Personal Auto Insurance
Coverage for Minnesota drivers, vehicles, and the changes that shape a useful policy review.
A new vehicle, driver, commute, or use can change what belongs in an auto insurance conversation. Todd asks how the vehicles are used and who drives them, then helps you understand the limits, deductibles, and options worth comparing. You decide what deserves a closer look.
What he looks at
- Vehicles, drivers, and how each vehicle is used
- Liability limits and deductible choices
- Questions about comprehensive and collision coverage
- Available options for the household
Not sure what you have today? Have your current policy or declarations page ready. He can review it with you and identify the questions worth asking.
Call (612) 500-5215
Coverage across Minnesota
He serves clients across Minnesota. The highlighted community pages go deeper, but they are not boundaries on who can start a conversation.
Questions people ask.
If I hit a deer, is that collision or comprehensive?
The applicable coverage and deductible depend on the policy and the details of the loss. He can help you locate the relevant language and understand the next questions to ask before relying on a general answer.
Does bundling home and auto make sense?
Programs, discounts, pricing, and eligibility vary. If suitable options are available, He can help you compare the combined cost and coverage terms so you can decide whether bundling is useful.
What happens to my rates after a hail claim?
Claim handling and future pricing vary by carrier and situation. Before filing or relying on a general answer, review the applicable policy and loss details with him and the carrier.
Coverage depends on the policy, endorsements, exclusions, eligibility, use, and the details of a loss. This page provides general information, not a coverage determination. The issued policy controls.
Other coverage questions.
Homeowners Insurance
Coverage for Minnesota homes, changing rebuilding costs, and the details that shape how a policy responds.
Learn moreCommercial Auto Insurance
Coverage questions for the trucks, vans, pickups, and drivers that keep a Minnesota business moving.
Learn moreBusiness Owners Policy (BOP)
A review of property, liability, income, and equipment questions for a Minnesota business.
Learn more