Top-Rated Independent Insurance Agency in Minnesota

At Capstone Insurance Group, we understand the challenges many consumers face when searching for insurance coverage.

This is why we've built our team and processes specifically to alleviate the headaches and aggravation.

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1000+ satisfied clients

Your Trusted Minnesota Insurance Agency

Capstone Insurance Group stands as a beacon of commitment and excellence in providing top-tier insurance services to the Minnesota community and its surroundings.

As an independent agency, our ethos revolves around educating both individuals and businesses about the most advantageous insurance options tailored to their unique circumstances.

Our approach is deeply personalized, involving meticulous evaluations to accurately identify and mitigate potential risks. This process ensures that our clients are equipped with customized insurance solutions that precisely fit their needs.

Our team, comprised of seasoned insurance professionals, is dedicated to delivering a level of service that goes beyond mere transactions. We believe in forging enduring relationships with our clients, understanding their evolving insurance needs, and adapting our offerings accordingly.

At Capstone Insurance Group, we combine our extensive knowledge of various insurance products with a genuine passion for client satisfaction. This blend of expertise and dedication enables us to provide not just insurance policies, but a sense of security and trust, ensuring that our clients are well-protected and confidently informed at every step.

Why work with Capstone Insurance Group

Explore why working with Capstone Insurance Group is a choice that goes beyond typical insurance services. Our commitment is deeply rooted in the community, offering local expertise coupled with comprehensive reach to meet your diverse needs. We prioritize tailored solutions and strategic partnerships, ensuring you receive not only the best coverage but also the most competitive prices, underlining our dedication to your complete satisfaction.

Community Focused

More than just insurance providers, we are part of your community. Our dedication goes beyond policies to the people and places we serve.

Local Expertise, Comprehensive Reach

Rooted in Minnesota, our services extend to meet your diverse needs. We blend local knowledge with extensive coverage options.

Tailored to Your Needs

We reject one-size-fits-all policies, focusing instead on understanding your unique requirements to provide the perfect insurance fit.

Strategic Partnerships

Representing top-rated carriers, we ensure you receive the best coverage at the most competitive prices.

Customer Reviews

Real Insurance Clients with Honest Reviews

Capstone Insurance Group have been my go-to for years! Jillian is awesome! My renewal came due and Jillian made sure I was getting the best rates and insurance that fits my needs. She spent the time getting multiple quotes and reviewed them with me. Insurance is not my expertise, but it is theirs! Capstone is who I trust! Thank you for caring!

Kelly S.

Insurance Client

I switched to this agent because, not only had 2 of my other family members talked highly of this agent. They have been with him over 2+ years NOT ONE COMPLAINT from either of them. The price was undeniable the best quote I got after shopping around. I got the great customer service we all base our reviews on

So happy I switched to these guys. THANK YOU for being the group of people you are

Alvina L.

Insurance Client

I was hesitant to switch agents as I’ve been with the same insurance agent for 17 years, but after talking with Kelin I am so happy I finally took the leap. Kelin did an awesome job in finding me the best insurance coverage and saving me a great deal of money. He was so nice, extremely easy to work with, and was very attentive to my requests and needs. Thank you Kelin and I look forward to our continued working relationship!

Melissa H.

Insurance Client

Matt & team have been helpful throughout the years and are always looking out for my best interest. They are consistently ahead of me on looking at reviewing my options on a yearly basis, which is much appreciated.

Jonathan F.

Insurance Client

Matt and Hailey are my absolute favorite. They were able to bundle our insurance and save us a 100$ a month truly going above and beyond what I’ve seen other agencies do. If you want to be properly covered and are looking for the highest level of costumer service I would highly recommend Capstone Insurance Group.

Jami W.

Insurance Client

Rich has been a great guy to work with! Love the customer service, literally one text, email, and call away as we all say. He will go out of his way to solve any problems and answer any questions you have and make it so much easier for you. Totally recommend Rich for anyone that is new to the scene of getting insured and such.

Yeebthaij Y.

Insurance Client

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Meet the Capstone Team

At Capstone Insurance Group, we've built our team with individuals who have the highest standards for client communication and servicing. No matter who you interact with at Capstone Insurance Group, you'll have the best experience possible.

