Carver, Minnesota

Your Carver insurance agency
is right next door in Chaska.

Carver is a historic river town with unique insurance needs — flood risk along the Minnesota River, older homes with higher rebuild costs, rural acreages that need more than standard homeowners, and a small business community that deserves real attention. Options Insurance is 6 miles away in Chaska, with the carrier access to handle all of it.

Get a Free Quote → 📞 (952) 392-9508
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6 miles from Carver
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Flood & river risk specialists
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50+ carrier options
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Serving the area since 2011

Carver’s character is distinctive. Its insurance needs are too.

A standard homeowners policy written for a new suburban tract home misses most of what matters in Carver — the flood risk along the river, the cost to properly rebuild an older home, the rural property that needs farm coverage, the small downtown business that needs more than a generic BOP. We know the difference and we find the right coverage for each situation.

  • The Minnesota River floods — your property is near the river and you assumed flood was covered under homeowners; it isn’t
  • Your older Carver home needs major repair — the rebuild cost is far higher than what your policy covers because original materials and code upgrades weren’t factored in
  • Your acreage outside town has a barn, some equipment, and occasional visitors — none of that is covered under a standard homeowners policy
  • Response time from the fire department is longer than it would be in town — your carrier charges significantly more for the rural location and you didn’t know to shop it

We know these risks and we find the right carrier for each one. That’s what an independent agent is for.

Coverage for Carver Residents & Businesses

Insurance for Carver’s homes, acreages, and businesses

As an independent agency with 50+ carriers, we find coverage that fits — whether you’re in a historic downtown home, a bluff property, a rural acreage, or a small business on Broadway.

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Personal Insurance

  • Homeowners — historic downtown homes and newer bluff construction
  • Flood — Minnesota River proximity and flood zone properties
  • Hobby farm — acreages, barns, equipment, and rural property coverage
  • Auto — Hwy 212, river road commuting, and Minnesota winters
  • Classic car — agreed-value coverage for collector vehicles
  • Boat, umbrella, renters, and more
Explore Personal Insurance →
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Business Insurance

  • General Liability — downtown shops, restaurants, professional services
  • BOP — bundled property and liability for Carver small businesses
  • Restaurant & bar — liquor liability and food spoilage coverage
  • Commercial Property — buildings, equipment, inventory
  • Workers Compensation — required from your first Minnesota employee
  • Professional Liability and more
Explore Business Insurance →
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Health & Life Insurance

  • Individual & family health plans
  • MNsure Marketplace plans
  • Medicare Supplements & Medicare Advantage
  • Dental and vision insurance
  • Term life & disability insurance
Explore Health & Life →
Why Options Insurance

Chaska and Carver share a border. We share the same community.

We are not driving in from across the metro. We are six miles away, and we understand the specific insurance landscape along the Minnesota River.

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Right next door

Our Chaska office is 6 miles from downtown Carver — about 10 minutes on Hwy 41. We know this community and the specific risks that come with living along the river.

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River town expertise

Flood risk, older homes, rural acreages — we understand the unique coverage profile of Carver and the Carver County communities along the Minnesota River.

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Independent, 50+ carriers

We work for you, not the insurance companies. For unique situations — rural properties, historic homes, hobby farms — access to many carriers means we can find coverage even when standard markets decline.

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Real people, real answers

When you call, you reach an agent who knows your situation. Claims support and policy questions handled by people — not automated systems — within one business day.

Carver-Specific Considerations

What Carver residents and property owners need to know

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Minnesota River flood risk

Properties near the Minnesota River in Carver may be in a flood zone. Standard homeowners policies do not cover flood damage. Flood insurance is separate and often required by lenders for properties in Special Flood Hazard Areas — but worth considering even if not required.

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Historic home replacement cost

Older homes in Carver often cost more to rebuild than their market value. Original construction materials, period craftsmanship, and code upgrade requirements all drive higher rebuild costs. Your dwelling limit needs to reflect what it actually costs to rebuild, not what the home would sell for.

