The top-rated condo insurance agent in St Cloud, Minnesota is Dan Anderson - State Farm Insurance Agent, rated 5.0 stars across 615 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 condo 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 | Farmers Insurance - Jed Simi | 4180 Thielman Ln Suite 108 | (320) 255-9837 |
| 9 | Rock City Insurance | 14 7th Ave N | (320) 259-4003 |
| 10 | Moe Janssen Schee Agency: Allstate Insurance | 3717 3rd St N | (320) 251-1383 |
Dan Anderson - State Farm Insurance Agent serves the St Cloud, Minnesota area specializing in condo insurance. This agency helps condominium owners secure coverage that protects their personal property and interior structures not covered by the master policy. Their services address the unique risks of attached living spaces, including liability protection and loss assessment coverage for shared building areas. At this location, clients can discuss policies for individual unit modifications and personal liability endorsements.
Kristen Stebbins - State Farm Insurance Agent provides a full range of condo insurance services, including coverage for personal property, liability protection, and loss assessment. The agency helps clients select and maintain appropriate policies tailored to their individual living situations. Routine policy reviews and adjustments are offered to ensure adequate protection as needs change. Located in St Cloud, MN, the agency services single-family homes, apartments, retail properties, and restaurants.
Ken Bellicot - State Farm Insurance Agent in St Cloud, MN provides condo insurance solutions tailored for individual homeowners, property managers, and small business owners. The company guides clients through coverage options that protect personal property and liability for condo association requirements and unit ownership. Their local knowledge helps ensure policies address the specific needs of St Cloud residents and the surrounding region, including Sartell and neighboring communities across the St Cloud metro area.
The Lyle Group: Allstate Insurance serves St. Cloud and the surrounding central Minnesota communities, handling specialized condo insurance policies for local homeowners. It addresses the unique coverage needs of condo owners, including interior structures, personal liability, and loss assessments from their association. For a typical job, the agency reviews the client’s master policy to identify gaps in personal coverage. It then customizes a plan to match the specific value of the individual unit’s contents and finishes.
For one-time visits, a condo insurance agent assesses a policy for immediate needs, whereas recurring service involves periodic reviews and updates to coverage. Hess Partners Insurance Agency in St Cloud, MN, helps residents tailor protection for their individual units and shared-building liability. Adjustments can be made as building regulations or personal assets change. Service runs on an as-needed schedule, accommodating requests when policy modifications or new coverage questions arise.
The Michael Brower Agency, Inc. American Family Insurance helps condo owners in St Cloud, MN protect their personal property and shared building spaces. It offers tailored coverage options for contents and liability above a master policy. Loss assessment protection is available to handle unexpected special charges. This agency also writes policies for commercial ventures located within the area, including offices, warehouses, and food service operations.
As winter thaws in St. Cloud, melting snow can reveal hidden moisture damage in condo roofs and walls. Advantage 1 Insurance helps local unit owners prepare for such seasonal concerns by specializing in coverage for shared-wall properties and association bylaw requirements. Their focus is on policies that address common-area liability and interior structural protection. To ensure accurate coverage for your specific layout and HOA rules, an agent can schedule an initial in-unit inspection before finalizing any policy.
Farmers Insurance - Jed Simi is known for providing renters and homeowners insurance options in St Cloud, MN. Its local condo insurance agency focuses on policies that cover building interiors, personal property, and liability protection. It helps unit owners understand their master policy coverage gaps. Agents review deductibles and special assessments, tailoring limits to the condominium’s specific financial structures. For added protection, the agency can write an assessment coverage endorsement to help pay shared costs after a covered loss to the building.
Rock City Insurance provides residential condo insurance services to clients throughout St Cloud, Minnesota. Their agents also handle commercial coverage for smaller condo associations within the same region. Each policy review focuses on the specific risks of shared-wall living, including building liability and loss assessments. After initial enrollment, agents schedule regular follow-up contacts to address any claim questions or coverage adjustments between renewal visits.
Moe Janssen Schee Agency: Allstate Insurance offers condo insurance policies tailored for unit owners in St Cloud, MN. It helps clients understand differences between master policies and personal coverage. The agency also provides guidance on protecting interior improvements, personal property, and liability. Typical service work includes reviewing policy limits and deductibles with customers. It assists with seasonal concerns like preparing for Minnesota winter risks, such as frozen pipes causing water damage to interior walls and floors in unoccupied condos.
What Does a a Condo Insurance Agent in St Cloud Cost?
Condo insurance in Minnesota typically costs between 300 and 600 dollars per year for a standard policy. Factors like your unit location deductible amount and coverage limits affect the price. Higher value units or those with special features may cost more. This is general information and not insurance advice.
About condo insurance agents in St Cloud
Condo insurance agents in St Cloud Minnesota help you protect your unit and personal property. Minnesota law requires condo associations to carry a master policy but this does not cover your personal belongings or interior improvements. A local agent can explain the difference between bare walls and all in coverage and help you choose the right policy for your situation.
Frequently Asked Questions
What does condo insurance cover in Minnesota?
Condo insurance typically covers your personal property liability and interior structural improvements. In Minnesota the master policy from the association covers the building exterior and common areas. Your individual policy fills the gaps for your unit.
Is condo insurance required in St Cloud Minnesota?
Most mortgage lenders require condo insurance in Minnesota. Even if not required by your lender it is strongly recommended to protect your personal assets. Some condo associations also have minimum coverage requirements in their bylaws.
How do I choose a condo insurance agent in St Cloud?
Look for an agent who understands Minnesota condo laws and the local market. Ask about their experience with condo association master policies and loss assessment coverage. A good agent will help you compare quotes from multiple insurers.
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