# Farmers Insurance in Eagan, MN | Home & Auto | Block Agency > Local Farmers Insurance® agency in Eagan, MN. Home + auto bundles, condo, renters, life and business coverage for Minnesota and Wisconsin. Se habla español. Source: https://blockagencyinc.com/ # Insurance built for Minnesota families. Sophisticated Solutions. Neighborhood Service. National Strength. Home + auto bundles from your local Farmers Insurance® agency in Eagan, serving Minnesota and Wisconsin. Se habla español. [Get My Free Quote](https://blockagencyinc.com/quote) [or call **(651) 252-6655**](tel:+16512526655) Your neighborhood Farmers agency ## Local service, done right. Insurance is only as good as the person behind it. When something changes or something goes wrong, you call our Eagan office, not a call center. MN + WI Licensed in both states EN + ES Service in English & Spanish [Get My Free Quote](https://blockagencyinc.com/quote) [Call (651) 252-6655](tel:+16512526655) ## Block Agency helps protect the life you're building. [Bundle home + auto. One agency, one plan, multi-policy discounts where available.](https://blockagencyinc.com/quote) [Talk to a real person. In English or Spanish, from our Eagan office, not an 800-number queue.](https://blockagencyinc.com/quote) [Free renewal reviews, on request. Your coverage keeps up with your life.](https://blockagencyinc.com/quote) [Umbrella & life, too. Protection that goes past the minimums.](https://blockagencyinc.com/quote) [Landlords welcome. Rental homes, duplexes, and income property covered right.](https://blockagencyinc.com/quote) [Hail & winter guidance. Wind/hail deductibles, ice dams, and sewer backup explained up front.](https://blockagencyinc.com/quote) [National strength, local choice. Backed by Farmers, and we can also shop additional carriers when Farmers isn't the right fit.](https://blockagencyinc.com/quote) Most Popular ### Home Insurance Hail, wind, and winter-ready. Sized to real rebuild cost [Get a Quote](https://blockagencyinc.com/quote) [Learn More](https://blockagencyinc.com/home-insurance) Bundle & Save ### Auto Insurance No-fault PIP and limits past the 30/60/10 minimum [Get a Quote](https://blockagencyinc.com/quote) [Learn More](https://blockagencyinc.com/auto-insurance) Condos & Townhomes ### Condo Insurance HO-6 walls-in and loss assessment coverage your HOA policy skips [Get a Quote](https://blockagencyinc.com/quote) [Learn More](https://blockagencyinc.com/condo-insurance) Apartments & Rentals ### Renters Insurance Your belongings and liability, from about $15 a month (MN Commerce estimate) [Get a Quote](https://blockagencyinc.com/quote) [Learn More](https://blockagencyinc.com/renters-insurance) Income Property ### Landlord Insurance Rental homes, duplexes, and the rent they bring in [Get a Quote](https://blockagencyinc.com/quote) [Learn More](https://blockagencyinc.com/landlord-insurance) For Business Owners ### Business Insurance Coverage for the company you built [Get a Quote](https://blockagencyinc.com/quote) [Learn More](https://blockagencyinc.com/business-insurance) Spring Thaw Essential ### Flood Insurance Snowmelt and river flooding. Standard homeowners policies don't cover flood [Get a Quote](https://blockagencyinc.com/quote) [Learn More](https://blockagencyinc.com/flood-insurance) For Families ### Life Insurance Term and permanent options that keep plans intact [Get a Quote](https://blockagencyinc.com/quote) [Learn More](https://blockagencyinc.com/life-insurance) Weekends & Getaways ### Recreational Boats, RVs, motorcycles, and lake-season fun [Get a Quote](https://blockagencyinc.com/quote) [Learn More](https://blockagencyinc.com/rv-insurance) ## More ways we protect you. Coverage built around real life. Bundling ### Simpler coverage. Better together. Pair your home and auto policies for multi-policy discounts, where available, and one point of contact. One plan, one renewal. Simplicity. HHome Policy Dwelling + liability AAuto Policy 2 vehicles, full coverage Bundled and covered Multi-policy discount, where available Renewal Review ### Your life changes. Your coverage should too. New car, finished basement, teen driver, new rental. We offer a free coverage review before your renewal — just ask, or we'll reach out. "Basement finished. Does the house need more coverage?" Renewal review booked 15 min · with Ryan's team Beyond the Minimums ### The state minimum isn't a plan. Minnesota's 30/60/10 rarely covers a serious crash on I-35E. We size coverage to what you actually have to protect. **30/60/10** state minimum $10K property damage won't replace most cars **Your plan** sized to your life Assets, family & lifestyle accounted for Landlords & Rentals ### Income property, covered properly. Rental homes, duplexes, and condos you rent out: the structure, the rent, and the liability most owners miss. RRental · Burnsville Dwelling + loss of rent UDuplex unit · rented out Added to the same plan $Landlord liability The layer owners forget New Homebuyers ### Closing in 12 days? We've got you. Lender-ready binders, escrow deadlines, and proof of coverage sent