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2024

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Best Homeowners Insurance Agencies in Bloomington, MN

Our Recommended Top 11

We did the research for you!

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  • User Reviews
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Our goal is to connect people with the best local professionals. We scored Bloomington Homeowners Insurance Agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

59Reviewed

39Curated

11Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

7600 Parklawn Avenue, Edina, MN 55435

Expertise.com Rating

Review Sources

Google
4.9 (37)
Facebook
5.0 (10)
Yelp
5.0 (1)

Why choose this provider?

Insurance Advantage Agency LLC is a dynamic insurance agency that represents clients throughout the Bloomington area. Its home insurance coverage includes policies for single and multiple-family dwellings and renter's insurance. Coverage policies for townhome and condo properties are offered as well, along with provisions for replacement and modified replacement costs. Insurance Advantage Agency's contractual relationships include several well-known insurance companies, including Liberty Mutual Insurance, MetLife, and Progressive. The company also offers auto, commercial, and life insurance.

  • Fire

8353 210th Street West, Lakeville, MN 55044

Expertise.com Rating

Review Sources

Google
4.9 (20)

Why choose this provider?

Willow Insurance Agencies LLC has been providing homeowners' insurance to people in and around Bloomington since 2002. Agents work with over 50 insurance providers to find the best rates and most appropriate types of coverage to meet the needs of their homeowners' insurance clients. They can help identify gaps in coverage provided by condo associations to ensure the owner's property is fully covered. Willow Insurance Agencies also provides auto, life, business, and umbrella insurance policies.

  • Multiple Carriers
  • Multiple Policy Types

2416 East 117th Street, Burnsville, MN 55337

Expertise.com Rating

Review Sources

Facebook
5.0 (1)

Why choose this provider?

River City Insurance Agency Inc. is a multiline full-service agency serving clients throughout the Bloomington area. Its agents possess over 20 years of combined experience and work with over 15 different companies to deliver quality homeowner's, auto, life, and other types of insurance policies. Homeowners' insurance policies include coverage for physical damage to the house or any personal possessions within, protection against inflation, and liability to others who may be injured on the property.

  • Personal Property Insurance
  • Multiple Carriers
  • Renter's Insurance

4131 Old Sibley Memorial Highway, Eagan, MN 55122

Expertise.com Rating

Review Sources

Google
5.0 (5)

Why choose this provider?

Insurance by Design LLC is an insurance company located near Bloomington that offers homeowner's insurance. Company president LuAnn Paulet and her team of associates work with clients to find the best combination of coverage to suit their needs, including homeowner's, auto, boat, recreational vehicle, and umbrella insurance. The team at Insurance by Design offers 24/7 customer support. This family-owned and operated insurance provider has offered trustworthy homeowner's insurance since 2007.

  • Personal Property Insurance
  • Multiple Policy Types

200 W Old Shakopee Rd, Bloomington, MN 55420

Expertise.com Rating

Review Sources

Google
4.7 (6)

Why choose this provider?

James M. King & Associates, Inc., provides customized insurance solutions to individuals and businesses in Bloomington and nearby localities. The company assists private homeowners in selecting the best insurance coverage that best suits their needs among several carriers. These include structural damage repairs from natural disasters, reimbursements for damaged or stolen items due to theft, and legal liabilities for injuries incurred by guests. Its licensed independent agents also handle auto and personal insurance plans throughout Minnesota.

  • Multiple Policy Types

20960 Holyoke Ave, Lakeville, MN 55044

Expertise.com Rating

Why choose this provider?

The agents at Insuring Minnesota make up a dedicated team of insurance professionals who provide service to clients in the Bloomington area. Residents and potential homebuyers can choose the policy that best fits their needs, whether it be homeowner's, renter's, townhome, or condo insurance. Insuring Minnesota works with over 30 insurance companies, including well-known providers, including AAA, Allied, MetLife, and Wilson Mutual, to ensure that each client's unique needs are met.

  • Multiple Carriers
  • Multiple Policy Types

8900 Penn Ave South 306, Bloomington, MN 55431

Expertise.com Rating

Review Sources

Google
5.0 (6)

Why choose this provider?

Gillette Agency Insurance Services helps homeowners in Bloomington protect their investments. Established in 1977, this company maintains partnerships with diverse insurance carriers to address commercial and personal insurance needs. Its insurance agents educate homeowners on policy terms and assist in ensuring clients obtain sufficient financial protection from risks, including compensation for home repairs due to fire or natural disasters and non-resident injury claims and related medical expenses. Policy coverage also includes personal property loss from vandalism and theft.

  • Multiple Policy Types

8609 Lyndale Avenue South, Bloomington, MN 55420

Expertise.com Rating

Review Sources

Google
5.0 (3)
Facebook
5.0 (1)

Why choose this provider?

Katy Hunter Insurance Agency offers policies and coverage plans for homeowners in Bloomington. It considers the clients' properties to prepare for any damage or destruction caused by natural disasters or accidents. It also reviews the house's features such as security systems, attached buildings, and mortgages to find the repair value. It serves different types of homeowner properties like single families, cabins, duplexes, and vacation residences. The founder, Katy Hunter, is a native of and still lives in Bloomington.

  • Multiple Policy Types

900 American Boulevard East, Bloomington, MN 55420

Expertise.com Rating

Review Sources

Google
3.9 (11)
Facebook
5.0 (6)

Why choose this provider?

