Home and Auto Insurance

At the Steffes Agency we partner with an array of different home and auto insurance companies. This allows our agents to make sure you are given the best rate with optimal coverage. Feeling like your premium is too high? Let us quote you

Do you live out of state? Have a winter home in AZ? Have a cabin in the Black Hills? Don’t worry! We can insure your assets in MN, SD and AZ. Having all your insurance needs under one roof, we can make sure you have optimal coverage at an affordable price.

Home Insurance

Home is where the heart is! This is where your family comes together and memories are made. A home is one of the most important assets in your life, let’s make sure it is properly covered.

What would happen if you suffered a loss? Do you have adequate coverage to rebuild? Do you have adequate coverage to refurnish?  After living in a home for any period of time, you accumulate more than you may be aware of. Do not wait for a loss to realize the amount of personal property you have acquired.


  • Beds and bedding
  • Furniture
  • Pictures
  • Dinnerware
  • Clothes and shoes
  • Jewelry
  • Children’s toys
  • Electronics
  • Household tools
  • and more!

Have you recently purchased an expensive item? Is the value significant? What about that Grand Piano? Grandfather Clock?  Did you recently get engaged and want coverage on your ring? Here at the Steffes Agency we can schedule those high valued items. If it means a lot to you, it means a lot to us to make sure these items are covered adequately.

If you have the receipt of a recent purchase or a current appraisal, we can schedule these valuable items for what they are worth. The following are a few examples of what items we can schedule:

  • Jewelry and furs
  • Art and antiques
  • Guns and scopes
  • Musical instruments
  • Stamps or coin collections
  • Expensive Cameras
  • Riding lawnmowers
  • Skid steers
  • And more!

Type of Homes

Having trouble receiving quotes on your unique home? Is it too old to write with your current company? Is it constructed out of logs? Older mobile home? What ever the case may be, our educated agents at the Steffes Agency will find you adequate coverage. With our array of companies, we are able to write the following types of homes:

  • Mobile home
  • Historical Home
  • Split level
  • Ranch
  • Multi-level
  • Log home
  • Home with shake shingles
  • EIFS/ stucco siding
  • And more!

Additional Coverages Available

At the Steffes Agency, our educated agents understand that not every person that comes to us has the same needs. Have land at another location? Have rental properties? Live in a flood zone?  Our agents have you covered. We are able to add many different coverages to your homeowner’s policy to ensure you are adequately covered.


  • Farm land
  • Sewer back-up
  • Identity Theft
  • Equipment breakdown
  • Flood insurance
  • And more!

What about Insurance Discounts?

Are you receiving all of the discounts you are entitled to? Do you feel there may be more than what you are receiving? Multiple cars? Multiple policies? At the Steffes Agency, we love saving money just as much as our clients do!  Some discounts our companies offer:

  • Multiple vehicles
  • Multiple policies
  • Good student
  • Defensive driving
  • Home security system
  • New roof
  • Claim free
  • Paid in full
  • Automatic monthly withdrawal
  • Paperless
  • And more!

Auto Insurance

Do you own a classic car? Is it valued appropriately? Do you like to take your motorcycle out and cruise scenic areas? Do you have young drivers?  Have an RV camper or ATVs? Whatever your needs may be, the Steffes Agency is here for you!

Our educated agents have worked with numerous carriers over the years and know where they can find you the right coverage for the right price. What are taken under review when we quote? The following are a few examples of how the rates are determined:

  • Number of claims
  • Driving record
  • Liability only
  • Full coverage
  • Rating of each vehicle
  • Single or married
  • Age and sex
  • Education
  • Defensive driving course
  • And more!

High Risk Insurance

At the Steffes Agency we understand people make mistakes. Some mistakes require that you carry an SR-22. Whether it is an operator’s policy or you own vehicles and need an SR-22 policy, our agents have a market for you.

Full Auto Insurance Coverage

What is full coverage? What does it protect you from? Full coverage provides coverage against the following:

  • Wind/Hail
  • Windshield replacements
  • Collision
  • Hitting a deer or other animal
  • Roadside assistance (optional coverage)
  • Rental reimbursement while auto is being fixed from an accident (optional coverage)
  • And more!

So, when is full coverage needed? If your vehicle is financed or leased, it must have full coverage. Is it expensive? No two people have the same history. The premium depends on the deductibles you select, the type of vehicle, your driving history, claims and more.

Liability Auto Insurance Only

Is your vehicle paid off? Do you only drive it occasionally? Is it well protected from the ever-changing weather? Do you not want full coverage? Our agents can insure your vehicles with liability coverage only. Before switching to liability only, there are a few things to consider. Liability coverage does not cover the following:

  • Damage to your vehicle in an accident
  • Wind/Hail
  • Hit by an animal
  • Windshields
  • And more!

If you do liability only and are in a car accident, your insurance will only pay for the other party’s vehicle to be fixed if you are found liable. If the other party is deemed liable, damage to your vehicle will be covered by their policy.

Insuring Vehicles Parked for the Winter

At the Steffes Agency, we are also able to add just comprehensive coverage for vehicles that are in storage and not driven over the winter months. To apply this coverage, you must have more than one vehicle on your policy. Have questions about this coverage? Call one of our educated agents!

Insuring Children

Did your child reach that mile marker of getting their permit? Are they now licensed and driving out on the roads without you? Do they do well in school?  Don’t worry mom and dad, we have you covered. As soon as your child receives their permit, it is important to add them as a driver to your policy so they are covered when driving your vehicle.

Do they receive good grades? We have a discount for that! To add this discount to the policy, we would need their grade report from their current education institution. Who would of thought adding youthful drivers could be so easy?

Insuring Adult Children

Alright, the time has come to say goodbye to your children as they head off on their own. It is time that they start their own insurance and develop an insurance history.  Don’t be intimated! We offer a prior insurance history discount from when they were under your policy.  Your loved ones are our loved ones here at the Steffes Agency and we pride ourselves by taking care of every family member at every stage of their life.

Insuring Recreational Vehicles

Who doesn’t enjoy going out on the boat and jet ski’s? Those summer nights camping around the bonfire are hard to beat! Are your recreational vehicles covered? Don’t miss out on these wonderful outdoor activities. At the Steffes Agency we know how great it is to get away with your family. Let us make sure you are properly insured. The following are a few examples of what we can cover for you:

  • Boat
  • Camper
  • RV
  • ATVs
  • Jet Skis
  • Trailers
  • And more!

Give the Steffes Agency a call today to receive your no obligation quote for all your home and auto needs!


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