Zachman Insurance Agency
12725 43rd Street NE # 101
St. Michael, MN 55376

Fax: 763-497-2870


Home Insurance in St. Michael, MN and Surrounding Areas

Protecting Homeowners in St. Michael and Albertville, MN

Homeowners Insurance

Home ownership can be risky.  Fires, theft, injuries, and water damage can all cause havoc on a home and its inhabitants, and as a result some form of protection is needed.  Insurance provides that protection and at Zachman Insurance Agency we have an all-encompassing home insurance program that keeps any homeowner secure for the right price.  We tailor the packages that we develop through this program to the needs of individual homeowners and ultimately these homeowners get the best value.  

Coverage tailored to you

Home insurance coverage ranges from general to very specific.  Structure coverage and property coverage are general and are very common.  Special-item coverage and personal umbrella coverage are more specific and are far less common.  Every homeowner needs an appropriate blend of coverages to have an effective policy, and at Zachman Insurance we make sure that each client has this blend.  As a result, our clients do not have gaps in protection and never have to worry about unexpectedly high out-of-pocket costs. 

As an independent agency we work with different insurance carriers, and doing so provides us with a diverse and expansive group of coverage options.  These options include:

  • Property Insurance
  • Homeowners Liability
  • Renters Insurance
  • Condo Insurance
  • Mobile Home Insurance
  • Scheduled Property Insurance
  • Landlords Insurance
  • In-Home Business Insurance

Selecting homeowners coverages can be difficult no matter who is making the selections.  Rates, limits, deductibles, and goals are all considerations that home insurance policyholders must have when choosing their coverages, and at Zachman Insurance we consider them all.  The result is that our clients get optimal policies, so let us help you find the coverages you need and give you the best deal.  This involves helping you take advantage of benefits and discounts that are exclusive to your insurance plan, including discounts for combining home insurance with auto insurance.  If you’d like to learn more about how to make this combination, see our home & auto page

Why Home Insurance?

We’ve insured homeowners for decades and are local, so we know how to create optimal solutions.  We understand markets and demands in East-central Minnesota and stay current on trends that affect coverages.  As a result, we deliver the best solutions and we diver these solutions expeditiously. 

We also provide services that keep clients informed and help clients make the most of their insurance investments.  These services include risk and claims management, which involves reducing exposures and advocating for clients.  Together, these efforts minimize client costs and help clients achieve suitable resolutions if and when claims are filed. 

To learn more, please contact us or give us a call.  You can also request a quote to find out some of the details of a policy. 

Zachman Insurance Agency is proud to provide home insurance in St. Michael, Albertville, Otsego, Monticello, Rogers, and Maple Grove, MN.  We also serve other areas in the state.