Aklog Asfaw Agency is an independent insurance brokerage firm that serves the whole of Minnesota from its office in Bloomington. It offers homeowners' insurance, which is a package policy that covers dwelling, unattached structures, personal property, personal liability, medical payments, personal injury, and loss of use. The firm also handles condo and renters' insurance. As an independent agency, the brokerage firm automatically compares quotes from up to 20 insurance providers.

  • Renter's Insurance
  • Multiple Policy Types
  • Condos

14579 Grand Ave S, Suite 202, Burnsville, MN 55306

Expertise.com Rating

Review Sources

Facebook
5.0 (2)

Why choose this provider?

Value Plus Insurance is a full-service insurance firm that has been serving the Bloomington metro area for two decades. Established in 2001, the company assists homeowners and homebuyers in selecting the right insurance policy that can protect their homes and personal properties against disasters. Its licensed and independent agents evaluate the coverage needs of the customers and match them with the right insurance carrier. Other offerings include renters, vehicle, recreational, life and health, SR-22 DUI, and commercial insurance plans.

  • Personal Property Insurance
  • Multiple Policy Types

4151 Knob Drive, Eagan, MN 55122

Expertise.com Rating

Review Sources

Google
5.0 (2)
Facebook
5.0 (2)

Why choose this provider?

Kerry Jordan Insurance Agency is a multi-line firm that offers homeowners insurance services in the Bloomington area. Its founder, Kerry Jordan, has over 23 years of experience in helping home dwellers identify the required policy to cover rebuilding or repair costs in the event their houses get damaged due to fire, theft, lightning, explosions, and hail. Kerry Jordan Insurance Agency can also cover destroyed personal belongings and supplemental expenses for living away from home during reconstruction.

  • Renter's Insurance
  • Flood
  • Fire

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Insurance Advantage Agency, LLC
7600 Parklawn Avenue, Edina, MN 55435
Willow Insurance Agencies, LLC
8353 210th Street West, Lakeville, MN 55044
River City Insurance Agency, Inc
2416 East 117th Street, Burnsville, MN 55337
Insurance by Design, LLC
4131 Old Sibley Memorial Highway, Eagan, MN 55122
James M. King & Associates, Inc.
200 W Old Shakopee Rd, Bloomington, MN 55420
Insuring Minnesota
20960 Holyoke Ave, Lakeville, MN 55044
Gillette Agency Insurance Services
8900 Penn Ave South 306, Bloomington, MN 55431
Katy Hunter Insurance Agency
8609 Lyndale Avenue South, Bloomington, MN 55420
Aklog Asfaw Agency
900 American Boulevard East, Bloomington, MN 55420
Value Plus Insurance
14579 Grand Ave S, Suite 202, Burnsville, MN 55306
Kerry Jordan Insurance Agency
4151 Knob Drive, Eagan, MN 55122

FAQs

  • Introduction

    Homeowners' insurance is a type of property insurance used by private property owners to protect their home and property from a range of risks and liabilities. It is also called home insurance.

    All homeowners' insurance policies cover the primary home on a property, meaning that most damage from weather, accidents, vandalism, and other events will be at least partially paid for by the insurance company. Many policies also include coverage for other structures, personal property, and some premises liability.

    It is not required by law that a homeowner purchases insurance for their property. However, if you have a mortgage, the lender will usually make purchasing a homeowners' policy a mandatory part of the loan process. Since the mortgage lender is essentially selling you the home, they require you to protect the investment.
  • How is dwelling coverage determined in Bloomington?

    Dwelling coverage is determined based on the home's replacement cost, with a set maximum dollar limit. In Bloomington, under Minnesota law, one cannot insure a home beyond its actual replacement value. Typically, a home is insured for about 80% of its assessed replacement value. Some homeowners, considering inflation and potential construction cost increases, might opt for an inflation guard clause in their policy to auto-adjust their coverage. However, note that not all insurance companies offer this option.

  • How do homeowners' insurance policies in Bloomington vary?

    Homeowners' insurance policies in Bloomington differ based on the losses they cover, the chosen protections, and the type of dwelling owned. An individual can select a comprehensive policy that safeguards against events like fire, hail, or theft or covers only designated losses. Depending on whether someone lives in a house, apartment, or condo, the appropriate insurance can offer peace of mind and the necessary funds to mend or replace their home and possessions.

  • How can Bloomington residents tailor their homeowners' insurance to best fit their needs?

    To tailor their homeowners' insurance to best fit their needs, Bloomington residents should consider variables like liability, flood protection, and the assets they want insured. Since no single plan suits all, they must seek a personalized policy. Engaging a skilled insurance professional proves essential in guiding clients through diverse choices, ensuring they select policies that resonate with their requirements.

  • Why should homeowners in Bloomington consider water backup coverage?

    Homeowners in Bloomington should consider water backup coverage due to the significant threats posed by water damage. The necessity of this coverage becomes even more evident when considering factors like the size and usage of one's basement, the type of flooring, and the presence of appliances or bathrooms in the basement. Many standard homeowners' policies either don't cover water backups or offer limited protection. Property owners are better equipped to handle water backup issues with specific coverage.

  • What differentiates HO-3 from HO-5 homeowners' insurance for Bloomington residents in terms of coverage?

    For residents of Bloomington, the HO-3 policy covers both their home and its contents. The standout difference lies in how personal property gets covered, Specifically, HO-5 provides a higher tier of protection by covering personal items against a broader range of risks. It delivers a more comprehensive shield with its all-risk coverage for personal belongings.

  • What determines the price of homeowners insurance premium?

    The premium, or monthly cost, of your homeowners' insurance policy depends on several factors, including the value of your home and amount of coverage you choose. Your credit history and whether the property is in a higher risk area also play a role.

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