👋 Welcome to the Casey Charlson Agency - State Farm Insurance in Bloomington, MN

Casey Charlson opened this office in 2010, and we have been at the same address ever since: 2626 E 82nd St, Ste 390, one block east of the Mall of America.

• 📍 Serving our neighbors — Bloomington, Richfield, Edina, Eden Prairie, Burnsville, Eagan, Savage, Apple Valley, and Minneapolis, plus Hennepin, Dakota, and Scott counties

• 🚗 Coverage for real life — auto, home, condo, renters, life, health, pet, boat, recreational vehicle, and business

• 🗺️ Licensed in Minnesota and Wisconsin in every line of business State Farm provides

• 👥 A team of 14 with more than 150 years of combined insurance experience, and service available in Spanish

• 📞 Call or text 24 hours a day — some claims route to a State Farm claims team, and we stay with you until it is settled

Stop in and meet the team that will answer your phone call for years to come!

❄️ November in Bloomington: Getting Ready for Minnesota Winter

November brings shorter days, colder temperatures, and the possibility of our first significant snowfall, making this a good time to review auto and home coverage before winter settles in. From deer activity along Old Shakopee Road and the Minnesota River Valley to icy commutes on I-494 and I-35W, seasonal changes can raise questions about comprehensive and collision coverage, deductibles, frozen pipes, and roof protection.

• 🚗 Winter Driving: Review your auto coverage before snow and ice arrive, including how your policy may respond to a deer collision or an accident on slippery roads.

• 🏠 Cold Weather and Your Home: Check your homeowners policy for provisions involving frozen pipes, ice dams, and water damage, particularly if you have an older home or plan to travel during the holidays.

• 🔑 Renters and Winter Protection: Renting an apartment or townhome? Understand how renters coverage may help protect your belongings if a covered fire or sudden water damage occurs.

November also brings a meaningful community milestone with the opening of the new Bloomington Veterans Memorial at Harrison Park, recognizing the service and sacrifices of veterans and their families. The city's Veterans Day observances and memorial celebration offer an opportunity to reflect on the people who have served our country and the importance of honoring them throughout the year.

📞 Before Minnesota winter gets into full swing, call or text our office for a seasonal coverage review. We'll take the time to explain your options, answer your questions, and help you understand what your current policies provide.

About Casey

I am a third-generation State Farm agent — insurance is quite literally our family business. After graduating from St. Olaf College in Northfield with a double major in Economics and Psychology and starting my career in financial services, I opened our Bloomington office in 2010 — and we have been at the same address ever since: 2626 E 82nd St, Ste 390, one block east of the Mall of America.

I became an agent to have an impact on our customers' lives. We work with our customers on the greatest days of their lives and the hardest days of their lives and everything in between. They call us when they buy a new house, have a baby, or get married. They call us when the house burns down and when someone dies. The impact comes from the conversations that happen in between.

A little more about me:

• 🎓 St. Olaf College graduate — Economics and Psychology

• 👨‍👩‍👧‍👦 Husband to Kristin, who also works on our team, and dad of two

• ⛷️ Ski racing coach with Team Afton at Afton Alps, and previously coached at Hyland Hills with Team Gilboa

• 🎿 Board member with U.S. Ski and Snowboard, the national governing body for skiing and snowboarding

• 🏆 Multiple-time Top 100 State Farm agency honoree, out of more than 18,000 nationwide

• 🎖️ Legion of Honor and Bronze Tablet recipient

• 📍 Minnesota native and lifelong Twin Cities resident

• 🏒 Devoted Gophers, Vikings, Wild, and Wolves fan — like most of our office

Our office is licensed in Minnesota and Wisconsin and in every line of business State Farm provides — auto, home, condo, renters, life, health, pet, boat, recreational vehicles, and business insurance. Our team of 14 has more than 150 years of combined insurance experience and offers service in Spanish. We have been ranked among the Top 100 State Farm agencies in the country multiple times, out of more than 18,000 nationwide.

When you call a 1-800 number, you will rarely speak to the same person twice. Here, you will work with the same people for the life of your policy — an advocate in your corner who knows your name, your family, and your coverage. We service what we sell, and we sell what we service: one office for coverage questions, claims questions, and billing questions, with no handoffs.

We live here, we coach here, and we answer the phone here. Whether you are adding a teen driver, comparing renters coverage, reviewing a roof after a storm, or figuring out how much life insurance your family needs, we start by listening and go from there.

Frequently Asked Questions

If I hit a deer around Bloomington, what part of my auto policy may cover the damage? Damage from hitting a deer is typically handled under comprehensive coverage rather than collision coverage. That is especially worth reviewing in November, when deer are more active around dusk on roads near Bloomington and across the Twin Cities.

What should I check on my auto policy before the first snow in Minnesota? Before winter driving arrives, review your liability limits, comprehensive and collision coverage, deductibles, and any optional coverage you may rely on after an accident. Bloomington drivers who regularly use I-494, I-35W, Highway 77, or other busy Twin Cities routes may find a fall policy review especially useful.

Does auto coverage work differently if I slide on ice and hit another car? The coverage that may apply depends on what happened and the coverages on your policy. Liability coverage may apply to damage or injuries you are responsible for causing, while collision coverage may apply to damage to your own vehicle, subject to your policy terms and deductible.

Should Bloomington homeowners review their roof coverage before winter? Yes. Before snow and ice arrive, it is useful to know whether your roof is covered at replacement cost or actual cash value and what deductible applies. Bloomington has many older homes, so understanding the roof provisions in your specific policy can help avoid surprises later.

Does homeowners coverage help if a pipe freezes and bursts during a Minnesota winter? A homeowners policy may cover sudden water damage from a burst pipe, depending on the circumstances and policy terms. Coverage can be affected by factors such as whether the home was properly heated or left vacant, so it is important to review your specific policy.

Are ice dams covered by homeowners coverage in Minnesota? Damage associated with an ice dam may be covered depending on how the damage occurred and the terms, limitations, and exclusions of the policy. Because ice dams can be a concern in Minnesota homes during winter, homeowners can review their coverage before heavy snow and prolonged cold arrive.

If I rent an apartment in Bloomington, does my landlord's policy cover my belongings? Generally, a landlord's policy covers the building rather than a renter's personal belongings. Renters coverage can help protect personal property from certain covered losses and may also include liability and additional living expense coverage, depending on the policy.

Can renters coverage help if a pipe bursts and damages my belongings? It may. If a pipe suddenly bursts and causes a covered loss, renters coverage may help with damage to personal belongings, subject to the policy's terms and deductible. Damage caused by flooding from overflowing rivers or other bodies of water is generally treated differently.

I already have coverage through work for my family. Should I review whether it is enough? Yes. Employer-provided coverage can be a useful starting point, but the amount and what happens to it after a job change can vary. A review can help you compare what you already have with your income, house payment, childcare costs, debts, and the people who depend on you.

We just had a baby or bought a house in the Twin Cities. Is this a good time to review our family protection? Those are both natural times to review how your household would manage financially if a parent or income earner died. Start with what you already have, then consider income, debts, childcare, a house payment, and other ongoing needs before deciding whether changes make sense.