Coverage types
Twelve personal, small-commercial, and recreation coverage types, all written by Todd.
All twelve
Start where your risk is.
Each page covers what the policy actually does, the Minnesota-specific parts worth watching, and the questions Todd gets asked most.
Homeowners Insurance
Homeowners coverage built for Minnesota weather: hail, straight-line wind, winter storms, ice dams, and frozen pipes.
Learn morePersonal Auto Insurance
Auto coverage for real Minnesota driving: deer on the county roads, ice on the freeway, and hail in the driveway.
Learn moreCommercial Auto Insurance
Coverage for the trucks, vans, and pickups that do the work: contractors, trades, and service businesses across the metro.
Learn moreBusiness Owners Policy (BOP)
Property, liability, and business income bundled into one policy sized for Minnesota small businesses.
Learn moreWorkers Compensation
Workers comp coverage that keeps your Minnesota business compliant and your people taken care of after an injury.
Learn moreCommercial Property Insurance
Coverage for buildings, equipment, and inventory against the hail, wind, snow load, and fire risks Minnesota property faces.
Learn moreUmbrella Insurance
An extra layer of liability protection that sits above your home, auto, and boat policies.
Learn moreBoat & Watercraft Insurance
Coverage for fishing boats, pontoons, and personal watercraft on Minnesota's lakes, plus the trailer miles between them.
Learn moreRV & Motorhome Insurance
Coverage for motorhomes and RVs, from summer trips out west to seasonal sites closer to home.
Learn moreATV & Powersports Insurance
Coverage for ATVs, UTVs, snowmobiles, and the trail culture that comes with living in Minnesota.
Learn moreTravel Trailer & Camper Insurance
Coverage for towable trailers and campers, on the road and parked at the seasonal site up north.
Learn morePet Insurance
Help with veterinary costs so a sick or injured pet is a family decision, not a financial one.
Learn more