About Twin Cities Coverage

One form.Multiple quotes.Real savings.

Insurance should protect what matters most in life — at the right price. At Twin Cities Coverage, we help Minnesota families quickly and easily compare personalized insurance options from trusted national carriers.

With access to companies like Progressive, Travelers, Safeco, Nationwide, and more, we make sure you're choosing from some of the best in the industry — all without the hassle of shopping around yourself.

Our simple process puts you in control. Whether you're protecting your car, your home, or your future, we're here to make insurance simpler, smarter, and built around your life.

FAQs

What's the difference between an agent and a broker?

Agents usually work with just one company — like State Farm or Farmers. Brokers work with lots of companies and shop around on your behalf to find the best rate.

If brokers are so great, why doesn't everyone use one?

Some people stick with the agent they've had for years. Others trust a certain brand. Also, many people just don't know brokers exist — especially the kind we work with. They're busy helping their clients and don't advertise much.

If they don't advertise, why does Twin Cities Coverage exist?

Because we believe everyone deserves access to trusted brokers and great rates. We connect you with brokers who can get real quotes from top carriers — not fake ads or empty promises.

Once I work with a broker, am I locked into one company?

Not at all. The brokers we work with will re-shop your policy with the other carriers they work with if your rates go up by 15%.

How does a broker get paid — and am I paying more because of it?

Good question. Brokers get a commission from the insurance company, not from you. So you're still getting the best available rate — no extra costs, no hidden fees. In fact, going it alone can sometimes cost you more, especially if you don't know how to spot the tricks. (Some direct carriers even wait to run your driving record until after you've paid — then raise your rate later.) Working with a broker means you've got someone in your corner who knows the system — and knows how to get you the right coverage at the right price.