The IA Difference

Choice
We work with not just one insurance company but many.

A skilled independent insurance agency, one that represents a wide variety of insurance providers, will help you find the optimal coverage for you. Your account review will often include quotes from multiple companies, with a recommendation toward one based on both coverage and price.

Not all insurance companies are the same. Known within our profession as underwriting appetite, all providers have a different willingness to various types of accounts. This comes with preferential or less-than-preferential pricing and unique coverages specific to your needs.

Even so, with personal insurance, various factors about your account, such as the characteristics of your home, can impact your premium, the coverage offered, and even eligibility.

A direct point of contact
At least with us, when you choose Minneapolis St. Paul Agency, you’ll have a direct point of contact. The same professional that you worked with to build your coverage portfolio will be there a few years later during your account review, helping you with questions or making bad luck become a thing of the past during a claim. You and your agent should know each other by first name.

Ethical & Fiduciary Responsibility
Our objective recommendations to you are ultimately backed by our fiduciary responsibility to have your best interests in mind.

Cost & Value
Working with an independent agent isn’t more expensive than “buying directly”. We deliver value and often do so more efficiently and less costly with certainly better results.

We cannot offer insurance recommendations solely based on price, though we understand cost is a significant factor. Your total insurance spend should be a worthwhile one rather than a hollow sense of security; having quality coverage in place means confidence when you look to it during a claim.

We are compensated by the commission paid to us directly from the insurance company, and rarely do we need to charge additional professional fees (when we do, we’ll disclose that early on). Similar to your financial advisor, we’re ultimately incentivized for our time and effort by our performance & fiduciary obligation to you.