Coverage checked line by line, built for Minnesota life.
Save More With Todd VanMoer is an independent insurance agency serving Minnesota households and small businesses. Todd shops multiple carriers to fit coverage to how you actually live and work, from the house and the...
Why Work with Todd
An independent agency run the way a good workshop is run: honestly, carefully, one job at a time
One Direct Line
You call, Todd answers. No phone tree, no ticket number, no call center reading a script. One person who knows your whole file.
Independent by Design
Todd works for you, not for one carrier. He shops multiple carriers and fits the coverage to how you actually live and work.
Checklist, Not Sales Pitch
Every review works a checklist: what you have, what it covers, where the gaps are. You get plain answers and you make the calls.
Before and After a Coverage Review with Todd
What typically changes when one person reads the whole file
Three policies, three carriers, zero coordination
- Home, auto, and the business each parked at a different carrier, with nobody reading them side by side
- Coverage gaps that went unnoticed because no single person ever saw the whole picture
- Renewal letters that show up as a surprise, with changes nobody explained
- Deductibles that are whatever the default was the day you signed
One point of contact who knows the whole file
- One direct line to Todd for every policy, every claim question, every change
- Gaps closed on purpose and overlaps trimmed on purpose, documented in plain language
- A renewal review before anything auto-renews, so nothing lands as a surprise
- Deductibles you chose deliberately, matched to what you can actually absorb
The Annual Rhythm
Coverage is not a one-time purchase. Todd works a yearly checklist so your policies keep up with your life.
Hail and storm check
Before Minnesota storm season peaks, Todd reviews roof, siding, and wind coverage so you know where you stand before the first hail claim, not after.
Winterization review
Boats come off the water, campers get stored, cabins get closed up. Fall is when storage coverage, frozen pipe risk, and seasonal lay-ups get sorted.
Line-by-line renewal review
Before any policy auto-renews, Todd walks the file: what changed, what the carrier changed, and whether the coverage still fits how you live and work.
Coverage Types
Personal and small-commercial insurance for the northwest Twin Cities metro
Homeowners Insurance
Coverage for your house that reflects what it would actually cost to rebuild it in Minnesota, reviewed with you line by line.
Learn more →Personal Auto Insurance
Auto coverage built for Minnesota driving: deer on Highway 55, icy commutes, and liability limits that actually protect what you own.
Learn more →Commercial Auto Insurance
Coverage for work trucks, vans, and trailers. If the vehicle earns money, it needs a policy written for that job.
Learn more →Business Owners Policy (BOP)
Property and liability basics bundled into one policy for small Minnesota businesses. Practical protection without the enterprise price tag.
Learn more →Workers Compensation
Required coverage for Minnesota employers, set up correctly the first time and adjusted as your payroll and crew change.
Learn more →Commercial Property Insurance
Coverage for the building, the equipment, and the inventory that your business cannot operate without.
Learn more →Sound Familiar?
Common Minnesota situations Todd handles every week
New home in Otsego
You just closed on a new build and the lender needs proof of coverage that actually matches the house, not a generic quote from a call center.
See Homeowners Insurance →Contractor adding a work truck
The pickup that used to be personal now hauls tools and a trailer to job sites. That is a commercial auto conversation, and it is an easy one.
See Commercial Auto Insurance →First boat on the lake
You finally bought the boat. Before it touches the water, it needs its own coverage: hull, motor, trailer, and liability for everyone aboard.
See Boat & Watercraft Insurance →Turning a hobby into an LLC
The side work became a real business. A business owners policy bundles the property and liability basics so the paperwork matches the reality.
See Business Owners Policy (BOP) →Teenage driver on the policy
A new driver in the house changes your auto picture. Todd walks through the options so you know exactly what you are choosing and why.
See Personal Auto Insurance →Cabin up north
Seasonal places have their own risks: frozen pipes in January, storms while nobody is there. The cabin deserves its own careful review.
See Homeowners Insurance →What Clients Say
Sample reviews shown; real client reviews pending Todd's approval.
“Todd went through our home and auto policies line by line and found two gaps our old agent never mentioned. He explained everything in plain English and let us decide. No pressure, just facts.”
“When I added a second work truck, Todd had the commercial auto sorted and the certificate to my general contractor the same week. One call, done. That is why I moved everything over to him.”
“We bought our first pontoon this spring and had no idea what boat coverage should look like. Todd walked us through hull, trailer, and liability, and made sure it lined up with our umbrella policy.”
Areas We Serve
Independent insurance help across 6 communities in the northwest Twin Cities metro