Fall is upon us in Prior Lake! Now that the kids are back in school you have more time to focus on other important items like Insurance & Financial Services ;) We are here to help make insurance easy to understand so you can make informed decisions. Call us to schedule an appointment – we meet with customers in person and virtually!
Our offices in Chanhassen and Prior Lake are dedicated to helping families, individuals, and businesses protect what matters most while preparing for the future. We are proud to serve the entire Twin Cities Metro area, and are licensed to assist customers throughout Minnesota, Wisconsin, Iowa, South Dakota, and North Dakota.
I began my State Farm career in 2008 and opened my own agency in 2012. Since then, I have been honored to serve my neighbors, providing reliable coverage and guidance that fosters assurance, empathy, and accessibility. We offer the full range of State Farm products, including Auto, Home, Life, Health, Business, Pet Insurance, and Building your Financial Future. Whether you’re looking to protect your family’s future, safeguard your home or car, or plan ahead financially, my team and I are here to guide you with personalized recommendations that fit your goals and your budget.
I grew up in Nebraska and graduated from the University of Nebraska–Lincoln - Go Big Red! Today, I live in the Lake Minnetonka area with my wife, our 11-year-old daughter, and our 16-year-old son. Outside the office, I love sports - especially basketball, football, golf, and fishing.
I was drawn to becoming a State Farm agent because I wanted to own a business that would allow me to create the environment I work in, control my own destiny, and most importantly, help people. This career has given me the opportunity to guide customers through difficult times and to help them prepare financially for the future - something I find deeply rewarding.
Our agency prides itself on our empathetic approach. We make recommendations based on what we would want for ourselves, and we are committed to being easy to reach whenever our customers need us. From customized risk advice to same-day responses, we deliver service that truly stands out. Building lasting relationships with our customers is at the heart of our work. We take the time to get to know each family through simple, needs-based conversations, listening carefully and offering advice that make sense. Our top priority is to earn the confidence that serves as the foundation for these relationships.
Over the years, we have been recognized by State Farm as a Top 100 agency for our commitment to excellent service. In addition, I hold several security licenses while working toward my ChFC designation. Beyond the office, I’m an active member of the Chanhassen Rotary Club and have previously served as the club’s treasurer.
Whether you’re just beginning your insurance journey or reviewing your current coverage, I invite you to stop by, call, or connect with our Chanhassen or Prior Lake offices. My team and I are here to provide trusted guidance, personalized protection, and support through every stage of life
Licensed in Minnesota, Wisconsin, Iowa, South & North Dakota.
Question of the Month:
How Much Auto Liability Insurance Do I Need in Minnesota?
Yes, Minnesota requires drivers to carry minimum auto liability coverage. But meeting the legal minimum may not provide enough protection after a serious accident.
When choosing coverage, think about more than the amount needed to register and drive your vehicle. Consider what you could be responsible for if you injured someone or damaged their property—and where you typically drive.
What does auto liability insurance cover?
Liability coverage can help pay for injuries or property damage you cause to others in a covered accident, up to your policy limits. It generally does not cover damage to your own vehicle; that may be covered by collision or other optional coverages, depending on your policy.
Minnesota also requires certain other auto coverages, including personal injury protection (PIP) and uninsured/underinsured motorist coverage. Requirements and policy details can change, so check your current policy or confirm the latest rules with the Minnesota Department of Commerce.
What is Minnesota’s minimum liability coverage?
Minnesota’s minimum required liability limits are commonly shown as 30/60/10:
$30,000 for bodily injury to one person
$60,000 for bodily injury to two or more people in one accident
$10,000 for property damage in one accident
These are limits—not guaranteed payouts. A covered claim can exceed them, and you may be responsible for amounts above your policy limits.
Is the minimum enough?
The minimum is a legal starting point, not a recommendation for every driver. Medical bills, lost income, and vehicle or property repairs can add up quickly. If the costs of a covered accident exceed your liability limits, you could have to pay the difference yourself.
For drivers around Prior Lake, $100,000 per person, $300,000 per accident for bodily injury, and $100,000 for property damage—is generally a middle-of-the-road option to consider. The right amount depends on your circumstances, assets, budget, and driving habits.
Consider where you drive
Your usual routes matter. Think about whether you regularly drive through busy urban areas, commute long distances, travel in heavy traffic, or take frequent road trips. Reviewing your coverage in light of the places you typically travel can help you decide whether your current limits fit your needs.
A good next step: Review your policy limits with your insurance representative and ask what options are available. Jeremy Senn State Farm in Chanhassen can help you understand your coverage choices and consider limits that make sense for you.
Coverage is subject to policy terms, conditions, exclusions, and limits. This article is for general educational purposes and is not a substitute for reviewing your policy or getting an individual insurance recommendation.
