The top-rated home insurance agent in Apple Valley, Minnesota is Butler & Associates Insurance Agency, rated 4.9 stars across 242 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 18 home 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 | Mayer Insurance Agency | 15025 Garrett Ave #201 | (952) 432-5900 |
| 9 | Debra Suman American Family Insurance | 14698 Galaxie Ave | (952) 953-0900 |
| 10 | Farmers Insurance - Fink Agency | 14771 Energy Way | (651) 288-5633 |
Butler & Associates Insurance Agency serves the Apple Valley and Dakota County area as a local home insurance agent. The company assists homeowners in finding policies that protect their property and personal belongings against common risks. It works with clients to understand their coverage needs for the structures on their property and for liability concerns. Policies in this region typically cover damage from severe weather events and fire. The agency specifically handles standard homeowners insurance policies and offers personal umbrella liability coverage.
Joe Etten - State Farm Insurance Agent in Apple Valley, MN, serves homeowners, renters, and property managers seeking tailored coverage for their dwellings and personal belongings. The agency helps clients understand policy options for liability protection and disaster recovery. Working with area residents, it provides guidance on adjusting deductibles and bundling home insurance with auto policies for potential discounts. The team also supports small business owners with commercial property solutions. In addition to Apple Valley, the office serves homeowners in nearby Lakeville and surrounding communities.
Dave Melle - State Farm Insurance Agent in Apple Valley, MN, provides a full range of home insurance services, including coverage for dwelling, personal property, and liability protection. It offers service plans that assist with policy reviews and updates to ensure adequate coverage over time. The agency works with clients to understand their specific needs, helping to protect their most valuable investments. It services single-family homes, apartments, retail locations, and restaurants.
Brett McSparron - State Farm Insurance Agent serves the Apple Valley, MN, area and its surrounding communities. The agency handles home insurance policies, helping protect local homeowners against property damage and liability. Day-to-day work involves reviewing coverage needs with clients to match their individual situations. Once a job begins, the agent typically starts by assessing the property and discussing available options with the customer, then presenting clear policy details and customizing the coverage to fit the homeowner’s requirements.
In selecting between a one-time service and ongoing protection, home insurance agents help clients evaluate coverage needs for their property and assets. Farmers Insurance - Kara Petter serves Apple Valley, Minnesota, offering guidance on homeowners policies that address dwelling, personal property, and liability risks. General consultations are available as needed, with annual policy reviews to adjust coverage for changing circumstances. Service runs on an as-needed basis for new policies and claims, with scheduled check-ins recommended each renewal period.
Retta Insurance Agency LLC offers specialized home insurance coverage tailored to properties in Apple Valley, Minnesota. General services include policy reviews, claims assistance, and adjustments for standard homeowners needs. The agency provides detailed guidance on matching deductibles and coverage limits to local housing values. Seasonal help is available for addressing damage from severe winter storms, including ice dams that can lead to roof leaks and interior water issues during the coldest months.
After a heavy Minnesota winter, homeowners in Apple Valley often need to assess roof and siding damage before spring storms arrive. Kiley and Associates LLC American Family Insurance provides local home insurance agent services to address these seasonal concerns by reviewing policies for adequate coverage. They help clients understand how policies respond to wind, hail, and water damage typical in the region. The process of evaluating current protection begins with a convenient in-home inspection or initial assessment of the property to identify specific coverage needs.
Based in Apple Valley, MN, Mayer Insurance Agency advises homeowners on protecting their properties. The company specializes in helping clients add endorsements for valuable personal items and water backup coverage. Policies can be tailored to cover detached structures and inflation guard protections. For local business owners, the agency also provides general liability and property coverage for offices, warehouses, and food service operations.
For residential home insurance in Apple Valley, this agency guides homeowners through policy options that cover dwelling structure and personal property. Commercial coverage is also available for local businesses requiring property protection. The agency serves Apple Valley and the surrounding Minnesota communities, assisting with new policies and policy adjustments as needs change. Repeat service is easily arranged by contacting the office between regular visits, allowing for prompt updates or questions to be addressed directly.
Farmers Insurance - Fink Agency in Apple Valley, MN is known for providing home insurance policies that help protect homeowners against common property risks. The agency offers coverage for dwelling structures, personal belongings, and liability protection in the event of accidents on the premises. Adjustments can be made to account for local weather patterns, such as wind and hail damage common to Minnesota. Customizing a policy to fit specific needs is a standard part of the service. The agency can also add on coverage for valuable personal items like jewelry or electronics.
What Does a a Home Insurance Agent in Apple Valley Cost?
The average annual home insurance premium in Minnesota is around 1,200 to 1,800 dollars for a standard policy. In Apple Valley costs may be higher due to local weather risks like hail and snow. Actual premiums depend on your homes age construction type and coverage limits. This is general information and not insurance advice.
About home insurance agents in Apple Valley
Home insurance agents in Apple Valley Minnesota help homeowners find policies that protect their property and belongings. Minnesota state law requires insurers to offer coverage for certain perils like wind and hail. Agents can explain how local factors such as proximity to the Minnesota River affect your premium.
Frequently Asked Questions
What does a home insurance agent in Apple Valley do?
A home insurance agent helps you compare policies from different companies. They explain coverage limits deductibles and exclusions. They also assist with filing claims and updating your policy as your needs change.
Do I need flood insurance in Apple Valley Minnesota?
Flood insurance is not required by state law but may be required by your mortgage lender if your home is in a flood zone. The city of Apple Valley has areas near the Minnesota River that are at higher flood risk. An agent can help you determine if flood coverage is needed.
How can I lower my home insurance premium in Minnesota?
You can lower your premium by increasing your deductible bundling home and auto insurance or installing security devices. Some insurers offer discounts for newer roofs or home renovations. Minnesota law does not cap premium rates so shopping around with an agent can help you find savings.
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