fast. One less thing between you and the keys. "Escrow closes Friday. Lender needs proof of insurance!!" Proof of coverage sent fast Lender notified 🔑Keys on Friday Covered from day one When It Happens ### The day you actually need us. A real person who knows your policy, helps you start the claim, and follows it to the finish. This is what you're actually buying. !Slid on ice · Hwy 13 Everyone's okay Claim started together One call to your agent Followed to the finish Check-ins until it's closed Making the Switch ### Already insured? We handle the paperwork. We review what you have now, quote a better fit, help cancel the old policy, and notify your lender. About 15 minutes to get started. OOld policy Canceled for you $Refund on its way We followed up, not you New plan active Lender notified ## Ballpark it. Then get your real number in one call. Zip Code Annual Mileage 12,000 mi Coverage LevelBasic: 30/60/10 + PIP (MN Minimum)Full Coverage: + Collision & CompPremium: Full + Higher UM/UIM & Extras Driving RecordClean Record1 Minor Violation1 At-Fault AccidentMultiple Incidents Household Drivers1–2 adults3+ adultsIncludes a teen driver Estimated Monthly Premium $93 per month Liability (30/60/10+)$67/mo Collision— Comprehensive— No-fault PIP & UM/UIM$26/mo \* Estimates only, based on Minnesota market averages (Wisconsin ZIPs adjusted). Not a quote. Actual rates vary by carrier, driver & ZIP. Bundling home + auto may lower both, where available. [Get My Exact Quote →](https://blockagencyinc.com/quote) Home Value $300,000 Home Age 25 years Deductible$1,000 (Lower Deductible)$2,500 (Standard)$5,000 (Higher)$10,000 (High) Location RiskWestern WisconsinTwin Cities Metro (Standard)Greater MinnesotaSouthern MN / Higher Hail Exposure Special FeaturesNonePoolDetached Garage / WorkshopPool + Outbuildings Estimated Annual Premium $2,700 per year ($225/mo) Dwelling$142/mo Personal Property$41/mo Liability$27/mo Other Structures$16/mo \* Estimates only, based on Minnesota market averages for a standard home. Not a quote. Wind/hail deductibles may be a percentage of your dwelling limit, and flood and sewer backup are separate. Ask about bundling with auto. [Get My Exact Quote →](https://blockagencyinc.com/quote) Your Age 35 Coverage Amount $750,000 Term Length10-Year Term20-Year Term30-Year Term HealthExcellentGoodAverage Tobacco UseNon-smokerSmoker / tobacco user Estimated Monthly Premium $36 per month · designed to stay level for the term you choose Coverage$750,000 Rate per $100k$4.80/mo Term20 years Protection through age55 \* Illustration only, not a quote. Life rates depend on underwriting, and level-premium periods vary by product. [Get My Exact Quote →](https://blockagencyinc.com/quote) ## Keep exploring [Get a quote](https://blockagencyinc.com/quote) [Read the blog](https://blockagencyinc.com/blog/) [Why us?](https://blockagencyinc.com/about-ryan-block) [Call (651) 252-6655](tel:+16512526655) ## What working with us looks like. Local, personal, and bilingual. One local office and one point of contact. You call Eagan, and the person who answers knows your policy. L Local office Eagan, Minnesota We offer a free coverage review before your renewal — just ask, or we'll reach out. Your plan keeps up with your life and a fast-changing Minnesota market. R Free renewal review Renewal reviews on request Quotes, questions, and policy changes in English or Spanish. Bilingual service from the same local team. E Se habla español English or Spanish When hail, ice, or a fender bender hits, your own agent helps you start the claim and checks in until it is settled. C Claims help From your own agent ## Minnesota insurance questions. Straight answers. Why is my homeowners insurance going up in Minnesota?+ Mostly hail and severe storms. Minnesota's costliest storm year, 2022, caused about $6.3 billion in property damage, and a single hailstorm on August 11, 2023 topped $1 billion. Add higher rebuilding costs, and premiums here have risen faster than almost anywhere in the country since 2023, even for homeowners who have never filed a claim. What you can control: your deductibles, bundling home and auto, your roof (Minnesota law requires insurers to give a premium discount for homes built or retrofitted to IBHS FORTIFIED roof standards), and a dwelling limit that matches real rebuild cost. We offer a free coverage review before your renewal — just ask, or we'll reach out. How much is home insurance in Minnesota?+ It depends on your home, roof, deductible, and claims history, so treat any average as a rough guide. Insurify's standardized estimate for a $300,000 home in Minnesota is roughly $2,700 a year, and other sources land higher or lower depending on how they measure. Wisconsin runs noticeably lower, about $1,500 a year on the same estimate. Our rate estimator below gives you a ballpark in seconds. For your real number, we quote your home and auto together, since bundling usually lowers both. What is a wind/hail percentage deductible?