Matt Larsen

Agency Principal

Review of Matt

We love working with Matt! He is efficient, helpful and always helps us find the best deal out there for our specific circumstances. Takes a load of stress off of our plate when it comes to searching for the best insurance for our home and automobile needs.

Hailey Nelson

Customer Service/Account Manager

Review of Hailey

Hailey made the process of switching insurance fast and easy. Found me the best company with excellent coverage and a much better rate than I was paying.

Jillian Cherney

Customer Service/Account Manager

Review of Jillian

MEET THE TEAM

Business Insurance Policies

Business Owners (BOP) Insurance

Protect your business with a Business Owners Policy, offering a blend of property and liability coverage designed for small to medium-sized businesses.

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Business Interruption Insurance
Property Insurance
Liability Protection

Commercial Property Insurance

Secure your business assets with a Commercial Property Insurance, tailored to safeguard your physical assets from unexpected events.

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Building Coverage
Contents Coverage
External Risk Protection

General Liability Insurance

Our General Liability Insurance provides essential protection against a range of common business liabilities.

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Bodily Injury and Property Damage
Personal and Advertising Injury
Legal Defense and Judgments

Commercial Auto Insurance

Important for businesses in Minnesota using vehicles for operational purposes, covering liability, physical damage, and uninsured motorists.

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Liability Coverage
Physical Damage Coverage
Uninsured Motorist Coverage

Commercial Umbrella Insurance

Provides additional liability coverage for businesses, extending beyond the limits of underlying policies.

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Extended Liability Coverage
Broadened Protection
Catastrophic Event Protection

Professional Liability Insurance

Crucial for professionals, offering protection against claims of negligence or inadequate services.

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Negligence Coverage
Defense Costs
Errors and Omissions

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Frequently Asked Questions About

Capstone Insurance Group

What's the difference between an independent insurance agent and a captive agent?

Independent insurance agents, like those at Capstone Insurance, offer a broad range of insurance products from various companies. This flexibility allows them to compare different policies and find the best match for your specific needs. In contrast, captive agents are tied to one insurance company and can only offer products from that single source. Working with an independent agent gives you access to a wider variety of options, ensuring a more personalized and potentially cost-effective insurance solution.
Why should I choose an independent insurance agent in Minnesota?

Choosing an independent insurance agent in Minnesota means getting personalized, unbiased advice on a wide range of insurance options. Independent agents aren’t bound to any one insurer, allowing them to compare policies from multiple sources. This means they can tailor coverage to fit your unique needs, often at competitive prices. Additionally, they understand local insurance requirements and risks specific to Minnesota, ensuring your coverage is both comprehensive and relevant.
How can I identify a trustworthy independent insurance agent in the area?

To find a trustworthy independent insurance agent in Minnesota, look for agents with strong local community ties and positive client testimonials. Check their credentials and ensure they are licensed in Minnesota. A good agent will have a deep understanding of the local insurance market and will be willing to spend time discussing your needs and answering your questions. Also, consider seeking recommendations from friends or family who have had positive experiences with local agents.
What are the typical insurance types offered by independent agents in this region?

Independent agents in Minnesota typically offer a wide range of insurance types to cater to diverse needs. This includes homeowners, auto, life, and umbrella insurance, as well as specialized policies like motorcycle and condo insurance. They can also provide tailored solutions for unique situations, ensuring that whether you're looking to protect your family, home, vehicle, or personal assets, there's a policy that fits your requirements.
What's the cost to collaborate with an independent insurance agent here?

Working with an independent insurance agent in Minnesota doesn’t usually involve any direct costs or fees for their services. Instead, they earn commissions from the insurance companies whose policies they sell. This means you can benefit from their expertise, market knowledge, and personalized service without an additional expense. Their goal is to find you the best coverage at the most competitive price, aligning with your budget and insurance needs.
Why should I partner with a local independent insurance agent?

Partnering with a local independent insurance agent offers numerous benefits. They have a deep understanding of the specific insurance needs and challenges in Minnesota, providing tailored advice and solutions. Local agents are easily accessible for in-person consultations and can offer personalized service that's hard to find with larger, non-local agencies. They're also invested in the community, often providing a more personal touch and a commitment to finding the best insurance solutions for their neighbors.

Personal Insurance Policies

Homeowners Insurance

Protect your Minnesota home from the unpredictable. Homeowners Insurance offers coverage for weather damages, personal belongings, and temporary living expenses if needed.

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