# Home Insurance Eagan, MN | Block Agency > Minnesota home insurance from a local Farmers® agency in Eagan. Rebuild-cost coverage, hail deductible help, home + auto bundles. (651) 252-6655. Source: https://blockagencyinc.com/home-insurance [Home](https://blockagencyinc.com/) / Home Insurance # Minnesota Home Insurance: Insured for what it costs to rebuild. Not what you paid, not what Zillow says. Minnesota homeowners coverage built on the real number, by a local Farmers Insurance® agency that will tell you the truth about this market. [Get My Free Home Quote](https://blockagencyinc.com/quote?type=home) [or call **(651) 252-6655**](tel:+16512526655) $6.3B MN Storm Damage in 2022 1–2% Typical Wind/Hail Deductible 60 Days Nonrenewal Notice Required 15 min To Start Your Quote The Quick Answer Minnesota does not legally require homeowners insurance, but **your mortgage lender does**. The number that matters most on the policy is your ** dwelling limit, which should equal rebuild cost, not market value**. Hail is the state's biggest home insurance story — 2022 brought about **$6.3 billion** in Minnesota storm damage — and many policies now carry a ** separate wind/hail deductible of 1 to 2 percent** or more of the home's insured value. ** Flood and sewer backup are not covered** by a standard policy; each is added separately. If you are nonrenewed, Minnesota requires ** at least 60 days' notice stating the specific reason**. ** Block Agency**, a Farmers agency in Eagan, quotes Minnesota and Wisconsin homeowners coverage for free at **[(651) 252-6655](tel:+16512526655)**. It takes about 15 minutes to get started. Required by : Lenders, not Minnesota law Insure to : Rebuild cost, not market value Not covered : Flood & sewer backup (added separately) Free quotes : [(651) 252-6655](tel:+16512526655) Minnesota Home Insurance, The Short Version ## Most Minnesota homes are insured to the wrong number. Or with the wrong deductible. Ask a homeowner what their house is worth and they will tell you the market value. Ask what their dwelling limit should be and most give you the same number. Those are different figures. Your dwelling limit should equal what a builder charges to rebuild your house today, and after the construction inflation of the last few years, a limit set in 2020 and nudged up a few percent each renewal is quietly short of that number. You find out at the worst possible moment. In Minnesota there is a second number that matters just as much: **your wind/hail deductible**. More policies now calculate it as a percentage of the home's insured value, and after a hailstorm the difference between a flat $1,000 deductible and 2 percent of $400,000 is $7,000 out of your pocket. ** The whole job is getting those numbers right**, then building sensible liability, deductible, and endorsement choices around them. The other half of the job is the market itself. Minnesota home insurance premiums have risen faster than almost anywhere in the country since 2023 — one national rate analysis put the 2025 increase at roughly **34 percent**, the largest of any state, and rates kept climbing in the first half of 2026. Policies changed shape along the way: percentage hail deductibles, roofs paid at depreciated value, and new matching and cosmetic-damage exclusions. That is exactly why it pays to have a local agent read the fine print with you. That is the entire offer here. As a local Farmers agency, we will tell you what your home realistically costs to rebuild and what it costs to insure with Farmers — and we can also shop additional carriers when Farmers isn't the right fit. We will explain how [hail deductibles and Minnesota's renewal rules](#mn-market) work, what [flood coverage](https://blockagencyinc.com/flood-insurance) costs alongside your policy, and what the [auto bundle](https://blockagencyinc.com/auto-insurance) does to the price. If you own a [condo rather than a house](https://blockagencyinc.com/condo-insurance), that is a different policy and a different set of traps. Ballpark it first with the [home rate estimator](https://blockagencyinc.com/#estimator), then call us for the real number. ## What a homeowners policy covers. And the three things it leaves out. A standard **HO-3 policy** is six coverages in a trench coat, labeled A through F. Knowing which does what is how you avoid finding out at claim time. Coverage A Rebuild Cost ### Dwelling The structure itself: walls, roof, foundation, built-in appliances. This is the number everything else keys off, and the one most often set wrong. It should equal what a builder charges to rebuild today, not the market price of the house. Coverage B 10% of A ### Other Structures Detached garage, fence, shed, the workshop out back. Usually defaults to 10 percent of your dwelling limit, which is fine until you build something. A big detached garage or pole shed can blow past the default quickly. Coverage C 50% of A ### Personal Property Everything you would take if you moved. Jewelry, art, cameras, and