Home and Auto Insurance in Monticello, MN, and Everything Else You Own
We're a veteran-owned independent agency that compares carriers for your home, vehicles, and Minnesota toys. That way each policy fits how you live, and you don't have to juggle companies or wonder about gaps.
Veteran-owned independent agency
Coverage compared across multiple carriers
Snowmobile and fish house coverage in MN, WI, and SD
Face-to-face service at our Monticello office
Personal Insurance From a Local Agent Who Compares Carriers for You
Most households don't have one insurance policy. They have a house, two or three vehicles, maybe a boat or a pontoon, a snowmobile in the garage, and a fish house waiting for the ice. Too often, those policies are spread across different companies with renewal dates nobody tracks.
As an independent insurance agent in Monticello, we aren't tied to one company. We compare home and auto insurance across multiple carriers, show you where bundling makes sense, and keep everything you insure under one review with one local team. When something changes, like a new driver, a new boat, or a move, you make one call.
Coverage for Your Home, Vehicles, and Minnesota Toys
Choose a coverage to learn how it works, or request a quote and we'll review everything you'd like to insure at once.
Homeowners Insurance
Dwelling, belongings, and liability coverage, with water backup and the endorsements that matter in Minnesota winters.
Auto Insurance
Minnesota no-fault coverage for every driver in your household, including teen drivers and electric vehicles.
Motorcycle & Off-Road
Motorcycles, ATVs, UTVs, side-by-sides, and dirt bikes, with options that fit a Minnesota riding season.
Boat & Watercraft
Pontoons, fishing boats, ski boats, and personal watercraft, plus your trailer and gear.
Snowmobile Insurance
Liability and physical damage coverage for the trails you ride in Minnesota, Wisconsin, and South Dakota.
Fish House & Ice Castle
Coverage for your fish house, wheelhouse, or Ice Castle on the lake, on the road, and in storage, available in Minnesota, Wisconsin, and South Dakota.
Classic Vehicles
Agreed value coverage for classic cars, classic motorcycles, and classic boats.
Rental Property
Landlord coverage for single-family rentals, duplexes, and small multi-unit properties, including loss of rent. Renting to Airbnb or VRBO guests instead? We also offer short-term rental insurance built for hosting.
Pet and Wedding Insurance, Available on Request
A few personal coverages don't need a page of their own, but we're happy to help with them.
Classic Vehicles
Agreed value coverage for classic cars, classic motorcycles, and classic boats.
Pet Insurance
Help with veterinary costs from unexpected injuries and illnesses. We'll walk you through the plan options available and how deductibles and reimbursement levels work.
Wedding Insurance
Coverage for deposits, vendor no-shows, and liability on your wedding day, including the liability certificates many venues require. Hosting a fundraiser or corporate event instead? Our special event insurance covers that.
Event Insurance
Liability coverage for fundraisers, festivals, corporate gatherings, trade shows, and community events, whether it’s a one-day event or one you host every year. We review your venue’s requirements, including certificates, additional-insured requests, and liquor liability.
How Requesting a Personal Insurance Quote Works
1
Tell Us What You'd Like Covered
Use our quote form to list your home, vehicles, and anything else you'd like us to review. A few basics are enough to get started.
2
We Compare Carriers
As an independent agency, we take your information to multiple carriers and compare coverage, deductibles, and price.
3
We Walk You Through Your Options
A member of our team follows up to explain your options, point out gaps, and answer questions before you decide.
4
We Stay With You After You Buy
When you add a driver, buy a boat, or need help with a claim, you call the same local team.
Why Families Choose 5 Star Insurance Protectors
We're independent, so we compare multiple carriers instead of offering one company's policy.
We can review your home, auto, and recreational coverage together and show you where bundling makes sense.
We write snowmobile and fish house coverage in Minnesota, Wisconsin, and South Dakota.
We're veteran-owned and happy to meet face-to-face at our Monticello office, or in Ham Lake by appointment.
We use modern tools to keep quoting quick, and a person on our team guides every recommendation.
We stay available after the sale for policy changes, renewals, and help with claims.
Own a business too? We can review your
commercial insurance and your personal coverage in the same conversation. You can also
learn more about us or
meet our team.
Customer testimonials on Google
A Local Insurance Agent Near You in Wright County and the Northwest Metro
Our office is at 261 East Broadway in downtown Monticello, close to the Mississippi River and the lakes that keep Wright County busy year-round. We insure homes, vehicles, and recreational equipment for families in Elk River, Buffalo, St. Michael, Albertville, and Rogers, and throughout the northwest Twin Cities. Stop in, call, or start online. If you're closer to Anoka County, we also meet at our Ham Lake satellite office by appointment.
5 Star Insurance Protectors
261 East Broadway, Monticello, MN 55362
(763) 432-2645
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
Personal Insurance Questions We Hear From Local Families
Should I bundle home and auto insurance?
Often, yes. Many carriers offer a multi-policy discount, and having one agency manage both makes renewals and changes simpler. Bundling isn't always the best value, though, so we compare bundled and separate options and show you both.
Can an independent agent quote multiple insurance companies?
Yes. That's the main difference between an independent agent and a captive agent, who represents one company. We compare coverage and price across multiple carriers and explain the differences before you choose.
Does an independent insurance agent cost more?
No. Independent agents are paid by the carrier, and there's no separate fee for comparing options or servicing your policy. You get help shopping carriers, plus a local team to call after you buy.
Who can insure my home, car, boat, and snowmobile together?
We can. We write homeowners, auto, boat, and snowmobile coverage, along with fish house, motorcycle, off-road, and classic vehicle insurance, so everything can be reviewed by one team. Snowmobile and fish house coverage is available in Minnesota, Wisconsin, and South Dakota.
Does my homeowners policy cover my boat, snowmobile, or fish house?
Usually not fully. Homeowners policies often limit or exclude coverage for recreational vehicles and equipment, especially away from your property. We'll compare what your current policy includes with standalone coverage so you know where you stand.
Is there a local insurance agent near me in Monticello?
Yes. Our office is at 261 East Broadway in Monticello, and we serve families throughout Wright County and the northwest Twin Cities. You can also request a quote online or meet us in Ham Lake by appointment.
See Your Options in One Place
Whether you're shopping for home and auto insurance, insuring a new boat, or finally getting the fish house covered, one quote request starts the comparison. Tell us what you'd like to insure and a member of our team will follow up with options from multiple carriers. Existing clients with a loss can go straight to our
claims and emergencies page.
