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Starts with your situation
The first questions are about what changed, what you need covered, and what still feels unclear.
Independent · Serving all of Minnesota
Know what you are covered for, before you need it.
Todd helps with home, auto, business, and recreation coverage. He asks a few questions, compares the available options, and explains them clearly so you can decide what fits.
- Independent agent
- All of Minnesota
- Clear options, your decision
Customer intake
Start with a few details
Todd reviews what you share and follows up. Prefer voice? Call him.
- About two minutes
- Home, auto, business, or a mix
- No pressure to finish in one sitting
Rather just talk? Call (612) 500-5215
Your answers go to Todd’s intake. Nothing is published on this site.
Why Todd
An independent agent who stays involved.
He asks about your situation, explains what he sees, and helps you understand the choices without turning the conversation into a sales pitch.
Independent guidance
He helps compare available options and explains the tradeoffs, so the recommendation begins with your situation.
Questions first
A new driver, a home improvement, a different job, or a growing business can change what is worth reviewing.
Your decision
He tells you what he would consider and why. Then you decide what makes sense for you.
Find your coverage
Three clear routes.
Choose the route below that best fits your needs. If more than one applies, select one and we can start there.
Most common
Home & Auto
Personal coverage for your house, your vehicles, and everything riding on them.
- Home and household details worth reviewing
- Vehicles, drivers, and how they are used
- Liability limits and deductible choices
- Questions explained in plain language
Business
Commercial lines risk management for businesses across Minnesota.
- What the business does, owns, and leases
- Vehicles, drivers, people, and equipment
- Policy structure and open questions
- Available options based on the operation
Recreation
Coverage for the lake, the trail, and the campground.
- How the boat, RV, ATV, or camper is used
- Drivers, riders, operators, and storage
- Equipment, contents, limits, and exclusions
- Availability confirmed before a decision
How it works
Three straightforward steps.
The process stays simple: understand what changed, look at the options, and explain what each choice means.
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Start with what you have
Bring your current policy if you have it, or explain what prompted the search. Todd will ask the questions needed to understand the situation.
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Compare the options
He puts the important differences next to each other, including limits, deductibles, and the tradeoffs worth considering.
3
Choose what fits
He explains what he would change and what may be fine as it is. Then you decide what happens next.
Coverage options
Start with what brought you here.
Explore the coverage type you want to review, or start with a question if you are not sure which one applies.
Working together
What it feels like to work with Todd.
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Options, not a pitch
He explains the tradeoffs in plain language so the decision stays yours.
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Stays involved after
Renewals, claims questions, and life changes get a real reply, not a ticket number.
Start with a question
Have a question about your coverage?
Tell him what you have now and what has changed. He will help you understand what still fits, what may deserve another look, and what options are available.