Casey Charlson

👋 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!

🍂 September in Bloomington means back-to-school routines, more driving, and getting ready for the change in seasons. As schedules pick up and the weather starts to change, September is a good time to take a quick look at the coverage that matters most for your family, your car, and your home.

• 🚗 Adding a teen driver? Let’s review the auto policy and available discounts before the school year gets too busy.

• 🏠 Have a finished basement? Make sure you understand how sewer and sump backup coverage works before the seasons change.

• 🛞 Driving more for school, sports, and activities? It’s a good time to review your auto coverage and make sure you know what you have.

• 📞 Have a question about your coverage? Call or text our office. We’re happy to walk through it with you.

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

Does hitting a deer in Bloomington count as comprehensive coverage? Hitting a deer is generally handled under comprehensive auto coverage rather than collision coverage, although the exact coverage depends on the policy.

What should I review on my auto insurance before October and winter driving in Minnesota? Fall is a good time to review your comprehensive, collision, liability, and uninsured or underinsured motorist coverage so you understand what you have before winter driving arrives.

How much auto insurance do I need in Minnesota? Minnesota requires liability coverage, personal injury protection, and uninsured and underinsured motorist coverage. The state minimums are a legal starting point, and your coverage limits can be reviewed based on the vehicles, drivers, and assets you are protecting.

Does Minnesota no-fault insurance pay to fix my car after an accident? No-fault coverage is primarily for certain injury-related expenses such as medical costs and lost wages. Damage to your vehicle is handled through other parts of your auto policy, depending on how the accident happened and what coverage you carry.

What should I expect when I add a teen driver to my auto policy? Adding a teen driver can change the cost and coverage needs for the household. It is worth reviewing the policy before the young driver is on the road and asking about available programs such as good student and Drive Safe and Save.

What should I check on my Bloomington home insurance before the first freeze? October is a good time to review your roof coverage, water-related protection, and basement coverage, and to make sure you know where your main water shutoff is. Outdoor faucets, hoses, and sprinkler systems should also be prepared for freezing temperatures.

Does homeowners coverage pay for an older roof at replacement cost? It depends on the policy. One important question for an older Bloomington home is whether the roof is covered at replacement cost or depreciated actual cash value, because those approaches can produce very different amounts of coverage.

Is sewer or sump backup covered by standard homeowners insurance? It may require a separate sewer and sump backup endorsement. This is especially important to review if your Bloomington home has a finished basement or a sump pump.

What happens if an ice dam damages my home in Minnesota? Ice dams can cause water to back up and enter areas of the home, but how resulting damage is handled depends on the policy and the circumstances. Reviewing your coverage before winter can help you understand what applies.

Should I review my home coverage after a renovation or major home improvement? Yes. Renovations can change the cost to rebuild or replace parts of your home, so it is worth reviewing your coverage after a significant improvement rather than assuming an older policy still reflects the home as it is today.

Do renters in Bloomington need renters insurance? Renters insurance can help protect personal belongings and provide liability coverage, subject to the policy terms and limits. It can be useful for renters in apartments, condos, and other rental homes throughout Bloomington and the surrounding Twin Cities communities.

Does renters insurance cover belongings stolen from my car? Personal items stolen from a vehicle are generally not handled by comprehensive auto coverage. Depending on the circumstances, your renters policy may provide protection for personal belongings, subject to its terms and limits.

What should renters review before winter starts in Minnesota? Fall is a good time to check your renters coverage, especially the limits for personal belongings and liability. It is also a good time to make sure you know what your lease requires and what protection is provided by your own policy.

How much coverage should I consider for my family after having a baby? A family coverage review often starts with the income that would need to be replaced and major obligations such as a house payment, childcare, and other family expenses. The first step is to look at what coverage you already have before deciding whether anything else is needed.

Is the coverage I have through work enough for my family? Workplace coverage can be an important starting point, but the amount may not match your family's long-term needs and it may change if your employment changes. A review should start with the amount you have now, what it is designed to cover, and the needs of the people who depend on you.