Roger Keith & Sons Insurance
290 Bedford St, Ste A, Lakeville, MA 02347
View this agency's profile to learn more about their services.
Loading...
City directory
Lakeville households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
Compare local agents, coverage options, and specialties to find the right fit for your insurance needs.
290 Bedford St, Ste A, Lakeville, MA 02347
View this agency's profile to learn more about their services.
Learn about insurance coverage options specific to Lakeville residents.
Lakeville home insurance costs $2,500-$3,200/year. Learn about ice dam coverage, lake home protection, and how to save on premiums in Minnesota's weather.
Yes, Lakeville drivers typically pay around $109 per month for auto insurance, which is below both the state and national averages. This is largely due to Lakeville's low property crime rates and relatively safe driving conditions. However, you'll still need to carry Minnesota's required coverage including Personal Injury Protection and uninsured motorist coverage, which makes Minnesota policies more comprehensive than those in some other states.
While not legally required, flood insurance deserves serious consideration in Lakeville. Minnesota is experiencing more extreme rain events year-round, and about 50% of flood damage occurs outside mapped flood zones. Standard homeowners policies don't cover flooding at all. With flood insurance starting around $100-500 per year depending on your risk level, it's relatively affordable protection for a potentially catastrophic loss.
Minnesota requires drivers to carry Personal Injury Protection (PIP) that pays for your own medical expenses after an accident, regardless of who caused it. This means your insurance covers your medical bills immediately without waiting to determine fault. While this adds to your premium costs, it speeds up the claims process and ensures you receive medical care promptly after an accident.
While Minnesota's average is around $1,400 per year, Lakeville homeowners often pay more due to the strong local housing market and weather risks. Your actual cost depends on your home's value, age, construction type, and chosen coverage limits. Get quotes from multiple insurers and consider bundling with auto insurance for 15-25% discounts to reduce your overall costs.
Standard homeowners policies typically cover winter-related damage like ice dams, frozen pipe bursts, and roof damage from heavy snow or ice. However, the water damage from these events can be extensive and expensive. Prevention—like maintaining adequate heat in your home during extreme cold—is far less costly than filing claims for major water damage.
Both approaches have merit. Local agents understand Dakota County's specific risks, know which neighborhoods have higher claims, and can guide you through Minnesota's unique no-fault requirements. However, online insurers may offer lower rates. The best strategy is to get quotes from at least three sources—a local independent agent, a captive agent, and an online insurer—then compare coverage and service, not just price.
Stand out to local shoppers with your team, specialties, and business hours. Member agencies get priority placement and more features.
Join the network