The top-rated home insurance agent in St Cloud, Minnesota is Dan Anderson - State Farm Insurance Agent, rated 5.0 stars across 611 reviews. Other highly rated options include Kristen Stebbins - State Farm Insurance Agent, Ken Bellicot - State Farm Insurance Agent, The Lyle Group: Allstate Insurance. This directory lists 18 home insurance agents serving St Cloud.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Dan Anderson - State Farm Insurance Agent | 300 23rd Ave N | (320) 253-4656 |
| 2 | Kristen Stebbins - State Farm Insurance Agent | 1988 Co Rd 134 | (320) 251-8353 |
| 3 | Ken Bellicot - State Farm Insurance Agent | 2904 Roosevelt Rd #2 | (320) 251-4686 |
| 4 | The Lyle Group: Allstate Insurance | 30 15th Ave S | (320) 253-4994 |
| 5 | Hess Partners Insurance Agency | 31 33rd Ave N | (320) 255-0417 |
| 6 | Michael Brower Agency, Inc. American Family Insurance | 1727 W St Germain St | (320) 252-5151 |
| 7 | Advantage 1 Insurance | 3801 3rd St N | (320) 252-6650 |
| 8 | Rock City Insurance | 14 7th Ave N | (320) 259-4003 |
| 9 | Moe Janssen Schee Agency: Allstate Insurance | 3717 3rd St N | (320) 251-1383 |
| 10 | Auto-Owners Insurance St. Cloud Claims | 3601 18th St S | (320) 251-1451 |
Dan Anderson - State Farm Insurance Agent serves the St Cloud, Minnesota area as a home insurance agent. The company offers policies designed to protect homeowners against common property risks. Coverage options typically address damage from fire, wind, and theft, along with liability protection. Residents can consult with the agent to review their dwelling coverage limits and personal property needs. This agency also helps clients explore options for basement water backup protection.
Kristen Stebbins - State Farm Insurance Agent provides a full range of home insurance services, including coverage options tailored to protect residential property and liability. The company helps clients evaluate and select policies that align with their individual protection needs, offering ongoing support for policy updates and claims assistance. It serves a variety of properties in St Cloud, MN, including single-family homes, apartments, retail spaces, and restaurants.
Ken Bellicot - State Farm Insurance Agent serves homeowners, businesses, and property managers in St Cloud, Minnesota, with personal home insurance policies and related coverage options. The office provides guidance on protecting residential property, personal belongings, and liability exposure. As a local State Farm agent, assistance is offered with evaluating different deductibles, policy limits, and bundling opportunities for clients seeking tailored protection for their homes. The agency also provides service to homeowners in nearby communities such as Sartell and Sauk Rapids in the greater St Cloud metro area.
Serving St. Cloud and the surrounding central Minnesota communities, The Lyle Group: Allstate Insurance handles home insurance policies for local homeowners. The agency works with clients to understand the specific coverage needs that protect a house and its contents against common regional risks. Property protection includes addressing potential damages from weather events common to the area. For each typical policy, the agent reviews and explains coverage options, helping customers select the right protection for their individual property and situation.
Hess Partners Insurance Agency in St Cloud, MN distinguishes between one-time policy setup guidance and recurring coverage management for homeowners. Their services focus on protecting residential property against common regional risks such as storm damage, fire, and liability claims. Policy options are typically reviewed annually to adjust for changes in property value or personal assets. All assistance is provided on a scheduled basis, with annual policy renewals and interim as-needed consultations for claims or coverage adjustments.
Based in St. Cloud, Minnesota, Michael Brower Agency, Inc. American Family Insurance helps local homeowners create coverage plans that safeguard their property and personal belongings. This agency can also arrange for specialized endorsements to protect high-value items or cover additional living expenses after a major loss. Commercial policies are available for area offices, smaller warehouses with inventory, and food service operators needing liability and equipment protection.
After a harsh Minnesota winter leaves a St. Cloud home with ice dam damage or storm-battered roofing, Advantage 1 Insurance helps owners review their homeowners policy to confirm adequate structural and liability coverage. This agency guides residents through the process of matching protection to their property’s current value and specific local weather risks. An initial consultation to tour the home and identify potential hazards is the first step in building an appropriate insurance plan.
Rock City Insurance provides residential home insurance services to homeowners in St Cloud, Minnesota. The agency also offers commercial coverage options for local businesses within the area, ensuring comprehensive protection for various property needs. As licensed agents, they assist clients in comparing standard policies and customizable endorsements to match individual risks and budgets. Follow-up consultations and policy reviews are available between regular service periods to address changes in coverage or property value.
Moe Janssen Schee Agency offers home insurance policies tailored to protect residential property and personal belongings. As an Allstate agent serving St Cloud, MN, the agency provides general guidance on standard coverage options and replacement cost valuations. It assists clients with policy updates, new home purchases, and claims support following local weather events. The agency also helps evaluate coverage adjustments needed after a severe Minnesota winter or spring storm damage.
Auto-Owners Insurance St. Cloud Claims is known for providing home insurance agent services to residents in St. Cloud, Minnesota. The company helps homeowners protect their properties by offering policies that cover damage, liability, and personal belongings. Clients can discuss their needs for dwelling coverage or additional protection against common regional weather risks. This agency can also add on a specialty service for water backup coverage from drains or sump pump overflows.
What Does a a Home Insurance Agent in St Cloud Cost?
The average cost of home insurance in Minnesota is around $1,200 to $2,000 per year for a standard policy, but rates vary by home value, location, and coverage level. In St Cloud, factors like the age of your home, your claims history, and your credit score affect your premium. This is general information and not insurance advice.
About home insurance agents in St Cloud
Home insurance agents in St Cloud, Minnesota help you find coverage for your house and belongings. Minnesota law requires insurers to offer specific wind and hail coverage on homeowners policies. Local agents understand the risks of central Minnesota weather including snow loads and ice dams.
Frequently Asked Questions
What does a home insurance agent in St Cloud do?
A home insurance agent helps you compare policies from different insurance companies. They explain coverage options like dwelling protection, personal property, and liability. They also assist with claims and policy changes.
Do I need flood insurance in St Cloud Minnesota?
Standard home insurance does not cover flood damage. In St Cloud, flood insurance is recommended if you live near the Mississippi River or in a flood zone. You can buy flood insurance through the National Flood Insurance Program or a private insurer.
How do I choose a home insurance agent in St Cloud?
Look for an agent licensed in Minnesota with experience in the St Cloud area. Ask about their knowledge of local weather risks and coverage options. Check their reviews and verify their license with the Minnesota Department of Commerce.
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