Cheryl Alexander & Associates, Inc
8588 Shadow Creek Drive, Maple Grove, MN 55311
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Maple Grove households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
Compare local agents, coverage options, and specialties to find the right fit for your insurance needs.
8588 Shadow Creek Drive, Maple Grove, MN 55311
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10650 County Road 81, Ste 131, Maple Grove, MN 55369
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7066 E Fish Lake Rd, Maple Grove, MN 55311
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7224 Forestview Ln N, Maple Grove, MN 55369
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7044 E Fish Lake Rd, Maple Grove, MN 55311
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Learn about insurance coverage options specific to Maple Grove residents.
Complete insurance guide for Maple Grove, Minnesota covering auto, home, severe weather risks, and local agents. Get the coverage you need in 2025.
Home InsuranceAverage home insurance costs $2,410/year in Maple Grove, MN. Learn about hail coverage, savings strategies, and protecting your home from severe weather.
Minnesota requires $30,000/$60,000/$10,000 in liability coverage, $40,000 in Personal Injury Protection (PIP), and $25,000/$50,000 in both uninsured and underinsured motorist coverage. Minnesota is a no-fault state, meaning you file claims with your own insurer first regardless of who caused the accident. These minimums are higher than most states due to the no-fault system.
Home insurance in Maple Grove typically costs between $901 and $1,222 annually, or about $75 to $100 per month. Costs are higher than rural Minnesota due to proximity to Minneapolis, higher home values (median around $420,000), and severe weather risks including frequent hail. Shopping around can save you up to $424 by comparing multiple carriers.
No, standard homeowners insurance does not cover flood damage. This is important in Maple Grove because 10% of homes are at risk for water damage from the area's heavy rainfall and flash flooding potential. You need a separate flood insurance policy through the National Flood Insurance Program (NFIP) or a private carrier to protect against flooding.
Maple Grove has experienced 37 severe weather warnings in the past year, and Doppler radar has detected hail 76 times in the area, with some hailstones reaching four inches or larger. This frequent severe weather—including damaging hail, strong winds, and tornadoes—increases insurance claims and drives up premiums. Roof replacement costs now range from $20,000 to $40,000, which insurers factor into pricing.
Umbrella insurance is strongly recommended for Maple Grove residents, especially given the higher median household income ($129,000) and home values (around $420,000). For $200-$400 annually, you can add $1 million in liability coverage above your auto and home policies. This protects your assets if you're sued for damages exceeding your standard policy limits, which is increasingly common in today's litigious environment.
Get quotes from at least three different carriers or work with a local independent agent who can compare multiple companies. Focus on Maple Grove's five local agencies that understand Hennepin County risks and Minnesota's no-fault system. Ask about multi-policy bundling, good driver discounts, home security credits, and credit score discounts. Review your coverage every 2-3 years, especially after home improvements or life changes.
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