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Directory of home insurance agents in Otsego, Minnesota. Verify credentials with the state department of insurance before hiring.
8 agents listed
Updated May 2026
Otsego, MN
Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeInsuranceUSA.com. We do not endorse any agent or guarantee outcomes. Verify licensing and disciplinary status with the Department of Insurance of Minnesota before hiring.
Showing 8 home insurance agents in Otsego, MN
Listings are displayed in no particular order and are not ranked by BeforeInsuranceUSA. Order does not constitute a recommendation or endorsement of any agent.
Shawna Kolles - State Farm Insurance Agent
9125 Quaday Ave NE # 101, Otsego, MN 55330
(763) 332-3052
kollesinsureme.com
Solid Ground Insurance
17649 51st St NE, Otsego, MN 55374
(763) 464-8240
solidgroundinsurance.com
EnviZion Insurance
14271 77th St NE, Otsego, MN 55330
(612) 354-6496
ezinsuranceplan.com
Kroger Insurance Agency
17625 52nd St NE, Otsego, MN 55374
(763) 245-9484
krogeragency.com
State Insurance
11620 77th St NE, Otsego, MN 55301
(763) 691-9515
Todd Shatusky American Family Insurance
9201 Quaday Ave NE # 201, Otsego, MN 55330
(763) 241-9229
amfam.com
First American Title Insurance Company
9201 Quaday Ave NE Suite 209, Otsego, MN 55330
(763) 786-9695
local.firstam.com
Farmers Insurance - Laura Haller
9040 Quaday Ave NE Ste 204, Otsego, MN 55330
(763) 298-8600
agents.farmers.com
Home insurance agents in Otsego, Minnesota help residents find coverage for their homes and personal property. Minnesota law requires insurers to offer a standard fire insurance policy, and agents can explain additional options like wind or hail coverage. Working with a local agent ensures you understand how your policy fits Otsego weather patterns and building costs.
What Does a Home Insurance Agent in Otsego Cost?
The average cost of home insurance in Minnesota is around $1,200 to $1,800 per year for a standard policy, but rates vary by home value, location, and coverage level. In Otsego, factors like the age of your home and proximity to fire stations can affect your premium. This is general information and not insurance advice.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not insurance advice — consult directly with an agent for fee specifics.
Frequently Asked Questions
What does a home insurance agent in Otsego do?
A home insurance agent helps you compare policies from different insurers and choose coverage that fits your needs. They can explain Minnesota-specific requirements, such as the standard fire policy mandate. Agents also assist with filing claims and updating your policy after life changes.
Is home insurance required in Minnesota?
Minnesota law does not require homeowners to carry insurance, but most mortgage lenders do require it. If you have a loan, your lender will likely ask for proof of coverage. An agent can help you meet those requirements.
How do I choose a home insurance agent in Otsego?
Look for an agent licensed in Minnesota who has experience with homes in the Otsego area. Ask about their knowledge of local risks like severe storms or flooding. You can verify a license through the Minnesota Department of Commerce.
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Notice
BeforeInsuranceUSA.com is not an insurance agency, agent referral service, or insurance advice provider. No agent-client relationship is formed by submitting a form or using this site. We do not endorse, recommend, or vouch for the qualifications of any agent. Past results do not guarantee future outcomes. Each situation is different. Verify agent credentials with your state department of insurance before hiring.
About Our Listings
Agents listed on BeforeInsuranceUSA.com are compiled from publicly available directories, state department of insurance records, and business listings. Inclusion does not constitute endorsement. We do not verify agent licensing, disciplinary status, or qualifications. Verify each agent's current standing with the Department of Insurance of Minnesota.