Options Insurance is located at 102 N Jonathan Blvd — in the same community you live and work in. We know this city. When something goes wrong, you are not calling a 1-800 number. You are calling a neighbor.
Most insurance agencies don’t know your street. We do.
The agent you call at a 1-800 number doesn’t know whether your neighborhood is near the river bluffs, whether your road floods in spring, or whether the new construction on your block affects your replacement cost. We do. That context matters when your coverage is being written.
A hailstorm hits Chaska East — your policy has a cosmetic damage exclusion nobody mentioned at sign-up
Spring flooding near the river — you assumed it was covered; standard homeowners does not cover flood
Your downtown Chaska business gets broken into — your BOP has a sublimit on equipment that leaves you short
You change jobs, get married, buy a boat — no one ever updated your policies to reflect your life
We are here to make sure none of those things happen to you. Independent, local, and accountable — because we see you at the coffee shop.
Coverage for Chaska Residents & Businesses
Insurance for every part of your life in Chaska
We write personal and commercial insurance across all the major lines. Because we are independent, we shop your coverage across 50+ carriers — not just one company’s options.
🏠
Personal Insurance
Homeowners — historic homes, new construction, townhomes
Auto — commuter coverage for Hwy 212 & 41, winter road conditions
Renters — affordable coverage for Chaska apartment dwellers
Boat & watercraft — for nearby lakes and the river
Umbrella — extra liability for families with assets to protect
Anyone can say they care about customers. Here is what it actually means when your agent is based in the same city.
📍
We’re here
Our office is in Chaska. When you call, you reach someone who knows where you live, what your neighborhood is like, and what risks are relevant to your situation.
📊
We’re independent
We work with 50+ carriers, not one. That means we shop your coverage and bring you the best option — not just whatever a single company has available.
📞
We’re available
When you have a claim or a question, you reach a real agent — not an automated system. Claims support and policy questions handled by people who know your file.
🔄
We stay current
Your life changes. Your coverage should too. We proactively review your policies to make sure your coverage keeps up with what you own and who you are today.
Chaska-Specific Considerations
What Chaska residents and businesses need to know about insurance
🌧️
Minnesota weather risk
Chaska sees its share of severe weather — summer hail, wind events, and heavy snow loads. Make sure your homeowners and auto policies account for the full range of Minnesota weather risks, including cosmetic damage coverage.
💧
River proximity & flood
Properties near the Minnesota River bluffs and lower-lying areas of Chaska may face flood exposure. Standard homeowners insurance does not cover flood damage. A separate flood policy through the NFIP or a private carrier fills that gap.
🏗
New construction growth
Chaska continues to grow with new residential and commercial development throughout the city. New builds, additions, and major renovations need builders risk coverage during construction — before a standard homeowners policy applies.
🏢
Chaska business community
From the historic downtown shops to the industrial parks near Entegris, Chaska’s business community spans retail, manufacturing, professional services, and contractors. Each needs coverage tailored to its specific operations and risk profile.
About Chaska
Serving a growing city since 2011
Chaska is a city of approximately 28,000 residents in Carver County, located about 25 miles southwest of Minneapolis. Known for its historic downtown, riverside parks, and excellent schools, Chaska blends small-town character with the amenities of a growing suburb. The city is home to major employers like Entegris and continues to attract new residents and businesses from across the metro.
We have been headquartered in Chaska since our founding in 2011. We know this community — its geography, its growth patterns, and the specific insurance needs that come with living and doing business here.
Yes — our office is located at 102 N Jonathan Blvd #210 in Chaska. We have been serving Chaska residents and businesses since 2011 and are happy to meet in person, by phone, or by email.
Standard homeowners insurance does not cover flood damage — this is one of the most common coverage gaps we see. Properties near the Minnesota River or in low-lying areas of Chaska should seriously consider a separate flood policy through the NFIP or a private flood carrier. We can help you assess your flood zone and find appropriate coverage.
A standard homeowners policy does not cover a home under construction. You need builders risk insurance, which covers the structure and materials during the build. Once construction is complete and you move in, you transition to a standard homeowners policy. We handle both and can time the transition so there is no gap.
Most Chaska businesses start with a Business Owners Policy (BOP), which bundles general liability and commercial property. Depending on your business, you may also need workers comp (required once you have employees), professional liability, commercial auto, and specialty coverages. We work with businesses across the spectrum — from home-based operations to manufacturing facilities.
For most personal lines (home, auto, renters), we can have a quote back to you within one business day. Commercial quotes vary depending on complexity — a simple BOP can often be quoted same-day, while more complex commercial programs take a few days. Call us at (952) 392-9508 and we can give you a realistic timeline for your specific situation.
Get a Quote
Talk to a Chaska insurance agent today.
We respond within one business day. No automated systems, no runarounds — just a real conversation with a local agent.
Independent agency — we shop 50+ carriers for you
Personal and business coverage under one roof
Chaska office — stop in any time during business hours
Monday–Friday 7:30 AM–5:30 PM; evenings and weekends by appointment
