Eden Prairie, Minnesota

One of the best places to live.
Your coverage should match.

Eden Prairie consistently ranks among the best places to live in America — which means higher home values, more to protect, and coverage needs that standard policies don’t always handle well. Options Insurance is 15 minutes away in Chaska, with independent access to 50+ carriers and the experience to match coverage to what Eden Prairie residents actually own.

Get a Free Quote → 📞 (952) 392-9508
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15 min from Eden Prairie
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50+ carrier options
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High-value home specialists
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Serving the area since 2011

Eden Prairie has plenty of insurance options. Not all of them are paying attention.

The problem in a high-income suburb like Eden Prairie isn’t finding insurance — it’s finding an agent who actually reviews your coverage, knows what your home costs to rebuild, and calls you when something changes. Most agencies write the policy and move on. We don’t.

  • Your Eden Prairie home’s replacement cost has risen significantly — your dwelling limit hasn’t been reviewed since you bought the policy
  • You own a condo in Eden Prairie — you’re relying on the HOA master policy without knowing what it actually covers
  • Your teen starts driving — no one proactively reviewed your liability limits or umbrella coverage before they got their license
  • Your business liability and personal liability are both undersized for the assets you have accumulated — a single claim could change everything

We review the full picture — home, auto, liability, business — and make sure each piece is built for what you actually have.

Coverage for Eden Prairie Residents & Businesses

Insurance for Eden Prairie’s homes, families, and businesses

Independent access to 50+ carriers means we find the right fit — whether that’s a high-value home, a condo, a corporate headquarters, or a growing family’s full insurance program.

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Personal Insurance

  • Homeowners — accurate replacement cost for Eden Prairie’s higher-value homes
  • Condo (HO-6) — fills the gaps your HOA master policy leaves open
  • Auto — 494, 212, and metro commuter coverage including teen drivers
  • Umbrella — essential liability protection for families with significant assets
  • Valuable items — jewelry, art, collectibles beyond standard sublimits
  • Recreational vehicles, renters, and more
Explore Personal Insurance →
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Business Insurance

  • General Liability — corporate offices, tech companies, professional services
  • Professional Liability (E&O) — consultants, advisors, service firms
  • D&O, Cyber, EPLI — for Eden Prairie’s business community
  • Commercial Property — buildings, equipment, inventory
  • Workers Compensation — required from your first Minnesota employee
  • BOP, Commercial Auto, and more
Explore Business Insurance →
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Health & Life Insurance

  • Individual & family health plans
  • MNsure Marketplace plans
  • Medicare Supplements & Medicare Advantage
  • Group health for Eden Prairie employers
  • QSEHRA & ICHRA plans for small businesses
  • Term life & disability insurance
Explore Health & Life →
Why Options Insurance

Personal service is worth 15 minutes on Highway 212.

Eden Prairie has no shortage of insurance options. What it has a shortage of is agents who know your name, review your coverage proactively, and are available when something goes wrong.

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We know your situation

You are not a policy number. When you call, you reach an agent who knows your home, your family, and your coverage. Claims and questions handled by people who know your file.

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50+ carrier options

As an independent agency we are not tied to one company’s products. We shop your coverage across 50+ carriers and bring you the best fit — including specialty markets for high-value homes.

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Proactive reviews

Eden Prairie home values and construction costs change. We review your dwelling limit at every renewal and flag it when your coverage is falling behind — before you find out at claim time.

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15 minutes away

Our Chaska office is about 12 miles from central Eden Prairie via Hwy 212. We are happy to meet in person, by phone, or by email — whatever works best for your schedule.

Eden Prairie-Specific Considerations

What Eden Prairie homeowners and businesses need to know

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Higher replacement costs

Eden Prairie has many homes valued well above average, with high-end finishes, custom features, outdoor kitchens, and finished basements. Standard dwelling limits often fall short. We verify replacement cost at every review.