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Hobby farms & acreages

The Carver area has many small acreages that need more than standard homeowners coverage. Farm structures, equipment, livestock, and visitor liability all require specific coverage that standard policies exclude. We work with carriers that write hobby farm and rural residential programs.

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Rural fire response

Properties outside the Carver city limits may have longer fire department response times than in-town properties. This affects your insurance rates and sometimes your coverage options. We work with carriers that understand rural risk and find competitive pricing for rural properties.

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Bluff properties

Homes on the bluffs above the Minnesota River valley have different exposures than in-town properties — drainage, soil conditions, and access for emergency services all factor into coverage. We review bluff property situations carefully.

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Small downtown businesses

Carver’s Broadway business district has shops, restaurants, and services with specific coverage needs — neighboring property exposures, foot traffic liability, and the unique profile of a small-town business community that doesn’t always fit standard commercial policies.

About Carver

A historic river town with Chaska as its neighbor

Carver is a small city of approximately 5,000 residents in Carver County, located along the Minnesota River just west of Chaska. Founded in 1857, Carver retains its historic character with a walkable downtown, strong community identity, and a setting that draws residents who value small-town life within reach of the Twin Cities metro. The city shares its name with the county — and shares its border with Chaska, making Options Insurance as local as a Carver resident’s insurance agency can get.

We have been serving Carver from our office on Jonathan Blvd in Chaska since 2011. Six miles down Highway 41 is no distance at all — and most of our Carver clients handle day-to-day service by phone or email with an in-person meeting when it suits them.

Broadway Street in downtown Carver, Minnesota

Broadway, Carver, MN  ·  Photo: Bobak Ha'Eri via Wikimedia Commons, CC BY-SA 3.0

Common Questions

Questions from Carver residents

Our office at 102 N Jonathan Blvd #210 in Chaska is approximately 6 miles from downtown Carver — about 10 minutes on Highway 41. Chaska and Carver share a border, so we are genuinely the local option for Carver residents. We are happy to meet in person, by phone, or by email.
Standard homeowners policies do not cover flood damage — this is one of the most misunderstood gaps in residential insurance. Properties near the Minnesota River in Carver may be in a flood zone, and even properties outside the mapped Special Flood Hazard Area can flood. We help you assess your specific property’s flood risk and find coverage through the NFIP or a private flood carrier if it makes sense for your situation.
Yes. Small acreages outside the city limits need more than a standard homeowners policy. Farm structures, equipment, livestock, and liability for visitors require specific coverage that standard homeowners policies exclude. We work with carriers that write hobby farm and rural residential programs and find the right fit for your specific property and how you use it.
Yes. Classic and collector cars need agreed-value coverage — which pays the full insured value if the vehicle is totaled, without depreciation. Standard auto policies use actual cash value, which rarely reflects what a collector car is worth. We work with specialty carriers that offer agreed-value programs with proper coverage for storage, use limitations, and restoration costs.
At minimum: general liability and commercial property, typically bundled in a BOP. If you serve food or alcohol, you need liquor liability and food spoilage coverage. Workers comp is required as soon as you have employees. Downtown locations also have neighboring property exposure — if your business causes damage to an adjacent building, that’s a liability scenario your policy needs to address. We review your specific operation and make sure coverage fits.
Get a Quote

We’re your neighbor. Six miles down the road.

We respond within one business day. Independent agency, 50+ carriers — including specialty markets for flood, hobby farms, historic homes, and rural properties.

  • Flood, hobby farm, historic home, and rural property specialists
  • Personal and business coverage under one roof
  • 6 miles from Carver on Jonathan Blvd in Chaska
  • Monday–Friday 7:30 AM–5:30 PM; evenings and weekends by appointment

We respond within one business day. No spam, ever.

Visit Us

Serving Carver from our neighboring Chaska office

Options Insurance

102 N Jonathan Blvd #210
Chaska, MN 55318

(952) 392-9508

Email Options Insurance

Approximately 6 miles from downtown Carver — about 10 minutes on Highway 41.

Office Hours

Monday – Friday

7:30 AM – 5:30 PM

Evenings & Weekends

By appointment