An Independent Insurance Agency for the Northwest Twin Cities
We're a veteran-owned independent agency based in downtown Monticello. We compare carriers for businesses and families in the communities around us, with local, face-to-face service that a call center or a one-company agent can't offer.
Home base at 261 East Broadway, Monticello
30+ years of combined team experience
Coverage compared across multiple carriers
Ham Lake meetings available by appointment
Local Insurance Service Across Wright County and Beyond
Our office sits on East Broadway in Monticello, between the I-94 corridor and the Mississippi River. From there, we serve business owners and families across Wright County, Sherburne County, and the northwest Twin Cities. Commercial insurance is our primary focus, and we also handle home, auto, and the boats, snowmobiles, and fish houses that come with living here.
Choose your community below to see how we work with businesses and families there.
Communities We Serve From Our Monticello Office
Monticello, MN
Monticello is home. Our downtown office serves the retailers, contractors, service businesses, and property owners who keep the city running, and the families who spend their weekends on the river and nearby lakes. Learn more about working with our Monticello insurance agency team.
Elk River, MN
Elk River is the Sherburne County seat along Highways 10 and 169, with an active mix of industrial, contracting, and service businesses. We help Elk River employers with workers' comp, liability, commercial auto, and property coverage.
Buffalo, MN
Buffalo is the Wright County seat, with a downtown business district and lakes in and around town. We work with Buffalo's main street businesses and professional offices, and with families insuring lake homes and boats.
St. Michael, MN
St. Michael has grown quickly along I-94, with new neighborhoods and the builders who construct them. We help contractors with liability, workers' comp, and bonds, cover homes under construction with builder's risk, and insure new homeowners once they move in.
Albertville, MN
Albertville's I-94 retail corridor makes it a hub for storefronts, restaurants, and service businesses. We help Albertville business owners with general liability, commercial property, business interruption, and event coverage.
Rogers, MN
Rogers sits at I-94 and Highway 101 in Hennepin County, with industrial, distribution, and commercial development. We help Rogers businesses coordinate workers' comp, commercial auto, and property coverage so the policies fit together.
Ham Lake and the Anoka County Area
Clients in Ham Lake and the surrounding Anoka County area can meet with us at our Ham Lake satellite office. Meetings there are by appointment only, so please contact us first to schedule a time.
Coverage Our Local Clients Rely On
- Commercial insurance, including workers' comp, general liability, commercial property, commercial auto, and surety bonds
- Specialty commercial coverage for contractors, home-based businesses, vacant property, short-term rentals, and events
- Home and auto insurance for families across the northwest metro
- Boat, snowmobile, and fish house coverage, with snowmobile and fish house policies available in Minnesota, Wisconsin, and South Dakota
- Classic vehicle and rental property insurance
Explore our
commercial insurance and
personal insurance pages for details on every coverage we offer.
Why Local Businesses and Families Choose Us
- We're a veteran-owned agency based in Monticello, not a distant call center.
- Our team brings more than 30 years of combined insurance experience.
- We're independent, so we compare multiple carriers instead of offering one company's products.
- We meet face-to-face in Monticello, and in Ham Lake by appointment.
- We start commercial relationships with a consultation, so recommendations fit how your business runs.
Visit Our Monticello Office
5 Star Insurance Protectors
261 East Broadway, Monticello, MN 55362
(763) 432-2645
insuremecole@5starinspro.com
Monday–Thursday 8:30am–4:30pm, Friday 9:00am–4:00pm
Meetings outside posted hours available by request
Ham Lake satellite office: Meetings by Appointment Only
Questions About Our Service Area
Which communities does 5 Star Insurance Protectors serve?
We're based in Monticello and serve Elk River, Buffalo, St. Michael, Albertville, Rogers, and the surrounding Wright County, Sherburne County, and northwest Twin Cities area. Clients near Ham Lake and Anoka County can meet us at our Ham Lake satellite office by appointment.
Is there an independent insurance agent near Elk River or Buffalo?
Yes. Our Monticello office is a short drive from both Elk River and Buffalo, and we can also meet by phone or video.
Can I meet with you in Ham Lake?
Yes, by appointment. Our Ham Lake satellite office is available for clients in the Ham Lake and Anoka County area. Contact us first to schedule a time.
Do I have to come into the office to work with you?
No. Many clients like meeting face-to-face, and we're happy to do that, but we also work by phone, video, and email.
Let's Meet, Wherever Works for You
Business owners can schedule a consultation to review commercial coverage, and families can request a quote for home, auto, and recreational insurance.
Prefer to talk now? Call us at
(763) 432-2645.