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Condo & townhome gaps

Eden Prairie has many association-managed properties. Your HOA master policy covers the exterior and common areas — but typically not your interior finishes, personal property, or personal liability. We review the master policy to find exactly what your HO-6 needs to cover.

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Liability & umbrella

Higher assets mean more to protect. Umbrella coverage provides an extra layer of liability protection above your home and auto policies — and for most Eden Prairie households, it is one of the most cost-effective coverages available.

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Valuable personal property

Executive homes often contain jewelry, art, wine, and collectibles that quickly exceed standard homeowners sublimits. Scheduling these items individually ensures full protection at agreed value.

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Teen drivers

Eden Prairie’s family-friendly environment means many households add teen drivers every year. Before that happens, review your liability limits and consider umbrella coverage — the exposure increases significantly the moment a teen is on the policy.

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Business professionals

Many Eden Prairie residents are executives, business owners, or professionals with both personal and business insurance needs. We handle both — personal umbrella, professional liability, D&O, and business coverage — under one relationship.

About Eden Prairie

Consistently ranked among America’s best places to live

Eden Prairie is a city of approximately 65,000 residents in Hennepin County, located southwest of Minneapolis. Repeatedly ranked among the best cities to live in the United States by national publications, Eden Prairie offers excellent schools, extensive parks and trail systems, strong employment opportunities anchored by major corporate headquarters, and a quality of life that draws residents from across the metro. The city’s housing ranges from condos and townhomes to executive properties, with home values that reflect its desirability.

Options Insurance has been serving Eden Prairie from our Chaska office since 2011. At 12 miles via Highway 212, we are close enough to meet in person when it makes sense — and most of our Eden Prairie clients prefer the convenience of phone and email for day-to-day service.

Eden Prairie Center mall in Eden Prairie, Minnesota

Eden Prairie Center  ·  Photo: Bobak via Wikimedia Commons, CC BY-SA 2.5

Common Questions

Questions from Eden Prairie residents

Yes. Our Chaska office is approximately 12 miles from central Eden Prairie — about 15 minutes via Highway 212. We have been serving Eden Prairie residents and businesses since 2011 for personal, commercial, and health insurance.
Some will, some won’t — and even when they do, the limit may not keep pace with rising construction costs. As an independent agency we access carriers that specialize in higher-value homes, including surplus lines markets for properties that standard carriers decline or underwrite poorly. We verify replacement cost at every review so your limit stays current.
That depends on your association’s master policy. HOA master policies vary significantly — some cover bare walls, some cover all-in. We review your specific association’s master policy to identify exactly what your HO-6 needs to address: interior finishes, personal property, personal liability, loss assessment, and any gaps the master policy leaves open.
We typically recommend at least $1 million for most Eden Prairie households given higher home values, potential teen drivers, and accumulated assets. The cost is very modest relative to the protection — often $200–$400 per year for $1 million in coverage. For households with significant investment assets or business ownership, $2–$3 million is worth considering.
Yes — and handling both under one relationship has real advantages. We understand how your personal and business exposures interact, which helps us structure your umbrella, professional liability, and personal coverage as a coherent program rather than separate policies that may leave gaps at the intersection. Eden Prairie has a strong base of corporate professionals and small business owners and we work with all of them.
Get a Quote

Talk to an agent who pays attention.

We respond within one business day. Independent agency, 50+ carriers, personal service — not an automated system or a call center.

  • High-value homes, condos, and specialty coverage
  • Personal and business coverage under one relationship
  • 12 miles from Eden Prairie 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 Eden Prairie from our Chaska office

Options Insurance

102 N Jonathan Blvd #210
Chaska, MN 55318

(952) 392-9508

Email Options Insurance

Approximately 12 miles from central Eden Prairie — about 15 minutes via Highway 212.

Office Hours

Monday – Friday

7:30 AM – 5:30 PM

Evenings & Weekends

By appointment