collections carry sub-limits, often $1,500 to $2,500, so anything meaningful should be scheduled separately for full coverage. Coverage D 20% of A ### Loss of Use Pays your rent, hotel, and extra costs while the house is uninhabitable. After a major hail or fire loss, contractors book up and repairs can stretch for months, and a comparable Twin Cities rental adds up fast. This limit deserves an actual look. Coverage E $300k+ ### Personal Liability Covers you when someone is injured on your property or you damage someone else's, including legal defense. Follows you off the property too. This is where an umbrella policy earns its keep for anyone with real assets. Coverage F $1k to $5k ### Medical Payments Pays a guest's minor medical bills regardless of fault, no lawsuit required. Small limits, small cost, and it quietly settles the kind of incident that would otherwise turn into a liability claim against you. Not by default Backup ### Sewer & Drain Backup Water that backs up through a floor drain, sewer line, or sump is not covered by a standard homeowners policy, and it is not covered by flood insurance either. It is a separate endorsement, and in a home with a finished basement it is one of the most important lines on the quote. Not covered Flood ### Flood Rising water from outside needs a separate NFIP or private flood policy, and Minnesota law requires your insurer to remind you every year that your policy does not cover flood. A burst pipe is covered; spring snowmelt pouring in from outside is not. A large share of flood claims come from outside high-risk zones. Not covered Upkeep ### Wear, Tear & Neglect Insurance covers sudden and accidental, not gradual. A roof at the end of its life, slow leaks, rot, and deferred maintenance are yours. Worth knowing, because roof age and condition drive both price and eligibility in Minnesota — hail sees to that. ### Is your dwelling limit still the right number? It is the single most common gap we find, and the easiest to fix before you need it. We will recalculate rebuild cost with you, and it takes about 15 minutes to get started. [Check My Coverage](https://blockagencyinc.com/quote?type=home) [Call (651) 252-6655](tel:+16512526655) Coverage Basics ## The four decisions that actually shape your policy. Past the six coverages, a handful of choices determine whether your policy holds up. These are the ones worth understanding. ### 1. Rebuild cost, and the cushion above it Rebuild cost is what a contractor charges today to put your house back: labor, materials, permits, debris removal, and the premium you pay for building one house rather than a subdivision. It has nothing to do with your purchase price or your mortgage balance. Even a well-set limit can fall short after a major storm, when demand surge sends construction prices up all at once — Minnesota's August 11, 2023 hailstorm alone caused more than $1 billion in damage. That is what **extended replacement cost** is for: it adds a cushion above your dwelling limit, commonly 25 to 50 percent, for exactly this scenario. Pair it with ** building code upgrade coverage**, which pays the difference when current code requires more than what your house was built to. On an older Saint Paul or Bloomington home, code upgrades alone can be a serious number. ### 2. Replacement cost versus actual cash value Replacement cost pays to replace what you lost with new equivalents. Actual cash value pays depreciated value. For belongings, the upgrade to replacement cost is inexpensive and worth it for nearly everyone. Watch your roof specifically. A 2026 Minnesota task force report on homeowners insurance noted roof coverage shifting to actual cash value, along with matching exclusions and cosmetic-damage exclusions for metal roofs. A fifteen-year-old roof paid at actual cash value pays out like a fifteen-year-old roof while the new one is billed at today's prices, and that difference can run tens of thousands. It is one of the first lines we read on a policy you already have. ### 3. Your deductible, including the separate one you may not know about The flat deductible is your main pricing lever, and the right one is the largest number you could write a check for tomorrow without wincing. Moving from $1,000 to $2,500 can lower your premium. The one to actually read for: many Minnesota policies now carry a **separate wind/hail deductible**, either a flat amount or a percentage of the home's insured value, commonly 1 to 2 percent or more. On a $400,000 home, a 2 percent deductible is $8,000, and it applies precisely when the whole neighborhood is calling roofers. Since 2024, Minnesota law requires an insurer that moves you to a percentage weather deductible to give you **60 days' notice**, show a dollar example, and ** offer at least one flat-dollar option**. You should know your number before storm season, not after. ### 4. Liability, and why the umbrella is usually the best value on the page Your homeowners liability limit protects your assets when