The top-rated condo insurance agent in Lakeville, Minnesota is Jill Henning - State Farm Insurance Agent, rated 5.0 stars across 471 reviews. Other highly rated options include Pete Peterson - State Farm Insurance Agent, Andrew Wagner - State Farm Insurance Agent, Insuring Minnesota. This directory lists 18 condo insurance agents serving Lakeville.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Jill Henning - State Farm Insurance Agent | 9057 203rd St W Suite 100 | (952) 895-9596 |
| 2 | Pete Peterson - State Farm Insurance Agent | 7702 160th St W | (952) 683-9933 |
| 3 | Andrew Wagner - State Farm Insurance Agent | 10639 165th St W | (952) 898-9777 |
| 4 | Insuring Minnesota | 20960 Holyoke Ave | (952) 222-8073 |
| 5 | Robert Joswiak - State Farm Insurance Agent | 20838 Holyoke Ave | (952) 469-2285 |
| 6 | Miller-Hartwig Insurance | 20960 Holyoke Ave | (952) 469-5502 |
| 7 | Randy Fulsaas Insurance | 20960 Holyoke Ave | (952) 469-0411 |
| 8 | Farmers Insurance - John Yoder | 20520 Keokuk Ave Ste Ll50 | (952) 777-7100 |
| 9 | Farmers Insurance - Robert Curtis | 19950 Dodd Blvd STE 104 | (952) 985-9800 |
| 10 | Radle Insurance Services | 10609 165th St W | (952) 435-3622 |
Jill Henning - State Farm Insurance Agent serves the Lakeville, Minnesota area with specialized condo insurance services. The company helps local condominium owners secure coverage that protects their individual unit, personal belongings, and liability. This includes policies tailored to the unique risks of shared-wall living, such as water damage from adjacent units and gaps in condo association coverage. Jill Henning handles personal property protection and liability coverage for condo dwellers.
Pete Peterson - State Farm Insurance Agent provides condo insurance coverage tailored to individual policies and building association master plans. Its service includes helping clients assess liability protections and personal property needs that align with specific association requirements. Ongoing policy maintenance involves regular coverage reviews and updates to reflect changes in property values or community bylaw adjustments. The agency services single-family homes, apartments, retail spaces, and restaurants throughout Lakeville, MN.
Andrew Wagner, a State Farm Insurance agent in Lakeville, Minnesota, serves homeowners, property managers, and condo association boards seeking tailored coverage for individual units and shared building structures. This agency helps protect personal belongings and liability within condo policies while addressing unique master policy gaps and common area risks. Policies from this office aim to cover interior fixtures, upgrades, and loss assessment exposure that a condo owner might face. The agency also provides its services to clients in nearby Burnsville and Apple Valley within the south metro area.
Serving Lakeville and the surrounding communities in Minnesota, Insuring Minnesota assists clients with the specific needs of condo ownership. This work typically includes tailoring policies for interior structures, personal property, and individual liability within a larger association. To complete a typical job, the agent carefully reviews the building’s master policy alongside the client’s unit and possessions to identify coverage gaps.
Robert Joswiak - State Farm Insurance Agent in Lakeville, MN, distinguishes between one-time condo insurance policies for a single closing and recurring annual options that renew. Coverage generally protects interior structures, personal belongings, and liability for unit owners within a shared building. As a local agent, services are tailored to individual policy needs and scheduled on an as-needed basis for policy updates or claims filing.
Miller-Hartwig Insurance specializes in providing condo insurance policies tailored to individual unit owners in Lakeville, MN. The agency works with clients to secure coverage for personal property, interior improvements, and liability protection, ensuring policies align with association master plans. It also offers general homeowner insurance guidance for local residents. In winter, the agency helps condominium owners address unique risks such as frozen pipes and slip-and-fall liability from icy walkways.
As winter snow thaws in Lakeville, condo owners often discover hidden roof or gutter issues that threaten their investment. Randy Fulsaas Insurance addresses these seasonal risks by tailoring coverage specifically for shared-wall properties and association bylaws. The agency structures policies to protect individual interiors while aligning with master HOA plans, helping clients avoid coverage gaps for fixtures and personal liability. A thorough on-site inspection of the unit’s layout and potential hazards is the first step toward securing appropriate protection.
Located in Lakeville, Minnesota, Farmers Insurance - John Yoder provides standard condo insurance policies for local property owners. These base plans are then enhanced through specialized endorsements for flood damage, personal liability, and loss of use coverage. The agency structures its policies to address both the unit interior and shared building responsibilities common in Minnesota housing associations. Business clients can also secure tailored coverage for commercial sectors, including offices, warehouses, and food service establishments.
Farmers Insurance - Robert Curtis provides residential condo insurance services in Lakeville, Minnesota, and also offers commercial coverage options for local property owners within the surrounding area. This agency handles policy inquiries and coverage adjustments for individual unit owners and complex associations. Following an initial consultation or claim, clients can rely on continued support for renewals and updates between regular visits, ensuring existing policies remain aligned with changing needs.
Radle Insurance Services in Lakeville, MN, is known for providing condo insurance that covers personal property and shared building structures. The agency guides clients through policy options, including liability protection for common areas and individual units. Condo policies often fill gaps left by building master plans. Services extend to assessing coverage limits based on replacement costs and seasonal risks common in the area. As a specialty service, Radle Insurance can add an endorsement for ordinance or law coverage to help with updated building code upgrades after a covered loss.
What Does a a Condo Insurance Agent in Lakeville Cost?
Typical condo insurance premiums in Minnesota range from 300 to 700 dollars per year for a standard HO-6 policy. Costs depend on your unit value, location in Lakeville, deductible choice, and coverage limits. Factors such as the association master policy deductible and your claims history also affect the price. This is general information and not insurance advice.
About condo insurance agents in Lakeville
A condo insurance agent in Lakeville Minnesota helps you understand the unique coverage needs for your condominium unit. Minnesota law requires condo associations to carry a master policy, but that policy typically does not cover your personal belongings or interior improvements. An agent can explain how an HO-6 policy fills those gaps and meets your lender requirements.
Frequently Asked Questions
What does a condo insurance agent in Lakeville do?
A condo insurance agent helps you find an HO-6 policy that covers your personal property, interior fixtures, and liability. They also review your association master policy to avoid coverage gaps. In Minnesota, the agent can explain how the master policy deductible may apply to you.
Do I need condo insurance if my association has a master policy?
Yes. The association master policy usually covers the building structure and common areas but not your personal belongings or upgrades. Minnesota law does not require unit owners to carry HO-6 insurance, but most lenders do. An agent can help you choose appropriate coverage limits.
How does Minnesota law affect condo insurance requirements?
Minnesota Statutes Section 515B.3-113 requires condo associations to maintain property insurance on the common elements. However, unit owners are responsible for their own interior improvements and personal property. An agent can explain how the master policy deductible allocation works in Lakeville.
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