Glynloen Insurance Consulting
1699 Upper Tug Fork Road, Alexandria, KY 41001
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1699 Upper Tug Fork Road, Alexandria, KY 41001
View this agency's profile to learn more about their services.
Learn about insurance coverage options specific to Alexandria residents.
Complete Alexandria, LA insurance guide: auto requirements, homeowners costs, Red River flood risk, and local agents. Get the coverage you need in 2026.
Minnesota is a no-fault state, which means you're required to carry more coverage than most states—including personal injury protection (PIP) of at least $40,000, plus both uninsured and underinsured motorist coverage. These additional requirements increase your premium, but they also ensure you're covered for medical bills regardless of who caused an accident.
No, standard homeowners insurance does not cover flooding. If you own waterfront property in Alexandria, you need a separate flood insurance policy to protect against rising water levels. Even if your property isn't in a designated flood zone, many lenders require flood coverage for lakefront homes.
The average homeowners insurance in Minnesota ranges from $2,400 to $2,900 annually, and premiums are projected to rise 15% in 2025. Your actual cost depends on your home's value, coverage level, deductible, and specific risk factors. Alexandria's median home value is $265,892, so most residents will pay within or slightly below this range.
Most homeowners policies only cover small boats or personal watercraft up to about $1,000-$1,500. If your boat is worth more than that—like a fishing boat, pontoon, or speedboat—you'll need a separate boat insurance policy to cover physical damage, liability, and on-water towing.
Local agents in Alexandria offer significant advantages—they understand regional risks like lake effect weather, flooding patterns, and seasonal property concerns. Independent agents can also compare multiple carriers to find you the best rate, and bundling your auto and home policies through a local agent often saves 15-25%.
Replacement cost coverage pays what it costs to rebuild or replace something today, while actual cash value factors in depreciation. For example, if your 10-year-old roof is damaged, replacement cost would pay for a new roof, but actual cash value might only reimburse you half that amount. Always choose replacement cost if your budget allows.
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