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Where you're more than just a policy!

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When you become our client, you become part of our family.

Personal Insurance

Private Client

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About Baker Insurance Brokers

We are an independent insurance agency specializing in private client insurancecondo building insurancerestaurant insurancetechnology firm insurancecyber liability insurance and school insurance throughout Minnesota and Wisconsin including AndoverCoon RapidsBlaineAnokaRamsey and the Minneapolis-St. Paul metro area.

Being independent means our priority is you—not the insurance company. We represent the premier insurance companies in the industry. Our goal is to deliver the right blend of price, coverage and service to all of our clients.

We believe our clients’ financial security and quality of life deserve the utmost dedication, expert advice and personal attention from a trusted partner. As that partner, we’ll help you make educated decisions—protecting you from the unexpected and planning for the predictable.

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Over 100 5-Star reviews on Google!

My dad is the one who recommended me to Baker Insurance as he has used them for years, working with Jeff. They initially helped me with renter's insurance, then adding car insurance. I bought my first home this summer and Jeff was wonderful to work with in helping me find a good policy for homeowner's and bundling with my auto policies. Charmaine is pleasant to work with and is on top of everything. She noticed a discount that was missing from a policy and went ahead and applied it for me! I thought that was amazing! Those that I have worked with have been very attentive, helpful, resourceful and timely in my matters and getting back to me at such a fast pace!

Kristen Benjaminson

This is a great insurance company. No high pressure selling, but very helpful in getting the best rates. Charmaine is extremely helpful in getting quotes quickly. When I bought a new car she had already contacted the dealer and had insurance in place before I walked in to sign papers. Also great rates on my homeowners insurance. I would not think of getting insurance anywhere else.

John Wood

Baker Insurance Brokers is such an easy agency to work with - Charmaine is an absolute professional and the customer experience is top notch. Switching home and auto through them was a breeze and they answer questions very quickly. I have no doubt I'm getting the best rates.

Gianmarco Calabrese

I have had my auto and home policies with Jeff Baker Insurance over the past few years and not only have they saved me a lot of money, they have 5 star customer service. Charmaine is terrific to work with! Very prompt and efficient. Highly recommend them!!

Rory Shaffer

The 10 Promises We Keep to Our Clients

1

You are not a number to us. We will make you feel important and appreciated. When you purchase insurance from us, you become part of our family and you’ll be treated that way.
2

We want to make doing business with us easy. You can get in-person service during the week. If you need an alternative time, just ask. We will work to accommodate meeting with you in the evening or on a weekend.
3

We’ll set your expectations on every call. Our team will always let you know the next steps and a time frame. If we can’t meet that time frame, we will alert you and reset your expectations.
There’s more to insurance than the price of the policy.

Explore our interactive graphics and learn about your unique risks and the related insurance solutions.

Personal InsuranceBusiness Insurance
High Net Worth

Water Damage

Risk Factor

Whether entering from outside your home from a flood or from within your home’s plumbing system, water damage is the most common cause of loss to a home. Many policies exclude losses caused by backup of sewers and drains, and all un-endorsed homeowner policies exclude damage caused by a flood.

Solution

Careful review is essential to protect your home and belongings from all sources of water damage. We recommend coverage solutions from insurance companies that include backup of sewers and drains. Also, identify cost efficient solutions to address the risk of flood damage in the first place.

Valuable Possessions Coverage

Risk Factor

Typically, there is a sublimit on homeowner insurance policies for valuable possessions, such as jewelry, furs, fine arts and other collectibles.

Solution

Schedule your valuable possessions to ensure you’ll have the money to replace them.

Collector Cars

Risk Factor

Collector or classic vehicles often have significant value and require special documentation and unique insurance coverage to ensure they are adequately protected.

Solution

Insure your collector cars with a specialized insurance company that focuses on and understands the unique nature of collector or classic cars and other vehicles.

Cyber Risk Coverage

Risk Factor

With more smart technology in homes and technology at your fingertips, malware, hackers and other cyber threats can jeopardize your security, finances and reputation.

Solution

Identity theft, personal injury and cyber risk coverage may be available as an important add-on coverage to your homeowners policy.

Workers Compensation / Employee Practices Liability Insurance (EPLI)

Risk Factor

Employing domestic staff in your home can have risks associated with them. They can become injured on the job, leaving you to pay out-of-pocket for their medical expenses. Additionally, staff can sue for wrongful termination, privacy issues, discrimination and harassment claims.

Solution

Depending on the state, workers’ compensation coverage can be added by endorsement to your homeowners policy or as a stand-alone policy. It provides coverage for medical expenses when your staff are hurt while on the job. Additionally, employment practices liability insurance can protect you from high legal costs associated with lawsuits and additional claims from current and past employees.

