Top-Rated Personal Insurance Agency in Minnesota

Your Trusted Minnesota Personal Insurance Agency

Personal Insurance

We offer valuable personal insurance advice and secure comprehensive solutions for Minnesota residents.

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Personal Insurance
Personal Insurance

Trusted & Reputable Personal Insurance Solutions in Minnesota

At Capstone Insurance Agency, we see personal insurance as more than a transaction; it's about building trust and understanding with our clients. We're proud to be a dedicated partner for Minnesota families, offering a range of personal insurance solutions tailored to your unique lifestyle.


Our commitment extends beyond providing policies. We focus on keeping Minnesota families safe, informed, and well-protected. This involves understanding your lifestyle, needs, and aspirations to offer the right coverage, whether it's for your home, vehicle, or life insurance.


Recognizing the uniqueness of each Minnesota family, we emphasize personalization in our services. We avoid one-size-fits-all solutions, preferring to create policies that align with your specific circumstances. Our coverage is as diverse as Minnesota itself, from the vibrant cities to the tranquil North Shore.


Our team, deeply connected to the Minnesota community, comprises experienced professionals who are both insurance experts and local advocates. We're committed to offering coverage that not only meets your current needs but also adapts to your future changes.


Choose Capstone Insurance Agency for a personalized, knowledgeable insurance experience in Minnesota. Let's work together to make your insurance journey as fulfilling as the life you're looking to protect.

Personal Insurance

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Personal Insurance Testimonials

Personal Insurance Clients with Real Reviews

Matt & team have been helpful throughout the years and are always looking out for my best interest. They are consistently ahead of me on looking at reviewing my options on a yearly basis, which is much appreciated.

Personal Insurance

John F.

Personal Insurance Client

Kelin did an awesome job in securing me the best insurance for the cheapest amount. He was easy to work with, and was very attentive to my needs.

Personal Insurance

Joe M.

Personal Insurance Client

Very professional always goes out of their way to help me out with any questions or concerns that i have ever had not only for myself but also my family i have always felt like they got my back


Personal Insurance

Bridget P.

Personal Insurance Client

Simplifying Personal Insurance, Minnesota-Style

Getting to Know You and Yours

  • Let's chat about what makes your Minnesota lifestyle unique. We dive into your world to understand your specific protection needs.
  • From the vibrant Twin Cities to the serene Boundary Waters, we address your Minnesota-centric concerns and tailor coverage that fits your life like a glove.

Tailored Insurance, Just for You

  • We craft insurance solutions that echo your personal story. Think of us as your personal insurance stylists, ensuring every detail suits your Minnesota way of life.
  • We're in tune with the local vibe, from icy winters to lake-filled summers, ensuring your coverage is as dynamic as our great state.

Seamless Coverage, Ongoing Support

  • Kickstarting your coverage is a breeze with us. We handle the heavy lifting, so you're quickly on your way to peace of mind.
  • Questions at midnight or updates at dawn? We're here 24/7, always ready to support, inform, and guide you. Because in Minnesota, we're all about neighborly care.

Personal Insurance Policies in Minnesota

Homeowners Insurance

Protect your Minnesota home from the unpredictable. Homeowners Insurance offers coverage for weather damages, personal belongings, and temporary living expenses if needed.

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  • Weather and Accident Protection
  • Personal property coverage
  • Assistance with temporary relocation

Umbrella Insurance

In a state known for its surprises, Umbrella Insurance provides an extra layer of security for those unexpected moments.

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  • Additional coverage for major incidents
  • Extended peace of mind
  • Fill in gaps from other policies

Condo Insurance

Tailored for condo living in Minnesota, Condo Insurance covers the interior of your unit and your personal items, along with liability risks.

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  • Interior and personal item protection
  • Liability coverage for unforeseen incidents

Motorcycle Insurance

Enjoy Minnesota's roads safely with Motorcycle Insurance, covering your bike, personal safety, and liability towards others.

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  • Coverage for bike damage & accidents
  • Personal and third-party liability protection

Auto Insurance

Navigate Minnesota's diverse landscapes confidently with Auto Insurance, covering collisions, liabilities, and uninsured motorists.

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  • Comprehensive and collision coverage
  • Liability and uninsured motorist protection

Life Insurance

Secure your family's future in Minnesota with Life Insurance options that provide financial stability and peace of mind.

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  • Flexible plans for different life stages
  • Financial security for your loved ones

FAQs about a reliable Personal Insurance Agency

All About Personal Insurance: Your Queries Answered

  • What are the benefits of working with an independent personal insurance agency like Capstone?

    Choosing Capstone means you're opting for a team that puts you and your family first. Our independence allows us to explore a wide array of insurance options, ensuring we find policies that perfectly align with your unique needs in Minnesota. We're not tied to one provider, which means we can offer you comprehensive coverage that's both effective and cost-efficient.

  • How much does it cost to work with Capstone Insurance Agency?

    Partnering with Capstone is about investing in your peace of mind. While there may be some fees or premiums, our ability to compare various policies often leads to more protective, yet cost-effective options. Our aim is to provide you with the best value, balancing top-notch coverage with affordability.

  • How can I find a reputable independent personal insurance agency in Minnesota?

    Look for an agency with strong local ties, positive client feedback, and a transparent approach. Capstone is deeply integrated into the Minnesota community, a fact reflected in our extensive client base and consistent positive reviews. Our dedication to Minnesota families and clear communication make us a preferred choice for personal insurance.

  • What questions should I ask a potential independent personal insurance agent?

    When meeting with a potential agent, ask about their experience, the range of insurers they work with, how they handle claims, and what makes them stand out in Minnesota's insurance landscape. At Capstone, we welcome such inquiries as it allows us to demonstrate our commitment to transparency, our extensive network, and our tailored approach to insurance in Minnesota.

  • What makes Capstone Insurance Agency unique in the Minnesota insurance market?

    At Capstone, what sets us apart is our deep understanding of Minnesota's unique lifestyle and insurance needs. Our team isn't just well-versed in insurance; we're part of the local fabric, which means we know the ins and outs of living in this beautiful state. We blend this local insight with a wide selection of insurance options, ensuring you get a policy that's not just a safety net but a perfect fit for your Minnesota life. It's this blend of local expertise and personalized service that makes Capstone a standout choice in the region.