someone is hurt on your property or you are found responsible for damage elsewhere. Most policies default to $300,000, which was a reasonable number in a different decade. An **umbrella policy** stacks $1 million or more on top of both your home and [auto](https://blockagencyinc.com/auto-insurance) liability, and it is often affordable relative to the protection it adds. Measured in dollars of protection per dollar of premium, nothing else on the page comes close. If you own a home in the Twin Cities, you have assets worth defending. ### Send us your declarations page. We will read it with you. Roof settlement, wind/hail deductible, dwelling limit, sewer backup, liability. We will flag what is exposed and what is fine, and quote the fix. No pressure either way. [Get My Free Quote](https://blockagencyinc.com/quote?type=home) [Call (651) 252-6655](tel:+16512526655) The Minnesota Market, Honestly ## Hail, winter water, and your rights at renewal. You have read the headlines. Here is the version without the panic, current as of fall 2026. ### Hail is the Minnesota story Severe thunderstorms and hail are the biggest driver of home insurance losses in Minnesota. 2022 was the state's costliest storm year, with about **$6.3 billion** in property damage, and a single hailstorm on ** August 11, 2023** caused more than $1 billion on its own. In one major insurer's 2022 claims data, Minnesota ranked ** first in the nation for hail claim costs**, at roughly $799 million. That is why premiums moved so fast, and why policies changed shape. Many now carry a **separate wind/hail deductible of 1 to 2 percent or more** of the home's insured value. The Minnesota Department of Commerce has warned homeowners to check for exactly this change, and complaints about it more than doubled between 2020 and 2023. Minnesota answered with two useful rules. Since 2024, an insurer that switches you to a percentage weather deductible must give **60 days' notice**, include a worked dollar example, and offer ** at least one flat-dollar deductible option**. And insurers ** must give a premium discount for a home built or retrofitted to the IBHS FORTIFIED roof standard**, effective January 1, 2024. If you are replacing a roof anyway, ask us about FORTIFIED before you sign the contract. ### Winter water: what is covered, and the gap that is not Ice dams, frozen and burst pipes, and the weight of snow and ice are generally covered by a standard homeowners policy — typically on the condition that you kept the heat on and took reasonable care. Leave a house unheated in January and a freeze claim can be denied. The gap is water that comes up instead of down. **Sewer and drain backup is not covered** by a standard homeowners policy, and it is not covered by flood insurance either. It is a separate endorsement, and it is one of the first things we look at for any home with a finished basement. Flood is its own policy. Minnesota requires your insurer to send an annual notice that your homeowners policy does not cover flood, and spring snowmelt along the Mississippi and Minnesota Rivers is a real exposure in Dakota County and Saint Paul — Saint Paul declared a local flood emergency in April 2023. [Flood coverage](https://blockagencyinc.com/flood-insurance) through the NFIP typically has a 30-day waiting period, so buy it before the thaw, not during it. ### If you have been nonrenewed Nonrenewal is not cancellation, and it is often not about you. Minnesota requires **at least 60 days' notice before a nonrenewal, stating the specific reason**. Once a policy has been in force 60 days, an insurer can cancel it mid-term only for narrow reasons — nonpayment, fraud or misrepresentation, acts that materially increase the risk, or uncorrected physical changes that make the property uninsurable — with 30 days' notice, or 20 days for nonpayment. A few rules worth knowing before you accept the letter as final. Since 2024, an insurer may nonrenew a home that has had **three or more covered weather losses — lightning, wind, rain, or hail — each over $10,000 within five years**, and that notice must mention the Minnesota FAIR Plan. An insurer cannot refuse, cancel, or nonrenew you ** solely because of your dog's breed**, though a dog with a bite history is a different matter. And asking whether something is covered is not a claim: Minnesota bars insurers from counting a simple inquiry as one. Then move. Sixty days is workable if you start on day one. Call us with the letter in hand: we start with Farmers and can also shop additional carriers when Farmers isn't the right fit. If the private market truly says no, the **Minnesota FAIR Plan** is the last resort for homeowners who have been cancelled, nonrenewed, or cannot find coverage. In western Wisconsin, insurers must also give at least 60 days' notice before a nonrenewal. ### Got a deductible-change notice, or been told no? Bring the letter. We will translate the new deductible into dollars, price a flat-dollar option, and re-check your home. No