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HomeHome Insurance AgentsMinnesota › St Cloud

Find Home Insurance Agents Near You in St Cloud, MN

Browse home insurance agents serving St Cloud, Minnesota. Updated 2026-07-14.

The top-rated home insurance agent in St Cloud, Minnesota is Dan Anderson - State Farm Insurance Agent, rated 5.0 stars across 611 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 home insurance agents serving St Cloud.

Showing 18 home insurance agents in St Cloud, MNListings are displayed in no particular order and are not ranked. Order does not constitute a recommendation or endorsement.

Comparison

Top 10 listings
#NameAddressPhone
1Dan Anderson - State Farm Insurance Agent300 23rd Ave N(320) 253-4656
2Kristen Stebbins - State Farm Insurance Agent1988 Co Rd 134(320) 251-8353
3Ken Bellicot - State Farm Insurance Agent2904 Roosevelt Rd #2(320) 251-4686
4The Lyle Group: Allstate Insurance30 15th Ave S(320) 253-4994
5Hess Partners Insurance Agency31 33rd Ave N(320) 255-0417
6Michael Brower Agency, Inc. American Family Insurance1727 W St Germain St(320) 252-5151
7Advantage 1 Insurance3801 3rd St N(320) 252-6650
8Rock City Insurance14 7th Ave N(320) 259-4003
9Moe Janssen Schee Agency: Allstate Insurance3717 3rd St N(320) 251-1383
10Auto-Owners Insurance St. Cloud Claims3601 18th St S(320) 251-1451
DA
300 23rd Ave N
Dan Anderson - State Farm Insurance Agent
Home Insurance Agent · St Cloud, MN

Dan Anderson - State Farm Insurance Agent serves the St Cloud, Minnesota area as a home insurance agent. The company offers policies designed to protect homeowners against common property risks. Coverage options typically address damage from fire, wind, and theft, along with liability protection. Residents can consult with the agent to review their dwelling coverage limits and personal property needs. This agency also helps clients explore options for basement water backup protection.

KS
1988 Co Rd 134
Kristen Stebbins - State Farm Insurance Agent
Home Insurance Agent · St Cloud, MN

Kristen Stebbins - State Farm Insurance Agent provides a full range of home insurance services, including coverage options tailored to protect residential property and liability. The company helps clients evaluate and select policies that align with their individual protection needs, offering ongoing support for policy updates and claims assistance. It serves a variety of properties in St Cloud, MN, including single-family homes, apartments, retail spaces, and restaurants.

KB
2904 Roosevelt Rd #2
Ken Bellicot - State Farm Insurance Agent
Home Insurance Agent · St Cloud, MN

Ken Bellicot - State Farm Insurance Agent serves homeowners, businesses, and property managers in St Cloud, Minnesota, with personal home insurance policies and related coverage options. The office provides guidance on protecting residential property, personal belongings, and liability exposure. As a local State Farm agent, assistance is offered with evaluating different deductibles, policy limits, and bundling opportunities for clients seeking tailored protection for their homes. The agency also provides service to homeowners in nearby communities such as Sartell and Sauk Rapids in the greater St Cloud metro area.

LG
30 15th Ave S
The Lyle Group: Allstate Insurance
Home Insurance Agent · St Cloud, MN

Serving St. Cloud and the surrounding central Minnesota communities, The Lyle Group: Allstate Insurance handles home insurance policies for local homeowners. The agency works with clients to understand the specific coverage needs that protect a house and its contents against common regional risks. Property protection includes addressing potential damages from weather events common to the area. For each typical policy, the agent reviews and explains coverage options, helping customers select the right protection for their individual property and situation.

HP
31 33rd Ave N
Hess Partners Insurance Agency
Home Insurance Agent · St Cloud, MN

Hess Partners Insurance Agency in St Cloud, MN distinguishes between one-time policy setup guidance and recurring coverage management for homeowners. Their services focus on protecting residential property against common regional risks such as storm damage, fire, and liability claims. Policy options are typically reviewed annually to adjust for changes in property value or personal assets. All assistance is provided on a scheduled basis, with annual policy renewals and interim as-needed consultations for claims or coverage adjustments.

MB
1727 W St Germain St
Michael Brower Agency, Inc. American Family Insurance
Home Insurance Agent · St Cloud, MN

Based in St. Cloud, Minnesota, Michael Brower Agency, Inc. American Family Insurance helps local homeowners create coverage plans that safeguard their property and personal belongings. This agency can also arrange for specialized endorsements to protect high-value items or cover additional living expenses after a major loss. Commercial policies are available for area offices, smaller warehouses with inventory, and food service operators needing liability and equipment protection.

