Expertise.com

2024

Last updated:

Best Homeowners Insurance Agencies in Rochester

Our Recommended Top 8

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Rochester 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.

71Reviewed

45Curated

8Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
914 North Broadway Avenue, Rochester, MN 55906
  • Personal Property Insurance

Why choose this provider?

Sue Madden, State Farm Insurance Agent, offers services for homeowners insurance in Rochester to clients that need to secure coverage for their properties. Branch founder Sue Madden has over 25 years of experience serving clients. She and her team advise people on their insurance options and the best types of coverage for their circumstances. Sue Madden, State Farm Insurance Agent, can also help with auto insurance, commercial insurance, or health and life insurance needs.

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
Google
4.9 / 5 (30)
Facebook
4.4 / 5 (14)
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

Website
5721 Bandel Road Northwest, Rochester, MN 55901
  • Multiple Policy Types

Why choose this provider?

Atlas Insurance Brokers is a full-service insurance company that operates in Rochester. It offers homeowner policies to protect them from damages from bad weather or criminal activities like theft. It also covers medical fees for injured guests and repairs or reimbursement of damaged electronics and furniture. The company's agents talk with clients to discuss policies that fit their budget or home features. It is an independent insurance company, working with other providers like Stillwater, Metlife, and Progressive 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 (212)
Facebook
5.0 / 5 (38)
Yelp
1.0 / 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

Website
2766 Commerce Drive Northwest, Rochester, MN 55901
  • Condos

Why choose this provider?

Since 2011, Fortress Insurance & Financial Services has been catering to the insurance needs in Rochester and nearby areas. The company provides customized homeowners insurance policies to residential customers. Its licensed agents help clients to choose the right coverage option, including property, liability, high-value assets, sewer backup, and medical payments. They also handle insurance coverages for in-home businesses, mobile homes, cabin or secondary homes, and rental properties. Other services include all types of personal and business insurance policies. The company also serves clients in Byron, Pine Island, Chatfield, and Stewartville.

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 (107)
Facebook
5.0 / 5 (5)
Yelp
1.0 / 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

Website
1027 7th St NW UNIT 208, Rochester, MN 55901
  • Personal Property Insurance
  • Multiple Policy Types

Why choose this provider?

Dekok Insurance Group, Inc., is the homeowners' insurance agency of Jon DeKok, an experienced insurance agent that serves the residents of Rochester and the surrounding areas. Using his more than 27 years of industry experience, DeKok helps homeowners in finding the right insurance plan for their homes. Aside from homeowners' insurance, DeKok's firm also offers quotes for flood insurance and renters' insurance. Dekok Insurance Group, Inc., also provides other insurance products, such as auto, commercial, and umbrella 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.
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

Website
3552 West River Pkwy NW, Rochester, MN 55901
  • Personal Property Insurance
  • Multiple Policy Types

Why choose this provider?

The Faupel Agency services homeowners in Rochester and the neighboring communities. It is a homeowners' insurance agency protecting the homes and families of its clients through policies that cover damage to the home and other separate structures within the property, including the contents of the property such as clothing, furniture, and electric appliances. The agency also offers policies to cover the medical expenses when a guest is injured in the client's estate. Dave Faupel, the owner of the agency, has been a licensed insurance agent since 1986.

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 (5)

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

Website
1903 Broadway Avenue South, Rochester, MN 55904
  • Personal Property Insurance
  • Multiple Policy Types

Why choose this provider?

Chris Sanders Agency provides insurance solutions to clients in the Rochester area. Chris has been part of the Farmers Union Insurance Agency since 2006. His services include policies that involve home, auto, business, health, life, and farm and crop insurance. Chris advises clients on the home insurance coverage that best suits their needs. Coverages may include protection from theft, fire, or accidents. Chris also offers umbrella insurance for additional liability coverage.

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 (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

Website
894 7th St NW, Rochester, MN 55901
  • Personal Property Insurance
  • Multiple Policy Types

Why choose this provider?

Safechoice Insurance Agency has been providing the insurance needs of Rochester-based individuals and businesses for more than a decade. Insurance agents at this agency offer homeowners' insurance plans that safeguard clients from unexpected financial losses. They present unbiased data that allows clients to select the right insurance plan that matches their personal needs. Safechoice Insurance Agency represents multiple insurance carriers, such as the National General Insurance, Progressive, Bristol West Insurance Group, and Foremost.

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 (30)
Facebook
5.0 / 5 (3)
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

Website
826 Broadway Ave S, Rochester, MN 55904
  • Multiple Policy Types

Why choose this provider?

Sandvik Insurance Agency is an insurance firm catering to residents of Rochester. It has a team of seasoned insurance agents proficient in customizing comprehensive home insurance policies. Its standard homeowners' insurance coverage includes the dwelling and other structures, personal property, loss of use and additional living expenses, and personal liability. Clients may also avail of additional coverage for certain named perils, disasters, and floods. A broad selection of personal, business, and niche insurance products—from personal umbrella and workers' compensation insurance to cyber liability and garage-repair shop insurances—is available as well.

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

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 can a homeowner's insurance agency or company in Rochester be verified?

    If you have questions about a homeowners insurance agency or company in Rochester, you can call the Consumer Services Center of the Minnesota Department of Commerce at 651-539-1600. You can also ask about the status of their license. Complaints with insurance agencies or companies are likewise handled by the Consumer Services Center.

  • Can an agency or company in Rochester refuse to renew a home insurance policy?

    Under Minnesota's Commerce Department rules, insurance companies cannot generally refuse to renew a home insurance policy or other plans. There are some exceptions to this rule, such as if the policy was canceled. Another reason an agency/company may refuse to renew a home insurance policy is if the policyholder is using the property for illegal activities. If the homeowner has not paid property taxes on the insured property for two years or more, the agency/company may also refuse to renew the plan.

  • Will home insurance cover the costs if an individual, while on the property of the policyholder in Rochester, was bitten by the latter's dog?

    Yes, most Rochester homeowners' insurance policies include liability coverage. This covers medical and possibly legal expenses if an individual is injured while on the policyholder's property. Dog bites are most likely included in this category. However, there may be coverage limitations, so it is best to check with your homeowners insurance agency or company.

  • Should a homeowner in Rochester update their home insurance policy if the value of their home changes?

    Yes, the value of a Rochester home will most likely change over time. When this occurs, contact your homeowners' insurance agency or company to review and update your policy. They have the industry knowledge to identify any gaps in your coverage and recommend solutions that will meet your needs. It is also recommended that you review your home insurance policies on a yearly basis, even if there have been no significant changes to the overall value of the property.

  • What are storm chasers in Rochester?

    Storms frequently hit Rochester, and individuals posing as authorities on weather-related damage would frequently appear and knock on doors to offer their assistance to homeowners. These storm chasers would persuade homeowners that their homes required urgent major repairs. Additionally, they would compel the homeowners to sign away their claim to any insurance payouts for property damage. Even though not all storm chasers are con artists, many of them have a reputation for performing work either poorly or not at all. To avoid being taken advantage of after a storm, it is best to call your home insurance provider.

  • 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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