charge and no pitch. [Re-Check My Home](https://blockagencyinc.com/quote?type=home) [Call (651) 252-6655](tel:+16512526655) ## Seven honest ways to lower your premium. Without hollowing out the policy. In Minnesota the two biggest levers are **bundling with auto** and ** the roof over your head**, because hail drives this market. The rest stack on top. 1 ### Bundle home with auto Multi-policy discounts, where available, are among the most common for a Minnesota homeowner, and bundling home and auto with Farmers can lower both premiums. It also puts your whole plan with one local office that can see the full picture instead of two that each see half. Start with an [auto quote](https://blockagencyinc.com/auto-insurance) and we will price the pair. 2 ### Upgrade the roof, and ask about the discounts it may earn Insurers price the roof harder than almost anything else on a Minnesota house. Impact-resistant shingles can earn discounts, a newer roof changes both your rate and your eligibility, and state law now requires a premium discount for a home built or retrofitted to the IBHS FORTIFIED standard. This is one of the few places where spending money can lower your rate — and after the next hailstorm, you will be glad twice. 3 ### Raise the deductible your savings can actually cover Moving from $1,000 to $2,500 typically trims the premium enough to pay for itself over a few claim-free years. The right deductible is the biggest number you could write a check for tomorrow without losing sleep. Ask to see the wind/hail deductible both ways too — percentage versus flat-dollar — so the trade-off is a decision, not a surprise. 4 ### Stop insuring the land If your dwelling limit was set from market value, you are paying for coverage that can never pay out, since nobody rebuilds dirt. Recalculating to true rebuild cost sometimes lowers the premium outright. Sometimes it raises it, because the limit was short. Either way you find out now instead of at a claim. 5 ### Think hard before filing a small claim A $3,000 water claim on a $2,500 deductible nets you $500 and can follow the property for years, both in your rate and in your eligibility. In Minnesota, three or more weather losses over $10,000 in five years can now be grounds for nonrenewal. A question is not a claim — Minnesota law says an inquiry cannot be counted as one — so call us first and we will tell you honestly whether it is worth filing. 6 ### Stack the boring discounts Monitored alarm, water leak detection, updated roof, updated electrical and plumbing, new home, claims-free, paperless, paid in full, where available. Individually small, collectively real, and they are exactly the kind of thing that falls off a policy over the years without anyone noticing. 7 ### Ask for a renewal review, because this market moves Minnesota premiums and policy terms keep changing, rebuild costs keep moving, and your home changes. We offer a free coverage review before your renewal — just ask, or we'll reach out. We start with Farmers, and we can also shop additional carriers when Farmers isn't the right fit. What does not work: shaving the dwelling limit to hit a target premium. That is not a saving, it is a deferred loss. ## Every Minnesota home is a different problem. We quote them all. A finished basement, a 1950s rambler, a house near the river, a home you rent out. Each changes how the policy should be built. [### Homes near the rivers Low-lying addresses near the Mississippi and Minnesota Rivers. Home, flood, and sewer backup built together, with the flood policy bought before the spring thaw, not during it.](https://blockagencyinc.com/quote) [### Older Twin Cities homes Cast iron drains, original plumbing, a roof with opinions. Age drives both price and eligibility, and building code upgrade coverage stops being optional.](https://blockagencyinc.com/quote) [### Homes with a finished basement Flooring, furniture, and a home office below grade. Sewer and drain backup coverage is not automatic, and a low endorsement limit can fall well short of what is down there. Common, and commonly missed.](https://blockagencyinc.com/quote) [### High-value & custom homes Custom millwork, imported stone, and finishes a standard rebuild calculator does not know exist. These need a policy that reflects what it actually costs to put back.](https://blockagencyinc.com/quote) [### Rentals & second homes A home you rent out needs a landlord policy, not a homeowners policy. Filing a claim on the wrong form is how people discover the difference.](https://blockagencyinc.com/landlord-insurance) [### First-time buyers under contract Insurance is a real closing cost in Minnesota, not a formality at the end. Get the quote before you write the offer, not after. We work on closing timelines and send lender-ready proof of coverage.](https://blockagencyinc.com/quote) ### Under contract, or renewing soon? Tell us the address and we will tell you what is available, what it costs, and what would make it cheaper. Straight