The top-rated condo insurance agent in Prior Lake, Minnesota is Mandi Vote- State Farm Insurance Agent, rated 5.0 stars across 214 reviews. Other highly rated options include AB & B Insurance, Jeremy Senn - State Farm Insurance Agent, Lakes Insurance. This directory lists 13 condo insurance agents serving Prior Lake.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Mandi Vote- State Farm Insurance Agent | 16731 State Hwy 13 Suit 109 | (612) 255-0941 |
| 2 | AB & B Insurance | 14198 Commerce Ave NE #700 | (952) 226-1226 |
| 3 | Jeremy Senn - State Farm Insurance Agent | 14033 Commerce Ave NE Suite 102 | (952) 447-8700 |
| 4 | Lakes Insurance | 6885 Boudin St NE | (612) 750-3108 |
| 5 | Prior Lake State Agency | 16677 Duluth Ave SE UNIT 101 | (952) 447-8350 |
| 6 | DeRose Commercial Insurance Group | 15875 Franklin Trail SE #105 | (651) 999-8985 |
| 7 | Van Curler Independent Insurance Agency | 16228 Main Ave SE UNIT 111 | (952) 226-1160 |
| 8 | Nick Atkinson & Associates Inc American Family Insurance | 14180 Commerce Ave NE STE 107 | (952) 226-6999 |
| 9 | Oak Tree Insurance | 15870 Franklin Trail SE #105a | (952) 469-9261 |
| 10 | Goosehead Insurance - Jessica Gillin | 16268 Eagle Creek Ave SE | (612) 439-5544 |
Mandi Vote- State Farm Insurance Agent serves Prior Lake and Scott County, providing specialized condo insurance coverage for local homeowners. The agency helps unit owners understand how master policies interact with individual needs, addressing gaps in personal liability and interior structural protection. Policies typically cover dwelling improvements, personal property, and loss of use. Common services handled in this area include helping clients assess adequate personal liability limits and endorsements for water backup or sewer damage.
AB & B Insurance provides comprehensive condo insurance coverage and personal risk assessment services for property owners in Prior Lake, MN. Its service plans include policy reviews, coverage gap analysis, and tailored consultations to match individual building types and resident needs. Annual maintenance options ensure policies remain updated with local building codes and replacement cost trends. The agency services single-family homes, apartment complexes, retail spaces, and restaurants within the region.
Serving homeowners, property managers, and condo associations in Prior Lake, Minnesota, this agency offers specialized condo insurance policies. It provides coverage for individual unit interiors, personal property, liability protection, and loss assessment fees. Policies are designed to fill gaps left by a building’s master insurance plan. The agent helps clients understand their specific coverage needs based on building age and HOA bylaws. Services extend to residents in Shakopee, ensuring consistent protection for condo owners across the southwestern metro area.
Lakes Insurance serves homeowners, condo owners, and property managers throughout Prior Lake, Minnesota, helping them navigate the specialized insurance requirements that come with condominium living. Its agents assist clients in securing coverage that addresses shared building structures, personal belongings, and liability exposures unique to community associations. They work to explain policy differences between master and individual unit coverage so residents understand their protection needs. The agency also provides its condo insurance expertise to clients in nearby Shakopee and other areas within the southwest metro.
Prior Lake State Agency serves Prior Lake, Minnesota, and the surrounding communities with dedicated condo insurance coverage. The agency handles policies tailored specifically for condominium owners, addressing the unique needs of individual unit coverage and association master policy gaps. They work with various local condominium associations and individual homeowners to ensure proper protection of personal property and interior structures. When managing a typical assignment, the agency carefully reviews the client’s master insurance policy to identify coverage deficiencies and recommends specific endorsements to fill those gaps, ensuring comprehensive protection for the policyholder.
DeRose Commercial Insurance Group in Prior Lake, MN helps clients choose between one-time policies for a new purchase or ongoing coverage that renews annually. Their work focuses on securing protection for individual condo units against interior damage, liability, and loss of personal property. They arrange separate deductibles and coverage gaps that the building’s master policy does not address. Service for new policies runs on a one-time basis, while renewals and policy adjustments are handled as scheduled or as needed.
Van Curler Independent Insurance Agency offers condo insurance expertise in Prior Lake, MN, tailoring coverage specifically for homeowners associations and individual unit owners. It provides guidance on protecting personal property, interior improvements, and liability within a shared building structure. The agency handles general policy reviews and helps clients understand how master policies interact with personal coverage needs. During Minnesota’s harsh winters, it assists condominium owners in preparing for potential freeze-related water damage and structural claims common to this season.
As autumn storms and winter ice threaten Lake Village and nearby condos, Nick Atkinson & Associates Inc American Family Insurance specializes in policies that protect shared structures and individual units. From liability coverage to loss assessment protection, they tailor plans for the unique needs of condo owners in Prior Lake. An initial policy review is conducted to identify gaps and confirm appropriate coverage limits for your specific association requirements.
Oak Tree Insurance in Prior Lake, MN, provides residential condo insurance services to local property owners seeking coverage for their units and personal belongings. Commercial coverage is also available for condominium associations or individual business spaces within such buildings. The agency serves clients throughout Prior Lake and the surrounding areas. A typical engagement involves an initial assessment of policy needs, followed by claims assistance or policy adjustments upon request between regular service intervals.
What Does a a Condo Insurance Agent in Prior Lake Cost?
The cost of a condo insurance policy in Prior Lake typically ranges from 200 to 600 dollars per year for a standard unit. Factors such as the unit value, location, deductible amount, and coverage limits affect the premium. For example, a higher deductible can lower your annual cost. This is general information and not insurance advice.
About condo insurance agents in Prior Lake
A condo insurance agent in Prior Lake, Minnesota can help you find a policy that covers your personal property and interior walls. Minnesota law requires condo associations to carry a master policy, but you still need individual coverage for your unit and belongings. An agent can explain how these policies work together to protect your investment.
Frequently Asked Questions
What does a condo insurance policy in Minnesota cover?
A standard condo policy in Minnesota covers your personal property, interior fixtures, and liability for accidents in your unit. It also provides loss of use coverage if your unit becomes uninhabitable. Your policy typically starts where the association master policy ends.
Do I need condo insurance if the association has a master policy in Prior Lake?
Yes, you still need individual condo insurance. The association master policy covers the building structure and common areas, but it does not cover your personal belongings, interior upgrades, or liability. Your individual policy fills these gaps.
How does Minnesota law affect my condo insurance coverage?
Minnesota Statute 515B.3-113 requires condo associations to maintain property insurance on the common elements. However, unit owners are responsible for insuring their own unit improvements and personal property. Your agent can help you understand your specific obligations under this law.
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