Brian Emswiler - Long Term Care Insurance Advisors, Inc.
15830 Venture Ln, Eden Prairie, MN 55344
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Eden Prairie households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
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15830 Venture Ln, Eden Prairie, MN 55344
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6640 Shady Oak Road, Suite 500, Eden Prairie, MN 55344
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12160 Technology Drive, Suite 213, Eden Prairie, MN 55344
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14871 Pioneer Trail, Eden Prairie, MN 55347
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Learn about insurance coverage options specific to Eden Prairie residents.
Eden Prairie home insurance costs $2,106-$2,860/year. Learn about winter weather coverage, frozen pipes, flood risks, and ways to save on your premium.
Car InsuranceEden Prairie drivers pay $1,145/year for auto insurance. Learn Minnesota's no-fault PIP requirements, minimum coverage, and how to save on premiums in 2026.
Eden Prairie homeowners typically pay between $2,106 and $2,860 annually for home insurance, though your specific rate depends on your home's value, age, construction type, and coverage amounts. With premiums rising 15% in 2025 due to severe weather claims, shopping around and comparing quotes from multiple insurers is essential to find the best rate.
Yes, standard home insurance covers damage from frozen pipes as long as you maintained reasonable heat in the home and took normal precautions. However, if your home was vacant and you didn't properly winterize it or maintain adequate heating, your claim may be denied. Frozen pipe claims in Minnesota average $18,000, making prevention crucial.
While not required everywhere, flood insurance is worth considering even if you're not in a designated flood zone. Standard home insurance doesn't cover flooding from rising lake levels, spring snowmelt, or heavy rains—all common in Eden Prairie with its numerous lakes. Flood insurance outside high-risk zones often costs just a few hundred dollars annually through FEMA's National Flood Insurance Program.
Water backup coverage protects you when water backs up through drains or sewer lines, or when your sump pump fails—both common in Minnesota basements. This endorsement typically costs $40 to $100 annually and can save thousands in cleanup costs. Given basement flooding frequency in Minnesota, it's nearly essential coverage for Eden Prairie homeowners.
Bundle your home and auto insurance for 15-25% savings, increase your deductible, and ask about discounts for security systems, newer roofs, or home improvements. Installing smart water shutoff devices, upgrading to impact-resistant roofing, or updating electrical systems can also qualify for discounts. Shopping around annually and comparing at least three insurers ensures you're getting competitive rates.
No—your dwelling coverage should reflect the cost to rebuild your home, not its market value. Market value includes land, which doesn't need rebuilding. With Eden Prairie's median home price at $505,000 and valuable land, your rebuild cost might be $100,000 less. However, extended or guaranteed replacement cost coverage can protect you if rebuilding costs exceed your estimate.
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