At Stein Agency, we believe personal attention makes a difference. We take the time to get to know you and what you value. This is the best way to determine your unique risks and build an insurance program that fits you. We specialize in custom, personalized insurance programs for individuals, families, and businesses. We are an independent insurance agency which means unlike big brands you see on TV commercials, we have more than one option for your insurance needs.
This allows us to not only find you the right program, but ensures the right value as well. We are proud to say that we are a 4th generation agency that has been helping families and businesses navigate their insurance needs since 1927. We attribute our longevity and success to our core values: strong customer relationships, market expertise, and reliable service.
We work with clients throughout the Lindstrom area and the state of Minnesota and Wisconsin.
This allows us to not only find you the right program, but ensures the right value as well. We are proud to say that we are a 4th generation agency that has been helping families and businesses navigate their insurance needs since 1927. We attribute our longevity and success to our core values: strong customer relationships, market expertise, and reliable service.
We work with clients throughout the Lindstrom area and the state of Minnesota and Wisconsin.
Services
For an insurance company, there are two common methods for selling insurance.
One is to use a Direct Writer approach, and the other is to use an Independent Insurance Agent.
A Direct Writer represents one company.
They sell the insurance company's policy directly to consumers.
Some have store front offices with in-house sales staff (example: State Farm or Farmers Insurance), while others are almost entirely online (example: Geico or Progressive).
An Independent Insurance Agent represents multiple insurance companies and acts as the liaison between the insured and the insurance carriers.
One is to use a Direct Writer approach, and the other is to use an Independent Insurance Agent.
A Direct Writer represents one company.
They sell the insurance company's policy directly to consumers.
Some have store front offices with in-house sales staff (example: State Farm or Farmers Insurance), while others are almost entirely online (example: Geico or Progressive).
An Independent Insurance Agent represents multiple insurance companies and acts as the liaison between the insured and the insurance carriers.
All of the Insurance companies we represent provide a wide range of auto Insurance products at a fair price.
Your price gets even better if you qualify for any of our available discounts.
When applying for auto Insurance in Lindstrom, Minnesota, you're usually asked whether you want collision and/or comprehensive coverage, how high you want your deductible to be, what liability limits you want, and whether you want any types of optional coverage.
We can help you understand what these terms mean and how much coverage is right for you.
Your price gets even better if you qualify for any of our available discounts.
When applying for auto Insurance in Lindstrom, Minnesota, you're usually asked whether you want collision and/or comprehensive coverage, how high you want your deductible to be, what liability limits you want, and whether you want any types of optional coverage.
We can help you understand what these terms mean and how much coverage is right for you.
Your home is the usually the biggest purchase you will make and is your most valuable asset.
If you have any damage, you need a Minnesota insurance agent that will find the best company to fit your needs and settle your claims quickly.
At Stein Agency, we will help you find the right fit for your needs with providing quality service and affordable pricing.
Homeowner policies will differ on where you live, the valuables in the home and which coverages you choose.
A comprehensive plan will cover you financially if you have a loss due to fire, theft or other events, in addition to the event if someone is injured on your property.
If you have any damage, you need a Minnesota insurance agent that will find the best company to fit your needs and settle your claims quickly.
At Stein Agency, we will help you find the right fit for your needs with providing quality service and affordable pricing.
Homeowner policies will differ on where you live, the valuables in the home and which coverages you choose.
A comprehensive plan will cover you financially if you have a loss due to fire, theft or other events, in addition to the event if someone is injured on your property.
Deciding on the right Minnesota Individual Life Insurance policy usually depends on your future goals.
Whether you wish to provide a tax free income for your beneficiaries, have funds for the payment of the final expenses or estate taxes, replace the income that is lost if you die, or provide a significant charitable contribution, we can help you chose the policy that will fit your needs at an affordable price.
A source of savings - If not paid out by death benefit, some types of life insurance can have a cash value.
Whether you wish to provide a tax free income for your beneficiaries, have funds for the payment of the final expenses or estate taxes, replace the income that is lost if you die, or provide a significant charitable contribution, we can help you chose the policy that will fit your needs at an affordable price.
A source of savings - If not paid out by death benefit, some types of life insurance can have a cash value.
Umbrella insurance is there to protect you if you are liable for something big.
Similar to an umbrella, it is there to fill in coverage caps that you may have from your other insurance policies.
For example, if you're in a big car accident and need to cover replacement and medical costs, umbrella insurance can help in these extra costs.
Instead of just having your normal auto insurance coverage, Minnesota umbrella insurance gives you the additional coverage you may need.
Umbrella Insurance can assist in the claim and payment processes by covering costs when all other insurance is exhausted.
Similar to an umbrella, it is there to fill in coverage caps that you may have from your other insurance policies.
For example, if you're in a big car accident and need to cover replacement and medical costs, umbrella insurance can help in these extra costs.
Instead of just having your normal auto insurance coverage, Minnesota umbrella insurance gives you the additional coverage you may need.
Umbrella Insurance can assist in the claim and payment processes by covering costs when all other insurance is exhausted.
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