+ More Minnesota policies now carry a separate wind and hail deductible figured as a **percentage of your home's insured value**, often 1% to 2% or more, instead of a flat dollar amount. On a home insured for $400,000, a 2% deductible means $8,000 out of pocket before coverage responds to a hail or wind claim. Under a 2024 Minnesota law, an insurer moving you to a percentage deductible must give you 60 days' notice with a worked dollar example and offer at least one flat-dollar option. We'll show you where yours sits and what it would cost to change it. Does homeowners insurance cover ice dams, frozen pipes, or sewer backup?+ Ice dams and frozen pipes: usually, yes. Standard homeowners policies cover most freeze damage, like a burst pipe or water from an ice dam, plus damage from the weight of snow and ice, as long as you've taken reasonable care such as keeping the heat on. **Sewer and drain backup is a different story.** It isn't covered by a standard homeowners or renters policy, or by flood insurance. It's added as an endorsement, and if you have a finished basement it deserves a close look. We'll check whether your policy has it. Do I need flood insurance in Minnesota?+ If you live near a river, lake, or low ground, it's worth a serious look. **A standard homeowners policy doesn't cover flood**, and Minnesota law requires insurers to remind you of that with an annual flood notice. Flood is a separate policy, written through the National Flood Insurance Program (NFIP) or a private flood insurer. Spring snowmelt and heavy summer rain both cause flooding here, and a large share of flood claims come from outside high-risk zones. NFIP policies cover up to $250,000 for the building and $100,000 for contents, with a typical 30-day waiting period, so buy before the thaw, not during it. Is Minnesota a no-fault state?+ Yes. Every Minnesota auto policy includes no-fault coverage, called personal injury protection (PIP) or basic economic loss benefits, with a minimum of $40,000 per person: $20,000 for medical expenses and $20,000 for non-medical losses like lost income. Your own policy pays those benefits first, no matter who caused the crash. You can still sue the at-fault driver for pain and suffering once you pass the tort threshold: medical expenses over $4,000, or a permanent injury, permanent disfigurement, death, or disability of 60 days or more. Wisconsin works differently: it's an at-fault state. Is Minnesota's minimum auto coverage enough?+ Rarely. Minnesota requires 30/60/10 liability: $30,000 per injured person, $60,000 per accident, and just $10,000 for property damage, plus no-fault PIP and uninsured/underinsured motorist coverage of $25,000/$50,000. That $10,000 won't replace most vehicles on the road today. About 1 in 9 Minnesota drivers is uninsured, so higher UM/UIM limits matter too. Full-coverage auto in Minnesota now commonly runs over $2,000 a year, which is why we size coverage to what you actually have to protect, then look for bundle and multi-policy savings. Do you write policies in Wisconsin?+ Yes. Ryan Block is licensed in both Minnesota and Wisconsin, so we can help households in western Wisconsin communities like Hudson and River Falls, plus families with property in both states. The rules differ. Wisconsin is an at-fault state with 25/50/10 minimum liability and required uninsured motorist coverage of $25,000/$50,000; underinsured motorist coverage is optional. We'll walk you through what changes on the Wisconsin side. Can you shop carriers other than Farmers?+ We're a Farmers Insurance agency first, and Farmers home and auto is where we start. That national backing is a big part of what we offer. When Farmers isn't the right fit for a particular need, we can also shop additional carriers, so you're not starting over somewhere else. Either way, you keep the same local office and the same point of contact. Do you offer service in Spanish?+ Sí. Our team offers service in English and Spanish, from your first quote to policy changes and claims questions. Se habla español. Call (651) 252-6655 or stop by our Eagan office at 1121 Town Centre Drive, Suite 101. Still have questions? [Call (651) 252-6655](tel:+16512526655). We'll give you a straight answer. ## Ready when you are. One call covers it all. Home, auto, flood, umbrella, and life, all quoted around your life by a local Eagan team that picks up the phone. Se habla español. [Get My Free Quote](https://blockagencyinc.com/quote) [or call **(651) 252-6655**](tel:+16512526655) ## Based in Eagan. Serving the Twin Cities metro, Minnesota & Wisconsin. ### Block Agency 📍 Office 1121 Town Centre Drive, Suite 101 Eagan, MN 55123 [Get directions ↗](https://www.google.com/maps/search/?api=1&query=1121%20Town%20Centre%20Drive%2C%20Suite%20101%2C%20Eagan%2C%20MN%2055123) 📞 Phone [(651) 252-6655](tel:+16512526655) The fastest way to reach us 🗣️ Hablamos Español Servicio bilingüe Cotizaciones y atención en inglés o español ✉️ Email [info@blockagencyinc.com](mailto:info@blockagencyinc.com) Best for documents and non-urgent questions 🕐 Hours Mon – Fri: 9:00 AM – 5:00 PM Evenings by appointment --- **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).