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Best Homeowners Insurance Agencies in Bloomington

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Aklog Asfaw Agency logo
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Aklog Asfaw Agency

900 American Boulevard East, Bloomington, MN 55420
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  • Renter's Insurance
  • Multiple Policy Types
  • Condos

Business Description

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.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.3
Google
3.9 / 5 (11)
Facebook
5.0 / 5 (6)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Gillette Agency Insurance Services logo
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Gillette Agency Insurance Services

8900 Penn Ave South 306, Bloomington, MN 55431
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  • Multiple Policy Types

Business Description

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.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (6)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Insurance Advantage Agency, LLC logo
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Insurance Advantage Agency, LLC

7600 Parklawn Avenue, Edina, MN 55435
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  • Fire

Business Description

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.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (37)
Facebook
5.0 / 5 (10)
Yelp
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Insurance by Design, LLC logo
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Insurance by Design, LLC

4131 Old Sibley Memorial Highway, Eagan, MN 55122
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  • Personal Property Insurance
  • Multiple Policy Types

Business Description

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.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Insuring Minnesota logo
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Insuring Minnesota

20960 Holyoke Ave, Lakeville, MN 55044
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  • Multiple Carriers
  • Multiple Policy Types

Business Description

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.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (34)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
James M. King & Associates, Inc. logo
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James M. King & Associates, Inc.

200 W Old Shakopee Rd, Bloomington, MN 55420
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  • Multiple Policy Types

Business Description

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.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Google
4.7 / 5 (6)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Katy Hunter Insurance Agency logo
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Katy Hunter Insurance Agency

8609 Lyndale Avenue South, Bloomington, MN 55420
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  • Multiple Policy Types

Business Description

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.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Kerry Jordan Insurance Agency logo
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Kerry Jordan Insurance Agency

4151 Knob Drive, Eagan, MN 55122
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  • Renter's Insurance
  • Flood
  • Fire
  • Earthquake

Business Description

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.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (2)
Facebook
5.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Mark Quinnell - State Farm Insurance Agent logo
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Mark Quinnell - State Farm Insurance Agent

107 3rd Street West, Northfield, MN 55057
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  • Multiple Policy Types

Business Description

Mark Quinnell - State Farm Insurance Agent has been serving individuals and families in and around Bloomington since 1986. His mission is to help clients recover from the unexpected, including natural emergencies, fire, theft, and vandalism. Mr. Quinnell is a member of the National Association of Insurance and Financial Advisors as well as the Northfield Chamber of Commerce. In addition, he also specializes in out-of-state transfers and offers auto insurance and life insurance.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.6
Google
4.4 / 5 (7)
Facebook
5.0 / 5 (2)
Yelp
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
River City Insurance Agency, Inc logo
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River City Insurance Agency, Inc

2416 East 117th Street, Burnsville, MN 55337
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  • Personal Property Insurance
  • Multiple Carriers
  • Renter's Insurance
  • Multiple Policy Types
  • Condos

Business Description

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.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Value Plus Insurance logo
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Value Plus Insurance

14579 Grand Ave S, Suite 202, Burnsville, MN 55306
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  • Personal Property Insurance
  • Multiple Policy Types

Business Description

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.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Facebook
5.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Willow Insurance Agencies, LLC logo
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Willow Insurance Agencies, LLC

8353 210th Street West, Lakeville, MN 55044
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  • Multiple Carriers
  • Multiple Policy Types

Business Description

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.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (20)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Back to Providers

Frequently Asked Questions

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.

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.

What is the difference between home warranty and homeowners insurance?

Homeowners' insurance protects your home and property from damage from events that include storms, theft, and fires. A home warranty covers repair costs for parts of your home that eventually breaks down. For example, if a fallen tree damages your roof, it's typically covered by insurance, not the warranty.

Does Geico offer homeowners insurance?

Because auto insurance is Geico's focus and where they invest the most in advertising, many people know the company only as a car insurance provider. On the contrary, Geico does offer a range homeowners' insurance policies that cover dwellings, personal property, and personal liability, among other provisions.

How long does homeowners warranty insurance last?

Home warranties vary based on the provider of the coverage, but most home warranties last for one year. Once they run out, homeowners have the option of renewing the warranty or letting it lapse. If a covered item breaks down after the warranty period is over, repair costs won't be reimbursed.

Does homeowners insurance cover water heaters?

Homeowners' insurance doesn't cover water heaters when they break down from normal wear and tear. An insurance policy may cover water damage to your home and property if it malfunctions, and if the water heater is damaged by a fire or an accident, home insurance may provide the costs to replace it.

Are RVs covered under homeowners insurance?

Usually, an RV is covered under your homeowners' insurance, but that coverage will probably be subject to several exceptions and contingencies. For example, if you want to drive your RV, you'll either need car insurance or specialized RV insurance since the risks you'll face on the road do not fall under a homeowner's policy.

Do new buyers need owner\'s title insurance on a new home?

There are unique risks that a buyer of a new home may face. For example, property claims from previous owners or liens from suppliers whom the homebuilders never paid during construction. Title insurance protects the home from these perils, and your mortgage lender may require it.

Do owner builders need home warranty insurance?

In the United States, owner builders are not required to have home warranty insurance. If you're the one who built your home, you're expected to incur the costs of repairs yourself if a structure or appliance breaks down.

Are dogs deaths covered in homeowners insurance?

Usually, the loss of a dog or other pet is not covered by your home insurance. However, many insurance providers offer riders — packages of added coverage — for pets called pet insurance. This ensures that medical costs and property damage caused by your pets are fully covered.

Are earthquakes covered in standard homeowners insurance policies?

Standard homeowners' insurance policies do not cover damage directly caused by earthquakes. Insurance will sometimes cover indirect damage, however. For example, if an earthquake causes a fire in your home, damage from the fire will be covered under a standard home insurance policy.

Are homeowners insurance and car insurance deductible?

Homeowners' insurance and car insurance premiums are not deductible as personal expenses on your taxes. However, some percentage of your premiums may be deductible as business expenses if you own a business and use your car and home for business purposes. This may vary between states.

Are homeowners insurance payouts taxable income?

If you file a claim after a burglary at your home, for example, the insurance company will assess the value of the property lost or damaged and reimburse that amount. This payout is not taxable because it's not income — it's a replacement of lost value.

How frequent should one change auto or homeowners insurance to another provider?  

If you find home and auto insurance policies that you're happy with, you may never want to switch. However, various providers offer different combinations of coverage and price, so you may want to assess all your options every few years.

What should a homeowners insurance include/cover?

A homeowners' insurance policy should cover the dwelling, personal property inside and some outside, other structures on the property, and liability. For example, it should cover medical bills if a guest sustains an injury. Not all of these coverages are included in every policy.

How much homeowners insurance should someone carry?

How much insurance you need depends on the size of your home, its age, and other unique factors. Standard insurance policies cover around 70% of the total value of your home and additional covered property. Most policies that offer premises liability include $100,000 in liability coverage.

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