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20174 County Road 15, Elk River, MN 55330
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Elk River households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
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20174 County Road 15, Elk River, MN 55330
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16854 Highway 10 NW, Elk River, MN 55330
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16854 US-10, Elk River, MN 55330
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18853 Freeport Street NW, Elk River, MN 55330
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Learn about insurance coverage options specific to Elk River residents.
Get the complete insurance guide for Elk River, Minnesota. Learn about required auto coverage, home insurance costs, flood risks, and local agents.
Home InsuranceElk River home insurance guide: costs, winter weather coverage, flood risks, and tips for northwest metro homeowners. Get the protection you need.
Minnesota requires 30/60/10 liability coverage ($30,000 per person, $60,000 per accident, $10,000 property damage), $40,000 in Personal Injury Protection (PIP), and $25,000/$50,000 uninsured/underinsured motorist coverage. These requirements apply statewide, including Elk River, and have not changed for 2025-2026.
Home insurance in Sherburne County, where Elk River is located, typically costs between $878 and $1,191 annually, or about $73 to $99 per month. Your actual rate depends on factors like your home's age, proximity to water, coverage limits, and claims history.
While not legally required unless mandated by your mortgage lender, flood insurance is worth considering in Elk River due to its location at the confluence of the Elk River and Mississippi River. About 50% of flood damage occurs outside mapped high-risk zones, and Minnesota experiences increasing extreme rain events. Low-risk properties can get coverage for around $100 annually.
Minnesota operates under a no-fault system, meaning your own Personal Injury Protection (PIP) coverage pays for your medical expenses and lost wages after an accident, regardless of who caused it. This speeds up claims and reduces lawsuits, but you still need liability coverage to protect you if you cause injuries or property damage to others.
Yes, most insurance companies offer 15-25% discounts when you bundle home and auto policies. For Elk River residents paying $1,000+ for home insurance and $800-1,500 for auto coverage, bundling can save hundreds of dollars annually. Ask local agents about multi-policy discounts.
Elk River has a very high insurance rate, with only 2.47% of residents uninsured as of 2023, well below national averages. This reflects the community's higher median income of $99,457 and commitment to protecting families and assets.
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