Paragon Insurance
1844 W Wayzata Blvd, Long Lake, MN 55356
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1844 W Wayzata Blvd, Long Lake, MN 55356
View this agency's profile to learn more about their services.
1844 W Wayzata Blvd, Unit 101, Long Lake, MN 55356
View this agency's profile to learn more about their services.
1844 Wayzata Blvd, Long Lake, MN 55356
View this agency's profile to learn more about their services.
Learn about insurance coverage options specific to Long Lake residents.
Long Lake lakefront homes need specialized coverage for docks, boats, and winter risks. Learn what standard policies miss and how to protect your waterfront property.
Car InsuranceLong Lake drivers benefit from Minnesota's no-fault system with PIP coverage. Learn about required coverages, costs, and how to get the best rates.
Standard homeowners insurance typically provides only $1,000 to $1,500 in coverage for docks on your property, which is far less than the $10,000-$30,000 replacement cost of most docks. If you rent dock space at a marina, you're usually not covered at all. You'll need separate coverage for waterfront structures to be adequately protected, especially against ice damage which is often excluded from standard policies.
Lakefront properties in Minnesota face multiple risk factors that drive up insurance costs: increased liability from recreational water activities, additional structures like docks and boat lifts that need coverage, winter-specific risks like ice damage and frozen pipes, and water-related perils including erosion and flooding. These factors typically result in premiums that are 30-60% higher than comparable inland homes, with total annual costs ranging from $2,000 to $5,500.
Yes, most lenders require flood insurance for lakefront properties even outside designated flood zones, and for good reason. Standard homeowners policies exclude all flood damage, so if spring runoff, wave action, or seasonal flooding damages your property, you won't be covered without a separate flood policy. This coverage typically adds $500-$2,000 to your annual insurance costs but protects against risks that are inherent to waterfront living.
Homeowners insurance provides very limited boat coverage—typically only $1,000 to $1,500 for small boats with outboard motors of 25 horsepower or less, and usually only when the boat is at your home. Personal watercraft like jet skis aren't covered at all. If your watercraft is worth more than these limits or you use it regularly on the lake, you'll need a separate boat insurance policy for adequate protection.
Minnesota winters create several significant insurance risks for lakefront homeowners. Frozen pipes are the costliest, averaging $18,000 per claim. Ice dams can cause interior water damage (covered) but the ice dam removal itself typically isn't covered. Ice damage to docks and boat lifts from freeze-thaw cycles is often excluded unless you have specific ice damage protection. Snow load on roofs can also cause damage, though coverage depends on whether you maintained the roof properly.
Absolutely. Lakefront properties have significantly higher liability exposure due to swimming, boating activities, and frequent visitors. An umbrella policy provides an extra $1-5 million in liability coverage beyond your standard homeowners limits for typically just $200-$400 per year. Given that a serious drowning or boating accident could easily result in a million-dollar lawsuit, this relatively inexpensive coverage is essential for waterfront homeowners.
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