Clear Choice Insurance Agency, Inc
3459 Washington Dr, # 101, Eagan, MN 55122
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Eagan households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
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3459 Washington Dr, # 101, Eagan, MN 55122
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4655 Nicols Rd, Ste 204, Eagan, MN 55122
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686 Bridle Ridge Rd, Eagan, MN 55123
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3432 Denmark Ave., #231, Eagan, MN 55123
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Learn about insurance coverage options specific to Eagan residents.
Eagan home insurance averages $3,524 in 2025, up 15%. Learn about Minnesota's new roof coverage rules, winter weather risks, and how to save on premiums.
Car InsuranceEagan drivers need PIP coverage under Minnesota's no-fault system. Learn about required minimums, I-35E/I-494 risks, and how to protect yourself.
Minnesota homeowners pay an average of $2,852 annually for coverage, though rates are rising 15% in 2025, bringing the average to around $3,524. By 2026, projections suggest premiums will reach $4,058. Your actual Eagan rate depends on your home's value, age, construction type, roof condition, claims history, and chosen coverage limits. With Eagan's median home value at $395,000, expect premiums in the $2,500-$4,500 range depending on these factors.
Standard homeowners policies cover sudden winter damage like roof collapse from snow weight, frozen pipe bursts, and ice dam damage—but maintenance matters. Insurers may deny claims if damage resulted from neglect, like failing to remove excessive snow or not properly insulating pipes. Wind chill reaching -35°F and snowstorms dumping 6-10 inches are common in Eagan, making winter maintenance documentation important if you need to file a claim.
Many insurers are switching from Replacement Cost Value (RCV) to Actual Cash Value (ACV) for roofs older than 10-15 years. This means they'll only pay the depreciated value of your roof, not full replacement cost. Some carriers are refusing to cover older roofs altogether or requiring inspections before renewal. Higher wind/hail deductibles (1-2% of dwelling coverage) are also becoming standard, potentially costing you $4,000-$8,000 out-of-pocket on a $400,000 home.
Standard homeowners policies specifically exclude flood damage, even though they cover water damage from other sources like burst pipes. If you're near Lebanon Hills Regional Park's waterways or in a designated flood zone, separate flood insurance through the National Flood Insurance Program or private insurers is essential. Even if you're not in a high-risk flood zone, flooding can happen anywhere—31% of flood claims come from low-to-moderate risk areas.
Your dwelling coverage should reflect replacement cost, not market value. With Eagan's median home value at $395,000 and rising, and construction costs increasing significantly, insure for 100% of replacement cost if possible—most experts recommend at least 80%. This might be higher than your purchase price since rebuilding costs often exceed market value. Review your coverage annually as home values in Eagan increased 2.0% in the past year alone.
Bundling home and auto insurance typically saves 15-25%. Installing monitored security systems, smoke detectors, or fire sprinkler systems earns discounts. Some insurers reward impact-resistant roofing materials, claim-free history (3-5 years), and newer homes or recently updated systems. Improving your credit score can also significantly lower premiums since Minnesota insurers use credit-based insurance scores. Ask each insurer about available discounts—they vary by company.
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