Question 1

What types of insurance does Jepsen Insurance Group offer?

Accepted Answer

We provide personal, commercial, and specialty insurance products — including auto, home, renters, life, umbrella, business, workers compensation, and more. We’ll help you find the right policy for your needs and budget.

Question 2

How do I know if I’m getting the best rate on my insurance?

Accepted Answer

As an independent agency, we shop multiple top-rated carriers on your behalf to compare coverage and pricing. You’ll always get options — not just one quote — and we’ll explain the differences clearly so you can make the best choice.

Question 3

Can I bundle home and auto insurance to save money?

Accepted Answer

Yes. Bundling is one of the easiest ways to save. Most of our carriers offer discounts when you combine your home and auto policies, and we’ll make sure the coverages align correctly for better protection and value.

Question 4

Do you offer insurance for rental properties or vacation homes?

Accepted Answer

Absolutely. We offer landlord insurance and second-home policies that cover your property, liability, and loss of rental income. If you’re renting out a property, a homeowners policy alone isn’t enough.

Question 5

Is Jepsen Insurance Group a local agency?

Accepted Answer

Yes. We’re proud to serve clients locally from our Forest Lake, Minnesota office, and we also serve clients across the state and beyond. You’ll get personal, responsive service from people who understand your community and coverage needs.

Question 6

What’s the difference between term and whole life insurance?

Accepted Answer

Term life insurance provides coverage for a set number of years and is typically more affordable. Whole life offers lifelong coverage and builds cash value over time. We can walk you through both options based on your long-term goals.

Question 7

How much liability insurance do I need on my auto policy?

Accepted Answer

Minnesota requires a minimum amount, but it’s often not enough to fully protect you in a serious accident. We’ll help you understand what coverage limits make sense based on your vehicle, assets, and driving habits.

Question 8

What does umbrella insurance cover?

Accepted Answer

Umbrella insurance provides extra liability protection beyond your home, auto, or business policy limits. It’s designed to protect your savings and assets in case of a major claim or lawsuit. It’s surprisingly affordable for the amount of coverage it offers.

Question 9

Do you offer insurance for small businesses and contractors?

Accepted Answer

Yes. Whether you’re a sole proprietor, growing company, or independent contractor, we offer business insurance including general liability, workers comp, commercial auto, tools and equipment coverage, and more.

Question 10

How do I file a claim?

Accepted Answer

You can either contact your insurance carrier directly, or call us and we’ll walk you through the process. Our team is here to help advocate for you and make sure your claim gets handled efficiently.

Question 11

Why should I choose Jepsen Insurance Group over a direct insurer?

Accepted Answer

With us, you’re not stuck with one company. We give you access to a network of trusted carriers and act as your advisor — not a salesperson. You get personalized recommendations, better customer service, and the power to switch if a better deal comes along.