Ambruster Executive & Employee
7835 3rd St N, Suite 107, Oakdale, MN 55128
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Oakdale 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.
7835 3rd St N, Suite 107, Oakdale, MN 55128
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600 Inwood Ave N, Ste 235, Oakdale, MN 55128
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6230 10th St N, Suite 430a, Oakdale, MN 55128
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7200 Hudson Blvd N, Suite 103, Oakdale, MN 55128
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711 Hale Ave N, Suite 101, Oakdale, MN 55128
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Learn about insurance coverage options specific to Oakdale residents.
Discover auto, home, and flood insurance requirements in Oakdale, Minnesota. Learn about no-fault coverage, rising rates, and local agents in Washington County.
Home InsuranceOakdale home insurance rates are rising 15% in 2025 due to severe weather. Learn about hail damage, ice dams, and coverage costs in Washington County.
Car InsuranceOakdale auto insurance guide covering MN's no-fault system, required PIP coverage, 30/60/10 minimums, and rates for Washington County drivers on I-94 & I-694.
Yes, you should seriously consider it. Approximately 50% of flood damage in Minnesota occurs outside mapped flood zones due to stormwater flooding and extreme rain events. Flash flooding is becoming more common, and standard homeowners policies don't cover any flood damage. At around $958 per year for coverage, it's affordable protection against a catastrophic loss.
You could be personally liable for any costs above your policy limits. If your $30,000 per person coverage is exhausted by medical bills and the injured party has $75,000 in expenses, you're on the hook for the remaining $45,000. The minimums are rarely enough for serious accidents, which is why most experts recommend much higher liability limits.
Shop around and get quotes from at least three carriers or work with an independent agent who can compare multiple insurers. Bundle your auto and home policies, increase your deductible, ask about discounts for security systems or good driving records, and improve your credit score. Even bundling alone can save 15-25% on premiums.
Local agents understand Washington County's specific risks like flooding patterns, tornado frequency, and winter storm damage. They provide personalized service, can meet face-to-face when needed, and handle claims faster because they know the area. Independent agents can also compare rates from dozens of carriers to find the best value for your situation.
Yes, standard homeowners policies cover tornado damage, wind damage, hail, and other storm-related perils. With Minnesota seeing a high number of strong tornadoes in recent years, this coverage is essential. However, flood damage from heavy rains or storms requires separate flood insurance and is never covered by standard policies.
PIP is part of Minnesota's no-fault insurance system and covers your medical expenses, lost wages, funeral costs, and replacement services after an accident regardless of who caused it. The state requires $40,000 in PIP coverage so you can get immediate medical care without waiting for fault determination or the other driver's insurance to pay.
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