answer, no obligation. [Get My Free Quote](https://blockagencyinc.com/quote?type=home) [Call (651) 252-6655](tel:+16512526655) ## Homeowners insurance in Eagan. And across the Twin Cities metro. Home insurance is priced address by address, and crossing the St. Croix into Wisconsin changes both the rules and, usually, the price. Ryan Block is licensed in Minnesota and Wisconsin, so one office covers both sides of the river. [Get Quote](https://blockagencyinc.com/quote) [Eagan](https://blockagencyinc.com/quote) [Burnsville](https://blockagencyinc.com/quote) [Apple Valley](https://blockagencyinc.com/quote) [Lakeville](https://blockagencyinc.com/quote) [Inver Grove Heights](https://blockagencyinc.com/quote) [Mendota Heights](https://blockagencyinc.com/quote) [Rosemount](https://blockagencyinc.com/quote) [Farmington](https://blockagencyinc.com/quote) [Savage](https://blockagencyinc.com/quote) [Prior Lake](https://blockagencyinc.com/quote) [Bloomington](https://blockagencyinc.com/quote) [Woodbury](https://blockagencyinc.com/quote) [Saint Paul](https://blockagencyinc.com/quote) [South St. Paul](https://blockagencyinc.com/quote) [Hudson, WI](https://blockagencyinc.com/quote) [River Falls, WI](https://blockagencyinc.com/quote) [All of Minnesota & Wisconsin](https://blockagencyinc.com/quote) ## Minnesota home insurance questions. Straight answers. Is homeowners insurance required in Minnesota?+ Minnesota law does not require homeowners insurance. Your **mortgage lender does**, and they will require it in writing, with the lender named on the policy. If you let coverage lapse, the lender can buy force-placed insurance and bill you for it. That coverage is usually far more expensive and protects the lender's interest, not yours. Owning your home free and clear is the only situation where going without is realistic, and it is still a bet against your single largest asset. What does homeowners insurance actually cover?+ A standard HO-3 policy covers six things: **the dwelling** (structure), ** other structures** (fence, detached garage, shed), ** personal property** (belongings), ** loss of use** (somewhere to live during repairs), ** personal liability** (if someone is hurt or you damage someone else's property), and ** medical payments** to guests. Covered perils include fire, smoke, theft, vandalism, wind and hail (often with a separate deductible), most sudden water damage, and winter damage like ice dams and burst pipes. The big exclusions are flood, sewer and drain backup unless you add the endorsement, and anything that counts as maintenance. How much is homeowners insurance in Minnesota?+ It depends heavily on the method behind the number. The most recent regulator-compiled average (NAIC, 2022 data) was about **$1,774 a year**, above the U.S. average of $1,569, and premiums have climbed sharply since. One national rate analysis put Minnesota's 2025 increase at roughly **34 percent**, the largest of any state, with its estimated average reaching about $3,500 a year by the end of 2025. Western Wisconsin homes typically price well below Minnesota. Averages are close to useless for budgeting your specific home, which is why we quote your actual address rather than quoting a table. How much dwelling coverage do I need?+ Your dwelling limit should equal the **cost to rebuild your home**, not what you paid, not what Zillow says, and not what you owe. Rebuild cost is what a contractor charges today for labor, materials, permits, and debris removal. The dangerous mistake is under-insuring. Construction costs rose sharply after 2020, and a dwelling limit set years ago and nudged along by small annual increases is often well short of today's rebuild cost. We recalculate rebuild cost with you rather than letting the number drift. Does homeowners insurance cover hail damage in Minnesota?+ **Yes, and the details matter.** Hail and wind are covered perils on a standard Minnesota homeowners policy, but many policies now apply a ** separate wind/hail deductible** — a flat amount or 1 to 2 percent or more of the home's insured value — and some settle the roof at actual cash value rather than replacement cost. Hail is the state's biggest loss driver: 2022 brought about $6.3 billion in Minnesota storm damage, and the August 11, 2023 hailstorm topped $1 billion on its own. Read your wind/hail deductible and roof settlement terms before storm season, and see our [Minnesota market guide](#mn-market) for the 2024 rules that protect you. Does homeowners insurance cover flood?+ **No.** Rising water from outside is excluded from standard homeowners policies, and Minnesota requires your insurer to send an annual notice saying so. Flood is written separately through the ** National Flood Insurance Program** or a private flood carrier. NFIP residential limits top out at $250,000 for the building and $100,000 for contents, and a 30-day waiting period typically applies. A burst pipe is a different thing entirely, and that sudden, accidental water damage is covered. Sewer and drain backup is a third category: not covered by homeowners or flood insurance unless you add a backup endorsement. A large share of flood claims come from outside high-risk zones, so [check flood coverage](https://blockagencyinc.com/flood-insurance) rather than assume. Are ice dams and frozen pipes covered?