Prokop Insurance Agency
Plymouth, Minneapolis, St. Paul and Minnesota Insurance Pros
Home Insurance in Edina, MN
Protect Your Home and Peace of Mind with Prokop Insurance Agency
If you own a home in Edina, MN, you already know how much effort goes into protecting your home, your belongings, and your family. The unexpected happens — from hail and storm damage to theft and liability claims — and being underinsured when that happens can be stressful and costly.
Here’s the good part: you don’t have to navigate home insurance alone. At Prokop Insurance Agency, we help homeowners throughout Southdale, 50th & France District, Highlands Neighborhood, Braemar Golf Course Area, Centennial Lakes Park, and Tracy Avenue Historic District get home insurance coverage that fits their needs — without confusing jargon or pushy sales tactics.
What Is Home Insurance (Really)?
Home insurance helps pay to repair or replace your home and belongings if they’re damaged or destroyed by covered events like fire, windstorm, theft, or vandalism. It also helps protect you from liability if someone gets hurt on your property.
Most people in Edina don’t realize that:
- Standard home insurance doesn’t cover flood damage. That’s a separate flood policy.
- Your policy covers more than just the walls. It can protect detached structures, personal belongings, and liability.
Why Edina Homeowners Need the Right Coverage
Here’s something many homeowners don’t think about until it’s too late: insurance rates in Minnesota have been increasing, partly due to more frequent severe weather events. Some estimates suggest premiums may rise as much as 15% statewide.
That means:
- Your current policy might not keep pace with rebuilding costs.
- Shopping once and never reviewing again can cost you money.
That’s where we help: we review your coverage every year to make sure you’re not underinsured or paying for coverage you don’t need.
Home Insurance Services We Offer
Home Insurance (Primary Coverage)
This covers:
- Your home’s structure
- Personal belongings
- Liability protection
- Additional living expenses if you’re temporarily displaced
We walk you through limits, deductibles, and how claims work. No guesswork.
Flood & Fire Insurance Add‑Ons
Standard policies don’t cover floods. If your home is near a flood zone or you want extra safety, we can help you get flood coverage through the right program.
Condo Insurance & Renters Insurance
Own a condo or rent in Edina? These policies are tailored to your type of home and personal property.
Umbrella Insurance
Extra liability protection beyond your home policy. Great if you have a pool, guest parking, or frequently host gatherings.
Liability Coverage
Helps protect your finances if someone is injured on your property.
Homeowners Policy Review & Comparison
If you’re unsure whether your coverage still fits your home’s value or neighborhood risk, we’ll review it for you.
How We Help You Get the Best Coverage
Unlike one‑company agents, we work with multiple trusted carriers so you get options that truly fit your situation. That means:
- Comparing different coverage limits and deductibles
- Looking at multiple carrier pricing
- Helping you understand what’s covered and what’s not
We take the time to explain your options in plain language — no insurance buzzwords.
What Makes Prokop Insurance Agency Different
Locally Owned in Edina, MN
We live and work here. We’re licensed in Minnesota and have helped homeowners for 10+ years.
Customer Reviews & Satisfaction
We have strong testimonials that reflect our responsiveness, claim support, and clear explanations.
Licensed Insurance Agents in Minnesota
Our certifications meet state requirements, and we follow best practices for risk assessment and policy recommendations.
Regular Policy Audits
We check your policy each year to make sure limits and coverages still make sense as your home and life change.
Common Situations We Help With
New Home Purchase in Edina
Buying a home near Southdale or Centennial Lakes Park? We make sure your insurance lines up with your lender’s requirements.
Roof or Weather Damage Concerns
Minnesota weather can be unpredictable. If you want to review your windstorm or hail coverage, we walk you through it in simple terms.
High‑Value Items
Got jewelry, art, or electronics? We can help you schedule these for extra coverage.
Your Home Insurance Checklist
Wondering what you should think about before renewing or buying a policy? Here’s a simple list:
- What is your dwelling coverage limit?
- Do you have replacement cost or actual cash value?
- Are your belongings covered at today’s prices?
- Do you need extra liability protection?
- Have you reviewed your deductibles to balance cost and risk?
- Do you live near a flood zone (requires separate coverage)?
As local agents, we don’t just write a policy and forget about you. We help you answer these questions year after year.
Serving Edina and Surrounding Neighborhoods
At Prokop Insurance Agency, we proudly serve home and condo owners across:
- Southdale
- 50th & France District
- Edina Galleria Area
- Highlands Neighborhood
- Braemar Golf Course Area
- Centennial Lakes Park
- Tracy Avenue Historic District
We’re right here in Edina, and we know how local conditions and home values impact the coverage you need.
Ready to Get Started?
If you want a clear, honest discussion about your home insurance — without sales pressure — reach out to Prokop Insurance Agency today.
We’ll:
- Review your current policy
- Explain coverage options in plain language
- Help you find the best fit for your home and budget
Get an insurance review or quote now. Your home deserves protection that makes sense.
Frequently Asked Questions
What does home insurance actually cover?
A basic home insurance policy covers your home structure, personal belongings, and liability for injuries on your property. It doesn’t usually cover floods or earthquakes.
Do I need flood insurance in Edina?
If your home lies in or near a flood‑prone area, flood insurance is highly recommended. Standard home insurance doesn’t cover flood damage.
Why do home insurance rates keep increasing?
Premiums in Minnesota have been rising due to more frequent severe weather and larger claims. Keeping your policy up‑to‑date is essential.
Can I bundle home and auto insurance to save money?
Yes. Many carriers and agencies offer multi‑policy discounts when you combine home and auto insurance.
What’s a deductible and how should I choose it?
A deductible is what you pay out of pocket before insurance kicks in. Higher deductibles can lower premiums but mean more cost if you file a claim.
How do claims work with Prokop Insurance Agency?
We help you file a claim, communicate with the carrier, and follow up so you get the payout you deserve without unnecessary stress.
How often should I review my home insurance?
At least once a year or when you make big changes — like remodeling, buying expensive items, or after weather events.