Who We Serve — Minnesota

Insurance that fits your life, your stage, your profession.

Your career and life stage shape your insurance needs in ways a generic policy can’t address. We have built dedicated pages for 18 professions and life stages — each one explaining what coverage actually makes sense for your situation.

Get a Free Quote All Personal Products

By Profession

Coverage tailored to your career

Your profession creates specific insurance needs — liability exposure, asset levels, and the products that make sense for your income and situation.

💊

Physicians

High income, complex assets, and malpractice concerns create specific personal insurance needs beyond what most policies address.

👤 Janel Morris

🏥

Nurses

Healthcare workers with demanding schedules and unique liability exposure on and off the job.

👤 Tippy Sourignavong

📈

Financial Advisors

E&O, personal liability, and asset protection for financial professionals.

👤 Janel Morris

💻

Medical Device Professionals

Coverage for professionals in Minnesota's large medical device industry.

👤 Erik Roti

🏠

Real Estate Agents

Home, auto, and liability coverage for real estate professionals.

👤 Tippy Sourignavong

🏫

Teachers

Coverage for educators balancing home, auto, and personal liability on a teacher's budget.

👤 Erik Roti

🚨

First Responders

Police, fire, and EMS professionals with unique liability and income protection needs.

👤 Janel Morris

👔

Corporate Executives

High-income executives with significant personal assets and complex coverage needs.

👤 Janel Morris

🏪

Small Business Owners

Personal and business coverage for Minnesota entrepreneurs.

👤 Erik Roti

By Life Stage

Coverage that moves with you through life

Major life events create immediate insurance gaps and new needs. We have guidance for every transition.

💛

Newlyweds

Combining households, assets, and coverage after marriage — what to review and what to add.

👤 Tippy Sourignavong

🍼

New Parents

Life insurance, home safety, and additional coverage for growing families.

👤 Erik Roti

🏠

New Homeowners

First-time homebuyers navigating homeowners insurance for the first time.

👤 Janel Morris

🚙

Moving to Minnesota

Relocating to Minnesota and navigating new coverage needs.

👤 Janel Morris

⚖️

Divorce

Coverage changes, asset protection, and rebuilding a personal insurance program after divorce.

👤 Tippy Sourignavong

🎓

College Students

Coverage for students away at school — renters, auto, and staying on family policies.

👤 Janel Morris

🚜

Farm Families

Agricultural households with a mix of personal and farming coverage needs.

👤 Janel Morris

🎉

Retirees

Coverage review, Medicare coordination, and protecting assets in retirement.

👤 Erik Roti

🎖️

Military Veterans

VA benefits coordination and personal insurance for Minnesota veterans.

👤 Tippy Sourignavong

Your Agent

Each agent specializes in specific client profiles.

When you call Options Insurance, you are matched with the agent whose expertise fits your situation best — not whoever happens to answer the phone.

Janel Morris

Physicians, financial advisors, farm families, corporate executives, first responders, new homeowners, moving to MN, college students

Tippy Sourignavong

Nurses, real estate agents, newlyweds, military veterans, divorce, small business owners

Erik Roti

Medical device, teachers, new parents, retirees, small business owners

Dane Roti

Commercial lines

Carolyn Todd

Workers comp & professional lines

Why It Matters

Why your life stage and profession matter for insurance

🔎

Generic policies have gaps

A standard home and auto policy is designed for an average household. Your situation almost certainly differs from average — and those differences create coverage gaps that a specialized agent can address.

📈

Your assets change

A new physician has different asset protection needs than a retiring corporate executive. The right coverage at each stage of life is not the same coverage.

👥

Life events create blind spots

Marriage, divorce, kids, relocation, a new home — each one changes your insurance exposure in ways that are easy to miss without a proactive review.

Get Your Quote

Tell us where you are in life. We will build coverage that fits.

Life stage and profession both shape what you need. We take both into account.

Matched with the right agent for your profile
Coverage gaps identified for your life stage
50+ carriers compared
Personal and business lines coordinated
Annual review as your situation changes

Start your free quote

Fill out the form and an agent will be in touch within one business day.