Fortner Insurance Agency Inc
600 W By-Pass, Suite 201, Burnsville, NC 28714
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600 W By-Pass, Suite 201, Burnsville, NC 28714
View this agency's profile to learn more about their services.
Learn about insurance coverage options specific to Burnsville residents.
Burnsville has Minnesota's highest home insurance rates. Learn why costs are rising 15% in 2026, what coverage you need, and how to save on premiums.
Minnesota requires 30/60/10 liability coverage ($30,000 per person/$60,000 per accident for injuries, $10,000 for property damage), $40,000 in Personal Injury Protection (PIP), and 25/50 uninsured/underinsured motorist coverage. However, most insurance professionals recommend carrying higher limits, especially for property damage, since $10,000 can be quickly exceeded in even minor accidents.
Minnesota homeowners insurance premiums are projected to rise 15% in 2025, with some residents seeing 20-40% increases. The primary driver is severe weather—hail, windstorms, and winter damage have caused insurance companies to lose money six out of the last seven years in Minnesota. In 2022 alone, the state suffered $6.3 billion in property damage from extreme weather events.
Standard homeowners policies don't cover flooding, and you should strongly consider flood insurance even if you're not in a high-risk zone. In Minnesota, 40% of flood claims over the past 30 years came from outside designated high-risk areas. Heavy rain and snowmelt can cause basement flooding anywhere in Burnsville, making separate flood coverage a smart investment.
Minnesota homeowners pay between $2,200 and $2,900 annually on average, depending on location, coverage level, and insurer. Rates vary significantly between carriers, with some companies like Auto-Owners offering policies as low as $1,475. Given recent rate increases and changing deductible structures, it's important to shop around annually and compare quotes from multiple insurers.
Independent agents in Burnsville like Lakeside Insurance Brokers and Insurance Brokers of Minnesota can compare quotes from multiple carriers, saving you time and potentially finding better rates. Captive agents representing one company (like State Farm or Nationwide) often offer competitive bundling discounts. Both options work well—the key is finding an agent who understands Dakota County's specific insurance challenges.
Shop around annually since rates vary significantly between carriers. Ask about discounts for bundling auto and home coverage, installing home security or fire detection systems, and participating in Minnesota's fortified roof programs. Consider raising your deductible if you have emergency savings, and make sure you're not over-insured for your home's actual replacement cost. Weatherproofing improvements can also qualify for discounts.
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