Practical guides, downloadable checklists, carrier reviews, and tools to help Minnesota families and businesses make smarter insurance decisions.
Call, email, or stop by our Chaska office. We're available Monday–Friday 7:30 AM–5:30 PM, with evening and weekend appointments available by request.
Practical articles on home, auto, and business insurance for Minnesota families — written by our agents, not a content mill.
See your real financial exposure under Minnesota law — assets, wage garnishment, bankruptcy exemptions — and the umbrella amount that closes the gap.
Options Insurance is licensed in 12 states. See our full coverage footprint on an interactive map — useful if you’re relocating or operate across state lines.
40 free checklists — one for every coverage type. Personal, recreational, property, and business. Download before your next quote or renewal.
Document your belongings room by room before you ever need to file a claim. Available as an interactive online tool or a printable PDF.
What a standard policy covers, the five gaps most MN homeowners have, ice dams, burst pipes, sump pumps, percentage deductibles, and what to look for when comparing quotes.
Do you have the right coverage? GL vs. BOP, professional liability, workers comp, auto gaps, and commercial umbrella — explained for Minnesota business owners.
Leaving a corporate job to go out on your own? Entity formation, EIN, tax structure, state registrations including the new Paid Leave program, and insurance — plus sections for trades, professional services, and licensed professions. Includes a printable checklist.
Honest reviews of the carriers we work with — AM Best ratings, J.D. Power scores, what they do well, and who they're the right fit for.
Can't find what you're looking for? Our agents are happy to answer coverage questions, review your current policy, or just help you think through your options.
No obligation. We'll follow up by phone or email — whichever you prefer.