Prior Lake, Minnesota

South metro lake living
deserves coverage that fits.

Prior Lake is built around one of the south metro’s most active recreational lakes — and the coverage needs here go well beyond a standard homeowners policy. Options Insurance is 15 minutes away in Chaska, with the carrier access and experience to insure lake properties, watercraft, growing families, and Prior Lake businesses correctly.

Get a Free Quote → 📞 (952) 392-9508
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Lake property specialists
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50+ carrier options
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15 min from Prior Lake
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Serving the area since 2011

Standard policies don’t account for life on a lake. The gaps show up when it matters most.

Prior Lake has a distinct insurance profile — lake properties, active watercraft use, growing families building equity, and a community that keeps expanding. A policy written for an average suburban home misses all of that. We review the full picture and build coverage that actually fits.

  • Your dock and lift aren’t covered under your homeowners — you assumed they were until something happened
  • A hailstorm moves through Scott County — your wind/hail deductible is 2% of dwelling value and you weren’t expecting that math
  • You cause a boating accident on a busy summer Saturday — your watercraft liability limit is a fraction of the claim
  • Your Prior Lake home’s value has grown substantially — your dwelling limit hasn’t moved in years and you’d be underinsured if you had to rebuild

We find and close these gaps before you discover them at claim time.

Coverage for Prior Lake Residents & Businesses

Insurance for Prior Lake’s homes, families, and businesses

As an independent agency with 50+ carriers, we find coverage that fits — lake property, new construction, growing families, and the full range of Prior Lake businesses.

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Personal Insurance

  • Homeowners — lakefront and in-town Prior Lake properties
  • Lake home — Prior Lake, Spring Lake, and connected waters coverage
  • Boat & watercraft — hull, liability, and dock coverage for active lake use
  • Auto — Hwy 13, CR 42, and metro commuter coverage
  • New construction — builders risk through move-in
  • Umbrella, RV, recreational vehicles, and more
Explore Personal Insurance →
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Business Insurance

  • General Liability — retail, restaurants, professional services
  • BOP — bundled property and liability for Prior Lake businesses
  • Restaurant & hospitality — liquor liability and event coverage
  • Workers Compensation — required from your first Minnesota employee
  • Professional Liability, Surety Bonds, Commercial Auto
  • Commercial Property 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 Prior Lake employers
  • Term life & disability insurance
Explore Health & Life →
Why Options Insurance

Close by, independent, and built for lake community living.

Prior Lake’s mix of lake properties, growing families, and active recreation creates a specific insurance profile. We understand it.

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15 minutes away

Our Chaska office is about 12 miles from central Prior Lake via CR 42 and Hwy 212. Close enough to meet in person, and most clients handle day-to-day service by phone or email.

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We understand lake living

Waterfront homes, docks, lifts, boats, seasonal considerations — we know the coverage needs that come with life on Prior Lake and Spring Lake and the carriers that handle them well.

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Independent, 50+ carriers

We work for you, not the insurance companies. Independent access means we find the right carrier for your specific property and situation — not just whatever one company offers.

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We grow with you

New home, new boat, new family member, new business — we review your coverage when things change so your protection keeps pace with your life.

Prior Lake-Specific Considerations

What Prior Lake residents and businesses need to know

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Lake property coverage

Homes on Prior Lake, Spring Lake, and the connected chain have unique exposures — docks, lifts, watercraft, and lakefront liability. Standard homeowners policies often handle these poorly. We make sure each element is specifically covered.

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Watercraft liability

Prior Lake sees heavy recreational use all summer. A serious boating accident creates significant liability exposure. Review your watercraft liability limits carefully — the standard minimum is rarely adequate on a lake this active.

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Hail and severe weather

The south metro sees significant hail and wind events. Review your deductibles — especially wind/hail deductibles, which are often percentage-based — and make sure you understand what a claim would actually look like before you need to file one.

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New construction

Prior Lake continues to grow with new residential development. New homes need builders risk coverage during construction. Once complete, make sure your dwelling limit reflects current construction costs — new homes often qualify for discounts too.

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Commuter auto coverage

Many Prior Lake residents commute north to Minneapolis or to other metro employment centers via Hwy 13 or CR 42. Auto coverage should reflect your actual annual mileage and commute pattern for accurate pricing and proper protection.

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Growing families

Prior Lake attracts families at all stages. As your household grows — kids, a new home, a boat, a teen driver — your insurance program needs to grow with it. We review proactively so nothing falls through the cracks.

About Prior Lake

The south metro’s lake community

Prior Lake is a city of approximately 27,000 residents in Scott County, located about 20 miles southwest of Minneapolis. Named for the lake at its heart, Prior Lake offers a mix of established neighborhoods, newer developments, and lake living that draws residents from across the metro. Prior Lake and the connected Spring Lake form one of the most active recreational lake chains in the south metro, with boating, fishing, and waterfront living as central parts of community life. The city continues to grow, with new residential development expanding the community while maintaining the lake-centric character that defines it.

Options Insurance has been serving Prior Lake from our Chaska office since 2011. At 12 miles via CR 42 and Hwy 212, we are your south-metro independent agency — close enough to feel local, experienced enough to handle whatever Prior Lake brings.

Aerial view of Prior Lake, Minnesota showing the lake and surrounding neighborhoods

Lower Prior Lake, Minnesota  ·  Photo: WorldIslandInfo.com via Flickr, CC BY 2.0

Common Questions

Questions from Prior Lake residents

Yes. Our Chaska office is approximately 12 miles from central Prior Lake — about 15 minutes via County Road 42 and Highway 212. We have been serving Prior Lake residents and businesses since 2011 for personal, commercial, and health insurance.
Yes. Lake properties on Prior Lake, Spring Lake, and the connected chain need more than a standard homeowners policy. We work with carriers that specialize in lake properties and review each element specifically — docks, lifts, watercraft, and the liability exposure that comes with lakefront living and active boat use.
At minimum: physical damage coverage for the hull and motor, and liability for injuries and property damage to others. Prior Lake sees heavy summer traffic — a serious accident creates significant liability exposure. We typically recommend reviewing liability limits carefully and considering umbrella coverage above your watercraft policy for additional protection. We match the program to your specific boat and how you use it.
This is one of the most common gaps we find. Your dwelling limit should reflect current construction costs — not what you paid for the home or what it would sell for today. Prior Lake home values have risen significantly, but construction costs have risen even faster. We verify replacement cost at every review and adjust limits so you are not underinsured when you need to rebuild.
Many Minnesota homeowners policies use a percentage-based wind/hail deductible — typically 1–2% of your dwelling coverage value — rather than a flat dollar amount. On a $500,000 home, a 2% deductible means you pay the first $10,000 out of pocket before insurance kicks in. We make sure you understand this before a storm hits, not after. If your deductible is uncomfortably high, we can shop carriers that offer flat deductibles as an alternative.
Get a Quote

Talk to a local agent who knows lake country.

We respond within one business day. Independent agency, 50+ carriers, real agents who understand Prior Lake and what it takes to live here.

  • Lake property, boat, and waterfront coverage specialists
  • Personal and business coverage under one roof
  • 12 miles from Prior Lake 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 Prior Lake 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 Prior Lake — about 15 minutes via County Road 42 and Highway 212.

Office Hours

Monday – Friday

7:30 AM – 5:30 PM

Evenings & Weekends

By appointment