Personal Insurance in Minnesota
Auto, home, renters and more, for Minnesota families and for customers in Wisconsin, Texas, Arkansas, North Carolina and Florida.
City Insurance and Financial Services is an independent agency in Minnetonka. We compare policies from several insurance companies for your car, your home or apartment, and the boats, motorcycles and snowmobiles you use on weekends, and we explain what each policy covers before you buy.
Personal Insurance Options
Umbrella Insurance
Extra liability coverage that pays after your auto or home limits run out, for the big claim that could reach your savings.
Home & Renters Insurance
Homeowners (HO-3), condo and townhome (HO-6) and renters (HO-4) policies, set up to match your home, your association and your lease.
Toys & Seasonal Vehicles
Boats, motorcycles, snowmobiles, ATVs and RVs usually need their own policy. Many insurance companies offer lay-up options for the months you store them.
Auto Insurance
Minnesota requires liability (30/60/10), no-fault PIP ($20,000 medical + $20,000 non-medical) and uninsured/underinsured motorist (25/50) on every car (Minn. Stat. § 65B.49, § 65B.44). We compare prices and explain when collision and comprehensive are worth adding.
Why Choose City Insurance?
Independent and local – We work with several insurance companies, not one, from our office in Minnetonka.
One agency for everything – Auto, home, condo, renters, umbrella, boats, motorcycles, snowmobiles, RVs and ATVs. We show you bundled and separate prices side by side.
Six states – Licensed in Minnesota, Wisconsin, Texas, Arkansas, North Carolina and Florida. Each state sets its own auto minimums; we quote to the rules of the state where the car is registered.
See our auto insurance, home insurance and renters insurance pages, or visit our insurance blog for guides and tips.
Ready for a quote?
Tell us about your car, home and extras, and we’ll compare the options for you.
Or call us at (763) 582-1888
Personal Insurance FAQ
Liability of $30,000 per person, $60,000 per accident and $10,000 property damage; no-fault (PIP) of $20,000 medical and $20,000 non-medical; and uninsured/underinsured motorist of $25,000/$50,000. Most people choose higher limits.
Often, yes. Many insurance companies give a discount when your auto and home, condo or renters policy are together. We compare the bundled and separate prices so you can see the difference.
HO-3 is homeowners insurance for a house. HO-6 covers a condo or townhome unit when the association insures the building. HO-4 is renters insurance for your belongings and your liability.
It adds liability coverage on top of your auto and home policies. It’s worth considering if you own a home, have savings, have a teen driver or a pool, or simply want more protection than your auto and home limits give.
Usually not, or only in a very limited way. Most need their own policy, which can often be bundled with your auto or home.
Most toy policies run all year, so you’re covered in storage too. Some insurance companies offer lay-up options that lower the price for the months you don’t ride.
Yes. City Insurance is licensed in Minnesota, Wisconsin, Texas, Arkansas, North Carolina and Florida.
At least once a year, and any time you buy a car, move, remodel, add a driver or buy a new boat or ATV.