The right coverage, clearly marked.
Save More With Todd VanMoer is an independent property and casualty agency serving the northwest Twin Cities metro. Todd shops multiple carriers for home, auto, business, and recreation coverage,...
- Independent agency, multiple carriers
- MN Licensed, Minnesota only
- Talk directly with Todd: one direct line, no phone tree
Tell Todd what you need covered
Your note goes straight to Todd, and Todd answers directly.
Prefer to talk? Call (612) 500-5215.
Why Save More With Todd VanMoer
An independent Minnesota agency where you talk with the owner, not a call center.
Independent, Multiple Carriers
Todd is not tied to one company. He shops multiple carriers and compares real options side by side, so the recommendation fits your situation instead of a sales quota.
Talk Directly with Todd
One direct line, no phone tree. When you call, you reach the person who wrote your policy and knows your situation, whether you have a question or a claim.
Minnesota Only
Hail, wind, ice dams, deer on the county roads, boats on the lake: Todd writes coverage for the risks Minnesota households and small businesses actually face.
Find Your Coverage
Three clear routes: your household, your business, and everything you do for fun.
Home & Auto
Personal coverage for your house, your vehicles, and everything riding on them
- Homeowners coverage built for hail, wind, and winter
- Personal auto with deer collision protection
- Umbrella liability options above both policies
- One agent for the whole household
Business
Small-commercial lines for Minnesota owners, contractors, and trades
- Business owners policy (BOP)
- Commercial auto for work trucks and vans
- Workers compensation
- Commercial property coverage
Recreation
Coverage for the lake, the trail, the campground, and the family dog
- Boat and watercraft
- RV and motorhome
- ATV and powersports
- Travel trailer and camper
- Pet insurance
Coverage Types
Personal, small-commercial, and recreation lines for the northwest Twin Cities metro.
Homeowners Insurance
Homeowners coverage built for Minnesota weather: hail, straight-line wind, winter storms, ice dams, and frozen pipes.
Learn more →Personal Auto Insurance
Auto coverage for real Minnesota driving: deer on the county roads, ice on the freeway, and hail in the driveway.
Learn more →Commercial Auto Insurance
Coverage for the trucks, vans, and pickups that do the work: contractors, trades, and service businesses across the metro.
Learn more →Business Owners Policy (BOP)
Property, liability, and business income bundled into one policy sized for Minnesota small businesses.
Learn more →Workers Compensation
Workers comp coverage that keeps your Minnesota business compliant and your people taken care of after an injury.
Learn more →Commercial Property Insurance
Coverage for buildings, equipment, and inventory against the hail, wind, snow load, and fire risks Minnesota property faces.
Learn more →What Clients Say
Sample reviews shown; real client reviews pending Todd's approval.
“A hailstorm went through our neighborhood and I had no idea how our wind and hail deductible worked. Todd walked me through the policy line by line before we filed anything. First agent who ever explained it in plain English.”
“We hit a deer on County Road 37 in November. One call to Todd, he told us exactly what was covered and what to do next. No phone tree, no case number runaround, just Todd.”
“I run a small drywall crew and my old policy had my guys classified wrong. Todd caught it at our first review, fixed the class codes, and got the audit squared away. He actually understands how a trades business runs.”
Areas We Serve
Serving 6 communities across the northwest Twin Cities metro.