+ **Generally, yes.** Standard homeowners policies cover most freeze damage, including burst pipes, water that gets in from an ice dam, and damage from the weight of snow and ice. That coverage typically depends on reasonable care, which mostly means keeping the heat on. What is not covered is water backing up through a floor drain or sewer line, which needs a separate **sewer and drain backup endorsement**, and the gutters or roof wear that caused the problem in the first place. If you leave for a stretch in winter, keep the heat on and have someone check the house. My insurer nonrenewed me. What now?+ First, do not panic, and do not confuse it with cancellation. Minnesota requires **at least 60 days' notice before a nonrenewal, stating the specific reason**. Once a policy has been in force 60 days, mid-term cancellation is limited to narrow reasons like nonpayment, fraud, or a material increase in risk. Since 2024, Minnesota insurers may nonrenew for **three or more covered weather losses over $10,000 each within five years**, and that notice must mention the Minnesota FAIR Plan, the market of last resort. Wisconsin also requires at least 60 days' notice. Then use the window. Call us the day the letter arrives. We start with Farmers and can also shop additional carriers when Farmers isn't the right fit. What's the difference between replacement cost and actual cash value?+ **Replacement cost** pays to replace what you lost with new equivalent items. ** Actual cash value** pays the depreciated value, so a ten-year-old roof pays out like a ten-year-old roof, not a new one. For belongings, replacement cost is worth the modest premium difference for nearly everyone. Watch the roof specifically: a 2026 Minnesota task force report noted roof coverage shifting to actual cash value, because hail drives this market. The gap at claim time can run tens of thousands. It is one of the first things we check on a policy you already have. What is a wind or hail percentage deductible?+ It is a separate deductible for wind and hail claims calculated as a **percentage of your home's insured value**, commonly 1 to 2 percent or more, instead of a flat dollar amount. On a $400,000 home, a 2 percent deductible means **$8,000 out of pocket** before coverage responds. Since 2024, Minnesota law requires an insurer that moves you to a percentage weather deductible to give 60 days' notice, show a worked dollar example, and offer at least one flat-dollar option. When we quote, we will show you what each choice does to the premium. Does my credit score affect my home insurance rate in Minnesota?+ **It can.** Minnesota allows insurers to use credit-based insurance scores, with limits: credit cannot be the sole underwriting factor, a thin or missing credit file cannot be penalized, insurers must disclose that they use it, and you can ask to be re-scored up to twice a year. There are also exceptions for hardships like catastrophic illness or injury, temporary loss of employment, or the death of an immediate family member. If one applies to you, tell us and we will raise it. How can I lower my Minnesota home insurance premium?+ The reliable levers are bundling home with [auto](https://blockagencyinc.com/auto-insurance), raising your deductible if your savings can absorb it, and the roof: impact-resistant shingles can earn discounts, and Minnesota law requires a premium discount for a home built or retrofitted to the IBHS FORTIFIED standard. Then ask us for a free renewal review — pricing and policy terms in Minnesota move constantly. What to avoid is under-insuring the dwelling to chase a lower premium. If the limit will not rebuild the house, the savings were never real. Still have questions? [Call (651) 252-6655](tel:+16512526655). We will give you a straight answer. ## Add the cars. One agency for both. [Get a home quote](https://blockagencyinc.com/quote?type=home) [Auto insurance](https://blockagencyinc.com/auto-insurance) [Landlord insurance](https://blockagencyinc.com/landlord-insurance) [Call (651) 252-6655](tel:+16512526655) ## Find out what your home really costs to insure. Free, fast, and in plain English. Tell us the address and what is in it. We will get the rebuild number right, and tell you what is available. It takes about 15 minutes to get started. [Get My Free Home Quote](https://blockagencyinc.com/quote?type=home) [or call **(651) 252-6655**](tel:+16512526655) --- **Farmers Insurance - Block Agency** · 1121 Town Centre Drive, Suite 101, Eagan, MN 55123 · (651) 252-6655 · Mon–Fri 9:00 AM–5:00 PM; evenings by appointment Request a quote: https://blockagencyinc.com/quote-request (plain HTML form) or https://blockagencyinc.com/quote (guided).