RDM Insurance, Inc.
9201 Lexington Ave NE, Circle Pines, MN 55014
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9201 Lexington Ave NE, Circle Pines, MN 55014
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9201 Lexington Ave N, Ste 6, Circle Pines, MN 55014
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4010 Lovell Rd NE, Circle Pines, MN 55014
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Learn about insurance coverage options specific to Circle Pines residents.
Circle Pines homeowners pay $1,400-$1,800/year for insurance. Learn about Minnesota weather risks, flood zones, and smart ways to save on coverage.
Car InsuranceLearn about auto insurance in Circle Pines, MN. Understand no-fault coverage, PIP requirements, and costs. Get the protection you need today.
General Insurance EducationGet insurance rates, weather risks, and money-saving tips for Circle Pines, MN. Learn about hail coverage, bundling discounts, and flood protection.
Actually, Circle Pines tends to be slightly less expensive than many larger Twin Cities suburbs. The city's low crime rates, strong fire protection, and moderate home values in Anoka County help keep premiums below the metro average. You'll typically pay less here than in higher-value suburbs like Edina or Minnetonka, though rates are comparable to similar-sized communities like Blaine or Lino Lakes.
It depends on your specific location and elevation. Parts of Circle Pines fall within FEMA flood zones due to proximity to Rice Creek and wetland areas, and mortgage lenders require flood insurance in high-risk zones. Even if you're not required to buy it, consider flood coverage if you're in a low-lying area or have experienced water pooling in your yard during heavy rains—Minnesota's increasingly intense spring weather makes flooding more common than historical maps suggest.
Water backup coverage is essential if you have a basement, which most Circle Pines homes do. Heavy rains and rapid snowmelt regularly overwhelm storm sewers, sending water back through floor drains and flooding basements. Standard policies exclude this entirely, but you can add $10,000-$25,000 in water backup coverage for just $40-$100 annually. Also seriously consider increasing ice dam coverage limits beyond the standard $10,000-$25,000 cap if you have a complex roof.
Most insurers offer 15-25% discounts when you bundle home and auto coverage, which typically saves Circle Pines homeowners $400-$600 annually. However, bundling isn't always the cheapest option—sometimes separate carriers for each policy still cost less overall. Get quotes both ways before deciding, and don't assume bundling automatically saves money.
Filing a claim can increase your rates, but it depends on the claim type and your history. A single weather-related claim like hail damage typically has less impact than multiple claims or liability claims. Minnesota insurers generally can't non-renew you for a single claim, but they can raise rates at renewal. If you have multiple claims within three years, expect significant increases or potential non-renewal—which is why it makes sense to pay out-of-pocket for small repairs under your deductible.
Older homes often cost more to insure, primarily due to roof age, outdated electrical or plumbing systems, and higher replacement costs for features that aren't standard anymore. However, if you've updated major systems—roof, HVAC, electrical, plumbing—insurers may offer better rates. The key is documentation: providing receipts and inspection reports for major updates can significantly reduce premiums on a 1970s or 1980s-era Circle Pines home.
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