
Flood insurance agents in Blaine Minnesota help homeowners and renters secure coverage through the National Flood Insurance Program or private insurers. Minnesota law requires flood insurance for properties in high-risk flood zones if they have a federally backed mortgage. Agents can guide you through flood zone maps and coverage options specific to Blaine.
Frequently Asked Questions
Do I need flood insurance in Blaine Minnesota?
If your property is in a FEMA-designated high-risk flood zone and you have a federally backed mortgage, you are required to carry flood insurance. Even outside high-risk zones, many Blaine residents choose flood insurance because heavy rains can cause flooding.
What does a flood insurance agent do in Blaine?
A flood insurance agent helps you compare NFIP policies and private flood insurance options. They explain coverage limits, deductibles, and exclusions, and help you file a flood insurance claim if damage occurs.
How much does flood insurance cost in Minnesota?
Costs vary by property location, flood zone, and coverage amount. In Minnesota, the average NFIP policy costs around 700 to 1000 dollars per year. Private policies may cost more or less depending on risk factors.
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