A1
3801 3rd St N
Advantage 1 Insurance
Home Insurance Agent · St Cloud, MN

After a harsh Minnesota winter leaves a St. Cloud home with ice dam damage or storm-battered roofing, Advantage 1 Insurance helps owners review their homeowners policy to confirm adequate structural and liability coverage. This agency guides residents through the process of matching protection to their property’s current value and specific local weather risks. An initial consultation to tour the home and identify potential hazards is the first step in building an appropriate insurance plan.

RC
14 7th Ave N
Rock City Insurance
Home Insurance Agent · St Cloud, MN

Rock City Insurance provides residential home insurance services to homeowners in St Cloud, Minnesota. The agency also offers commercial coverage options for local businesses within the area, ensuring comprehensive protection for various property needs. As licensed agents, they assist clients in comparing standard policies and customizable endorsements to match individual risks and budgets. Follow-up consultations and policy reviews are available between regular service periods to address changes in coverage or property value.

MJ
3717 3rd St N
Moe Janssen Schee Agency: Allstate Insurance
Home Insurance Agent · St Cloud, MN

Moe Janssen Schee Agency offers home insurance policies tailored to protect residential property and personal belongings. As an Allstate agent serving St Cloud, MN, the agency provides general guidance on standard coverage options and replacement cost valuations. It assists clients with policy updates, new home purchases, and claims support following local weather events. The agency also helps evaluate coverage adjustments needed after a severe Minnesota winter or spring storm damage.

AO
3601 18th St S
Auto-Owners Insurance St. Cloud Claims
Home Insurance Agent · St Cloud, MN

Auto-Owners Insurance St. Cloud Claims is known for providing home insurance agent services to residents in St. Cloud, Minnesota. The company helps homeowners protect their properties by offering policies that cover damage, liability, and personal belongings. Clients can discuss their needs for dwelling coverage or additional protection against common regional weather risks. This agency can also add on a specialty service for water backup coverage from drains or sump pump overflows.

LI
606 25th Ave S Ste. 204
Lamphere Insurance Group, LLC
Home Insurance Agent · St Cloud, MN
(320) 640-0633
lamphereinsgrp.com
FI
3335 W St Germain St #105
Farmers Insurance - Duane Osgood
Home Insurance Agent · St Cloud, MN
(320) 252-6095
agents.farmers.com/mn/saint-cloud/duane-osgood
HI
2233 Roosevelt Rd #4
Hess Insurance Agency LLC
Home Insurance Agent · St Cloud, MN
(320) 251-1515
hessinsuranceagency.com
FI
2700 1st St N #215
Federated Insurance Co
Home Insurance Agent · St Cloud, MN
(320) 314-3964
reps.federatedinsurance.com/st-cloud-mn-insurance-representative-chris-yasgar
GI
2789 Clearwater Rd #C
Gasperlin Insurance Agency
Home Insurance Agent · St Cloud, MN
(320) 252-6800
gasperlinagency.com
MA
536 25th Ave N
Moe Agency Inc
Home Insurance Agent · St Cloud, MN
(320) 253-7644
moeagencyinc.net
JH
606 25th Ave S #111
John Herman Insurance
Home Insurance Agent · St Cloud, MN
(320) 251-1997
johnhermanins.wixsite.com/johnhermanins
MH
1500 Oak Grove Rd SW #109
Mark Helminick
Home Insurance Agent · St Cloud, MN
(320) 230-9147
insurancebrokersmn.com/contact-us/office-locations/st-cloud

What Does a a Home Insurance Agent in St Cloud Cost?

The average cost of home insurance in Minnesota is around $1,200 to $2,000 per year for a standard policy, but rates vary by home value, location, and coverage level. In St Cloud, factors like the age of your home, your claims history, and your credit score affect your premium. This is general information and not insurance advice.

About home insurance agents in St Cloud

Home insurance agents in St Cloud, Minnesota help you find coverage for your house and belongings. Minnesota law requires insurers to offer specific wind and hail coverage on homeowners policies. Local agents understand the risks of central Minnesota weather including snow loads and ice dams.

Frequently Asked Questions

What does a home insurance agent in St Cloud do?

A home insurance agent helps you compare policies from different insurance companies. They explain coverage options like dwelling protection, personal property, and liability. They also assist with claims and policy changes.

Do I need flood insurance in St Cloud Minnesota?

Standard home insurance does not cover flood damage. In St Cloud, flood insurance is recommended if you live near the Mississippi River or in a flood zone. You can buy flood insurance through the National Flood Insurance Program or a private insurer.

How do I choose a home insurance agent in St Cloud?

Look for an agent licensed in Minnesota with experience in the St Cloud area. Ask about their knowledge of local weather risks and coverage options. Check their reviews and verify their license with the Minnesota Department of Commerce.

Home Insurance Agents in Other Minnesota Cities

Listings are compiled from publicly available information. Inclusion does not constitute endorsement. Verify each home insurance agent's credentials and current standing with your state Department of Insurance.