My Team is here to help with your Auto Insurance, Home Insurance, Life Insurance, Health Insurance, Condo Insurance and Renters Insurance for the communities of Coon Rapids, Anoka, Andover, Blaine, Minneapolis, and North Metro Area.

💲 Why did my insurance rate go up?

This is one of the most common questions we hear at the Kevin Vote State Farm Agency — especially when someone hasn't recently reported a loss.

Insurance rates can change for many reasons. The cost to repair vehicles and homes, medical and labor costs, weather-related losses, changes to your coverage, and other rating factors can all play a role.

Your individual situation matters too.

If your rate has changed, give our team a call or stop by our Coon Rapids office. We'll take the time to review your policies with you, help you understand factors that may be affecting your cost, and look for available discounts or coverage options that fit your needs.

Our goal is to help you better understand your insurance and the coverage you've selected.

🏠 Replacement cost vs. actual cash value — what's the difference?

Understanding these terms can help you better understand your coverage.

Replacement cost generally looks at the cost to repair or replace damaged property with comparable new property, subject to your policy terms and limits.

Actual cash value may take factors such as the property's age and condition into consideration when determining its value.

Because policies and individual situations can be different, it's helpful to understand what your policy provides.

At the Kevin Vote State Farm Agency, we're happy to review your coverage with you and help explain your options in plain language.

Have a question about your homeowners coverage? Give our Coon Rapids team a call.

🚗 What should I review when my teenager starts driving?

Adding a new driver to the family is exciting — and it can bring plenty of questions for parents.

It's also a great time for an insurance review.

Before your teen gets behind the wheel, talk with our team about when your new driver should be added to your policy, which vehicle they'll be driving, liability coverage, deductibles, available discounts, and other coverage considerations.

We can also use the opportunity to review the protection you've selected for your household.

We've helped many Minnesota families navigate the transition from learner's permit to licensed driver. Give the Kevin Vote State Farm team a call before your new driver hits the road, and we'll help you understand your options.

📋 I just reported a loss — what happens next?

An accident or damage to your home can be stressful. Not knowing what happens next can make the situation more difficult.

After the event is reported, a State Farm representative may contact you to gather information and explain the next steps. Depending on the type of event, you may also be asked to provide estimates, documentation, photos, or other information.

Because every situation is different, we recommend keeping your reference information handy, responding to requests for information, and asking questions whenever something isn't clear.

If you're unsure where to turn or who to contact, call the Kevin Vote State Farm Agency. Our team can help point you in the right direction.

🤝 I reported a loss — how can the Kevin Vote State Farm Agency help me?

When something unexpected happens, you may have questions about your policy or what to do next.

That's where having a local agent and team can be valuable.

Kevin and our team are available as a resource for you.

We can help you review your policy, better understand your coverage, answer general questions, and help direct you to the appropriate State Farm resources when additional assistance is needed.

We believe having a local insurance agency should mean having real people you know how to reach when you have questions.

When something goes wrong, you shouldn't have to figure everything out on your own. Contact the Kevin Vote State Farm team in Coon Rapids, and we'll help you determine the appropriate next step.