Straight answers from the agent who picks up the phone.
Save More With Todd VanMoer is an independent property and casualty agency serving Minnesota households and small businesses. Todd shops multiple carriers to fit home, auto, and commercial coverage...
Your Neighbors in Insurance
Independent coverage for Minnesota households and small businesses.
Minnesota Only
Todd works exclusively in Minnesota, so he knows the risks that matter here: hail on a new roof, straight-line winds, ice dams, and the long freeze in between.
Independent Agency
As an independent agent, Todd shops multiple carriers and fits the policy to you, not the other way around. No captive carrier limitations.
One Direct Line
When you call, you talk to Todd. Not a phone tree, not a service center, not a ticket number. One person who knows your policies and your name.
Minnesota Storm Season Checklist
Six steps every Minnesota homeowner should take, from spring hail to the January freeze.
Review Your Policy Before Hail Season
Minnesota hail and wind season ramps up in late spring. Read your declarations page now and confirm your dwelling and roof coverage still match reality.
Document Your Property
Walk every room with your phone. Photos and video of your roof, siding, garage, and major belongings make any future claim faster and cleaner.
Know Your Wind and Hail Deductibles
Many Minnesota policies carry a separate wind and hail deductible, often a percentage of your dwelling coverage. Know the number before a storm, not after.
Prep for Ice Dams and Deep Cold
Clear gutters, check attic insulation, and know where your water shutoff is. Ice dams and frozen pipes cause some of the most common winter claims.
Check Your Cabin or Seasonal Property
Lake places and seasonal properties sit empty for months. Confirm they are properly listed on your coverage and winterized before you lock up.
Book an Annual Review with Todd
Once a year, walk through your coverage with Todd. New vehicle, new toy, finished basement, side business: small changes can leave real gaps.
Insurance Solutions
Coverage built for the realities of Minnesota living, from the house to the lake.
Homeowners Insurance
Coverage matched to Minnesota houses: hail, wind, ice dams, and frozen pipes, with the deductibles explained in plain English.
Learn more →Personal Auto Insurance
Auto coverage for Minnesota driving: winter roads, deer on the county highways, and commutes on 494 and 169.
Learn more →Commercial Auto Insurance
Trucks, vans, and work vehicles covered properly, whether you run one pickup or a small fleet across the metro.
Learn more →Business Owners Policy (BOP)
Property and liability coverage bundled for small Minnesota businesses, from shops and offices to trades.
Learn more →Workers Compensation
Required coverage for Minnesota employers, set up correctly the first time and adjusted as your crew changes.
Learn more →Commercial Property Insurance
Buildings, equipment, and inventory protected against hail, wind, fire, and winter damage.
Learn more →What Clients Say
Sample reviews shown; real client reviews pending Todd's approval.
“After the June hailstorm went through Wright County, Todd walked us through the wind and hail deductible on our policy before we filed anything. No runaround, just clear answers about what to expect.”
“I run two work trucks and could never get a straight answer from our old agency's 800 number. Todd picked up on the second ring, rewrote our commercial auto, and had certificates to our GC the same week.”
“Hit a deer on Highway 55 coming home from work. One call to Todd and I knew exactly how the claim would go and what it meant for my rates. That is worth a lot.”
Areas We Serve
Coverage across 6 northwest Twin Cities metro communities.