The top-rated condo insurance agent in Rochester, Minnesota is Shawn Christensen - State Farm Insurance, rated 4.9 stars across 587 reviews. Other highly rated options include Bruce Fujan - State Farm Insurance Agent, Fortress Insurance & Financial Services, David Jorgenson - State Farm Insurance Agent. This directory lists 20 condo insurance agents serving Rochester.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Shawn Christensen - State Farm Insurance | 1903 Broadway Ave S | (507) 282-1500 |
| 2 | Bruce Fujan - State Farm Insurance Agent | 5025 Hwy 52 N | (507) 281-5194 |
| 3 | Fortress Insurance & Financial Services | 2766 Commerce Dr NW STE D | (507) 424-6200 |
| 4 | David Jorgenson - State Farm Insurance Agent | 401 16th Ave NW Suite 105 | (507) 216-5274 |
| 5 | Atlas Insurance Brokers | 5721 Bandel Rd NW | (507) 252-8720 |
| 6 | Arment & Associates, LLC American Family Insurance | 923 N Broadway Ave | (507) 289-7494 |
| 7 | Connor Faupel Insurance Agency | 3552 West River Pkwy NW | (507) 261-9306 |
| 8 | Matt Kechely - State Farm Insurance Agent | 1712 37th St NW | (507) 282-2637 |
| 9 | Ted W. Smith Insurance | 3228 6th Ave NE | (507) 252-4640 |
| 10 | Sam Ghareeb Insurance Broker | 1500 1st Ave NE #111c | (507) 358-4497 |
Shawn Christensen - State Farm Insurance serves the Rochester, MN metro area as a local condo insurance agent. The agency helps condominium owners protect their units and personal belongings from common risks like fire, theft, and water damage. Coverage options often align with the unique needs of condo HO-6 policies, which fill gaps left by a building's master insurance plan. The agency regularly handles loss assessment coverage and personal liability protection for condo residents.
Bruce Fujan - State Farm Insurance Agent in Rochester, MN provides a comprehensive range of condo insurance services designed to protect individual unit owners and association interests. The agency helps clients understand and secure coverage for dwelling, personal property, and liability protection, addressing gaps in master policies. Regular policy reviews ensure coverage keeps pace with changing property values and local building costs. Maintenance and service plans are tailored to condominium communities, offering flexible payment options and ongoing support for claims. The agency services properties including single-family homes, apartments, retail spaces, and local restaurants.
Serving homeowners and property managers in Rochester, Minnesota, Fortress Insurance & Financial Services provides coverage plans tailored specifically for condo insurance needs. This agency helps clients protect their individual units and personal belongings, bridging the gap between personal property and building master policies. Policyholders can address liability concerns and interior structural risks common to multi-unit dwellings. The agency further extends its condo insurance services to the nearby community of Byron, ensuring broader coverage access throughout Olmsted County.
David Jorgenson - State Farm Insurance Agent in Rochester, MN provides condo insurance coverage that addresses both common area liability and personal property protection. Clients may choose between a one-time policy setup for single-unit owners or recurring annual coverage that automatically updates with building changes. Comprehensive plans typically protect against theft, fire, water damage, and unit owner liability within the condominium complex. Service runs on an as-needed basis for individual policy adjustments.
Atlas Insurance Brokers serves Rochester, Minnesota, and the surrounding communities in Olmsted County. The company handles condo insurance policies tailored specifically for condominium unit owners in the area. It works to address the unique coverage needs arising from a condo association’s master policy and the owner’s personal liability. To handle a typical job, the agency first reviews the client’s current master policy summary, then matches individual coverage for interior improvements, personal property, and loss assessment protection.
Arment & Associates, LLC American Family Insurance provides specialized condo insurance policies in Rochester, MN, covering individual unit interiors and shared building structures. Its general services include liability protection and personal property coverage tailored for condominium owners in this area, helping clients meet their homeowners association requirements. The agency also assists policyholders with loss assessment coverage and disaster planning, such as preparing for Minnesota’s winter freeze risks to prevent burst pipe damage.
As the harsh Minnesota winters give way to spring thaws, condo owners in Rochester must account for potential water damage from ice dams or melting snow. Connor Faupel Insurance Agency addresses these seasonal risks by structuring coverage tailored to shared-wall dwellings and common-area liabilities. The company guides clients through policy details that align with local homeowners association bylaws, ensuring proper protection for both interior finishes and personal belongings. A typical start involves an in-person inspection of the unit to assess specific structural exposures.
Matt Kechely - State Farm Insurance Agent in Rochester, MN helps clients secure general liability protection for their condominium properties. This agent also provides tailored coverage add-ons that address common condo exposures, such as interior damage from water leaks and theft of personal belongings. By assessing each unit’s individual risks, the agency ensures policyholders receive appropriate protection. Its commercial condo insurance services can serve office spaces, shared storage warehouses, and onsite food service facilities.
Ted W. Smith Insurance assists residents in Rochester, MN, with residential condo coverage, including individual unit policies. The company also offers commercial insurance to protect shared building elements and association property. Service extends throughout the local area, ensuring proper policy alignment for unit owners. Clients receive detailed explanations of coverage during initial consultations. The agency encourages customers to review their policies with a service agent ahead of seasonal changes. This proactive approach allows for timely follow-up inquiries or repeat service adjustments between regular scheduled visits.
Sam Ghareeb Insurance Broker is a Rochester, Minnesota agency known for specializing in condo insurance, offering policies tailored to individual unit owners. Coverage typically protects interior fixtures, personal belongings, and liability within a condominium complex. The agency assists clients in navigating master policy gaps and securing appropriate dwelling and loss assessment endorsements. Additional services often include bundling options with auto or renters policies for consolidated protection. A specialty service it can provide is scheduled personal property coverage for high-value items like jewelry or fine art.
What Does a a Condo Insurance Agent in Rochester Cost?
Condo insurance in Minnesota typically costs between 300 and 600 dollars per year for a standard HO6 policy. Factors that affect price include your units location in Rochester, the deductible amount, and the value of your personal property. Older buildings or units with high value finishes may cost more. This is general information and not insurance advice.
About condo insurance agents in Rochester
Condo insurance agents in Rochester Minnesota help you protect your unit with an HO6 policy. Minnesota law requires condo associations to insure common areas but your personal property and interior walls are your responsibility. A local agent can explain how to meet your mortgage lenders requirements and avoid gaps in coverage.
Frequently Asked Questions
What does a condo insurance agent in Rochester do?
A condo insurance agent helps you find an HO6 policy that covers your personal belongings, interior fixtures, and liability. They review your condo associations master policy to ensure you have enough coverage for deductibles and improvements. Agents in Rochester know local building costs and Minnesota insurance regulations.
Is condo insurance required in Minnesota?
Yes, most mortgage lenders require you to have an HO6 policy. Even if you own your unit outright, Minnesota law does not require condo insurance but your association bylaws may mandate it. An agent can help you understand what your association requires.
How much condo insurance do I need in Rochester?
You need enough coverage to rebuild your units interior and replace your personal property. A good rule is to insure for at least 20 percent of your units value or the amount specified by your association. Your agent can calculate the right limits based on Rochester construction costs.
Condo Insurance Agents in Other Minnesota Cities
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