Additional Living Expense

Risk Factor

When there is substantial damage to your home due to unexpected events such as lightning, fire or a storm, you may not be able to live in your home until it can be repaired or rebuilt. As a result, you could incur additional living expenses for lodging, food and other daily needs.

Solution

Look for coverage that provides higher limits to ensure that your schedule and your standard of living is not compromised. Additional living expense coverage compensates you for the costs incurred for housing and other living expenses if a covered event makes your home temporarily uninhabitable while it’s being repaired or rebuilt.

Excess Liability Coverage

Risk Factor

You invite guests over for a barbecue pool party and one of them dives into the shallow end of the pool and is permanently injured. They hire a lawyer to represent them and after a long legal battle, you and your family are left financially responsible for their injuries.

Solution

An excess liability (or umbrella policy) increases your personal liability limits by adding protection over and above your current auto, boat or homeowners policies. Excess liability insurance is available as separate coverage and offers additional peace-of-mind knowing that you have the protection you need.

Fire

Risk Factor

Most fires are devastating. Besides the emotional impact, the physical damage to your home can be significant. If you lost your home to fire, do you have adequate insurance to replace your home and its contents? Remember, inflation rates on building materials and construction costs rarely track with real estate values. As a result, rebuilding a home can often cost significantly more than expected.

Solution

Make sure your homeowners policy contains replacement cost coverage with no cap. This protects you if the cost to reconstruct your home is higher than your current limit of coverage. And, be sure that your insurance includes rebuilding your home to code. Very often, local ordinances and building codes change over time, which may require additional costs.

Personal Liability

Risk Factor

In the unfortunate event that someone slips and falls while on your property, you and your family may be held liable for any injuries that result.

Solution

Your homeowners policy includes personal liability coverage to respond to incidents where injuries or damages occur to a third party where you may be deemed negligent. However, you should consider purchasing an excess liability policy to provide additional coverage limits to protect your assets in case a lawsuit is brought against you.

Flood Coverage

Risk Factor

You do not have to live near a body of water to suffer loss due to flooding. With the changing weather patterns and more damaging storms occurring around the globe, flood losses are becoming more common in places that are not normally prone to flood damage. Your homeowners policy does not cover damage from flood. Could your home be at risk?

Solution

Purchase a flood insurance policy to protect your home and covered contents from certain types of flood losses as designated by the National Flood Insurance Program (NFIP). In the U.S., a flood policy is purchased as a separate policy through the federal program (NFIP) or through a servicing carrier known as a write-your-own carrier. Additionally, you may be able to purchase excess limits on your homeowners policy to better protect your home.

Secondary Home / Rentals

Risk Factor

Owning a secondary home or rental property has the potential of increasing your liability exposures.

Solution

Be certain that you extend the liability coverage under your homeowners policy to include your secondary home. You should also consider including the secondary home under an excess liability policy to provide for additional liability limits.

Travel Insurance

Risk Factor

Affluent individuals travel internationally four times more than the average person, and many people assume there is automatic coverage that extends from their U.S. policies. This isn’t true. Auto liability is just one example, but other exposures often not considered are kidnap/ransom (a growing criminal business) and the complexities of navigating a foreign medical system in the event of a serious illness or injury while traveling abroad. Medical care in many countries is often sub-standard, and a “care facility” (hospital) could be far way.

Solution

Not many insurance companies provide the unique coverage needed for individuals who frequently spend time outside the United States, whether for personal or business reasons. It is important to work with those companies who not only extend auto liability outside the U.S., but also provide kidnap and ransom and medical evacuation coverage. It is also important that these carriers have office locations outside the U.S. in the unfortunate event that claims services might be needed.

Equipment Breakdown

Risk Factor

While your homeowners policy covers a wide array of perils, such as damage caused by a fire or a falling tree, it doesn’t cover some common types of problems that can occur to the equipment in or around your home. For example, a sudden surge from the local power plant might damage appliances, HVAC systems or your home power generator.

Solution

Add mechanical breakdown coverage to your homeowners policy. If you have multiple homes, it can be purchased for each one individually. Keep in mind that while it does protect against major events, it does not cover normal wear and tear.

Special Event Coverage

Risk Factor

Planning a wedding, bar mitzvah, bat mitzvah, family reunion or other private event is stressful enough. The last thing you should worry about is severe weather (such as a hurricane) that could cause you to postpone the event. Or, what happens is a vendor goes out of business or declares bankruptcy before your event and you lose your deposit?

Solution

No matter how carefully you plan, things outside of your control can go wrong. Purchase insurance coverage for your event. It’s typically not very expensive and helps keep you focused on all of the things that go into making your event truly memorable.

Mold Coverage

Risk Factor

Insurance companies often limit coverage to remediate mold that arises from a covered loss.

Solution

With many homeowners unaware of this risk or the limits of their own coverage, be sure to discuss the coverage options and loss prevention solutions to help reduce this risk.

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