Excelsior has 2,570 residents in 1,272 households. We list 8 insurance agencies in Excelsior. Here is what the local numbers say about the cover people here need.

Excelsior at a glance

8insurance agencies listed
51.7%of households rentRenters insurance
1970median year homes were builtRebuild cost calculator
4.2%of households have no carAuto insurance

Population and housing figures: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates. Agency count: our listings.

Natural hazard risk in Hennepin County

FEMA rates the overall natural hazard risk in Hennepin County, where most Excelsior agencies we list are located, as Relatively High compared with other U.S. counties. The hazards it rates highest:

HailVery High
Hail is usually a covered cause of loss on home policies and under comprehensive cover on a car, but some insurers exclude wind and hail or apply a separate deductible. Ask the agent which applies.
Home insurance in Minnesota
TornadoVery High
Tornado damage is wind damage. Ask whether a policy includes windstorm cover and what its wind deductible is.
Home insurance in Minnesota
Strong windVery High
Some insurers exclude windstorm and hail from the main home policy or set a separate deductible for them. Ask the agent which applies.
Home insurance in Minnesota
Winter weatherVery High
Inland floodingRelatively High
Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.
Flood insurance

Source: FEMA National Risk Index, December 2025 release. Ratings compare each county with all other U.S. counties.

Car insurance rules in Minnesota

Minnesota requires drivers to carry at least $30,000 of bodily injury liability per person, $60,000 per accident and $10,000 of property damage liability, often written 30/60/10. It also requires personal injury protection ($40,000), uninsured motorist coverage ($25,000 per person, $50,000 per accident) and underinsured motorist coverage ($25,000 per person, $50,000 per accident). Minnesota is a no-fault state: your own personal injury protection (PIP) pays your medical bills after a crash, whoever caused it.

These are legal minimums, not a recommendation: a serious crash can cost far more, and anything above your limits is yours to pay.

Auto insurance in Minnesota How much liability cover do you need?

Source: revisor.mn.gov. Checked 2026-10-24.

What Excelsior agencies can write

Share of the 8 agencies listed in Excelsior that are appointed with at least one insurance company writing each type, or that name it on their own website.

Health50%
Life50%
Home25%
Boat25%
Landlord25%
Auto13%
Renters13%
Condo13%

Source: our listings. Appointment with a company that writes a type does not guarantee an agency sells it today.

Questions

Insurance agencies in Excelsior

How do I find an insurance agency in Excelsior?

Browse the agencies on this page, search by name, or pick the insurance you need in the filters to see only the agencies that offer it.

What insurance can I get from agencies in Excelsior?

Most often health, accident & health, life. Pick a type in the filters to narrow the list.

Do I need flood insurance in Excelsior?

FEMA's National Risk Index rates inland flooding risk in Hennepin County as Relatively High compared with other U.S. counties. Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.

Do I need renters insurance in Excelsior?

51.7% of households in Excelsior rent, according to the Census Bureau's American Community Survey. A landlord's policy covers the building, not your belongings or your liability; renters insurance covers those.

How do I choose an agency?

Call two or three. Ask which companies they can quote for you, how they handle claims, and who you will deal with after you buy. An independent agency can compare several insurers in one call.

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