Chanhassen, Minnesota

Your Chanhassen insurance agency
is just next door.

Options Insurance is based in neighboring Chaska — 5 to 10 minutes from anywhere in Chanhassen. We have been serving Chanhassen families and businesses since 2011 as an independent agency that works for you, not the insurance companies.

Get a Free Quote → 📞 (952) 392-9508
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5–10 min from Chanhassen
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50+ carrier options
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Independent, local agents
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Serving the area since 2011

Most agents don’t know Chanhassen. We’ve been your neighbor since 2011.

When you call a 1-800 number, the person on the other end doesn’t know whether your neighborhood is near Lotus Lake, whether Chanhassen’s growth has changed your home’s replacement cost, or what coverage a local business actually needs. We do. That local context is what separates the right policy from a policy that technically exists.

  • A hailstorm hits your Chanhassen neighborhood — your deductible is higher than you realized and cosmetic damage isn’t covered
  • Your home near Lotus Lake has appreciated significantly — your dwelling limit hasn’t kept pace with what it would cost to rebuild
  • You take your boat out on Lake Minnewashta — your watercraft policy doesn’t reflect the boat’s current value or your actual liability exposure
  • Your Chanhassen business grows — no one has updated your policy and your coverage no longer reflects your actual operations

We catch these gaps before they become claims. That’s what a local, independent agent is for.

Coverage for Chanhassen Residents & Businesses

Insurance for every part of your life in Chanhassen

Independent access to 50+ carriers means we find the right fit for your situation — whether that’s a straightforward home and auto bundle or a more complex property or business program.

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Personal Insurance

  • Homeowners — established neighborhoods and newer Chanhassen developments
  • Auto — commuter coverage for Hwy 5, 101, and metro roads
  • Lake home & cabin — your Minnesota lake place covered too
  • Boat — Lake Minnewashta, Lake Ann, Rice Marsh Lake
  • Valuable items — jewelry, art, collectibles beyond standard limits
  • Umbrella, renters, condo, and more
Explore Personal Insurance →
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Business Insurance

  • General Liability — corporate HQ, retail, professional services
  • BOP — bundled property and liability for small businesses
  • Commercial Property — buildings, equipment, inventory
  • Workers Compensation — required from your first employee in Minnesota
  • Professional Liability, Cyber, Commercial Auto
  • D&O, EPLI for established Chanhassen employers
Explore Business Insurance →
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Health & Life Insurance

  • Individual & family health plans
  • MNsure Marketplace plans
  • Medicare Supplements & Medicare Advantage
  • Group health for Chanhassen employers
  • Term life & disability insurance
Explore Health & Life →
Why Options Insurance

Local. Independent. Accountable.

Those three words mean something specific when your agent is five minutes away and you might run into them at Kowalski’s.

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We’re right next door

Our Chaska office is 5–10 minutes from anywhere in Chanhassen. We know the neighborhoods, the lakes, and the local business community.

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We’re independent

We work for you, not the insurance companies. That means we shop your coverage across 50+ carriers and bring you the best fit — not just what one carrier offers.

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We’re responsive

When you have a question or need help with a claim, you reach a real person who knows your name and your situation — not a call center script.

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We stay proactive

Your life changes — you buy a boat, add a deck, start a business. We review your policies to make sure coverage keeps up with your life, not just when you remember to call.

Chanhassen-Specific Considerations

What Chanhassen residents and businesses should know

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Lake properties

Homes near Lake Minnewashta, Lotus Lake, Lake Ann, and other Chanhassen lakes may need watercraft coverage, dock endorsements, and liability limits that reflect the actual exposure of lake activities.

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Higher home values

Chanhassen has many higher-value homes where standard dwelling limits fall short of true replacement cost. We verify your coverage limit at every review so you are not underinsured when you need to rebuild.

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Severe weather

Chanhassen sees hail, wind events, and heavy winter storms like the rest of Minnesota. Review your deductibles — especially hail deductibles — and make sure your coverage includes cosmetic damage if your carrier offers it.

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Commuter auto coverage

Many Chanhassen residents commute to Minneapolis or the western suburbs via Hwy 5 or 494. Auto coverage should reflect your actual annual mileage and commute pattern — underreporting mileage is a common and costly mistake.

About Chanhassen

A neighbor city we’ve been serving for over a decade

Chanhassen is a city of approximately 27,000 residents in Carver County, known for its lakes, parks, and quality of life. Home to the Minnesota Landscape Arboretum and the Chanhassen Dinner Theatres — Minnesota’s largest professional dinner theatre — the city has a strong community identity alongside excellent access to the Twin Cities metro. Chanhassen’s residential and commercial growth over the past decade has made it one of the more dynamic communities in the southwest suburbs.

Options Insurance has been serving Chanhassen from our Chaska office since 2011. Five minutes separates the two cities, and our clients in Chanhassen get the same access to carriers, the same responsiveness, and the same local knowledge as our Chaska clients.

Chanhassen Dinner Theatres, a landmark in Chanhassen, Minnesota

Chanhassen Dinner Theatres  ·  Photo: Wikimedia Commons, CC BY-SA 3.0

Common Questions

Questions from Chanhassen residents

Our office at 102 N Jonathan Blvd #210 in Chaska is 5–10 minutes from anywhere in Chanhassen. We are happy to meet in person, by phone, or by email — whatever works best for you.
Yes. Lake properties in Chanhassen may need watercraft coverage, dock endorsements, and liability limits that go beyond a standard homeowners policy. As an independent agency we shop carriers to find the right fit for your specific property and how you use it.
This is one of the most common gaps we find. Your coverage limit should reflect current construction costs — not what you paid for the home or what it would sell for today. We verify replacement cost at every policy review and adjust limits accordingly. If you haven’t had a review recently, it’s worth a conversation.
Yes. We work with Chanhassen businesses of all types — from home-based operations to corporate offices to retail locations. General liability, BOP, commercial property, workers comp, professional liability, cyber, and more. We will assess your specific operations and find coverage that fits.
Call us at (952) 392-9508 or submit a quote request on this page. For most personal lines — home, auto, renters — we can have a quote back within one business day. Commercial quotes vary by complexity but we will give you a realistic timeline when you reach out.
Get a Quote

Talk to a local agent. We’re five minutes away.

We respond within one business day. Independent agency, 50+ carriers, real agents who know Chanhassen.

  • Independent — we shop coverage across 50+ carriers
  • Personal and business coverage under one roof
  • 5–10 minutes from Chanhassen 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 Chanhassen from our Chaska office

Options Insurance

102 N Jonathan Blvd #210
Chaska, MN 55318

(952) 392-9508

Email Options Insurance

5–10 minutes from Chanhassen. Located just off Peavy Road near Entegris. Free parking available.

Office Hours

Monday – Friday

7:30 AM – 5:30 PM

Evenings & Weekends

By appointment