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Personal Insurance

Flood, Earthquake and Wind

Talk with us today
Personal Insurance

Flood, Earthquake and Wind

Talk with us today
Personal Insurance

Flood, Earthquake and Wind

Talk with us today

Your home's location can expose it to risks that a standard homeowners policy may not fully address. Flood and earthquake damage generally require separate coverage, while wind and hail protection can vary by location and policy. Our team helps you understand these differences, review deductibles and limits, and explore coverage for your primary home, vacation property, or investment property, so you can prepare for the unexpected.

COVERAGE TYPES
  • Primary Flood Insurance
  • Excess Flood Insurance
  • Earthquake Insurance
  • Windstorm & Hail Coverage
  • Named Storm & Hurricane Coverage
  • Dwelling & Other Structures
  • Personal Property Coverage
  • Additional Living Expenses (Where Available)
  • Primary Flood Insurance
  • Excess Flood Insurance
  • Earthquake Insurance
  • Windstorm & Hail Coverage
  • Named Storm & Hurricane Coverage
  • Dwelling & Other Structures
  • Personal Property Coverage
  • Additional Living Expenses (Where Available)
our team

Your flood, earthquake and wind experts

Julie Cartford

Julie Cartford

Private Client Advisor
Stewart Pomales

Stewart Pomales

Senior Private Client Advisor
Jenn Wendorff

Jenn Wendorff

Private Client Analyst
Alyssa Blake

Alyssa Blake

Senior Private Client Advisor
Jennifer Middleton

Jennifer Middleton

Senior Vice President, Personal Lines
Alex Moreno

Alex Moreno

Senior Private Client Advisor
Ginny Hosley

Ginny Hosley

Senior Private Client Advisor
Lynn Pettis-Burgemeister

Lynn Pettis-Burgemeister

Executive Private Client Advisor
Meet the entire team
Trusted by those we serve

What our clients say

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Laura was wonderful to work with in marketing and placement of all of my personal insurance with new more competitive insurance companies. Laura made the process very easy to place all 5 of my personal insurance policies with 2 new companies.

Dennis B.
CG Personal Lines Client

Pat is experienced, patient, and kind whenever I call. For over 15 years, Christensen Group has been a trusted partner in navigating the complexities of personal insurance. It’s reassuring to have someone like Pat in my corner.

Alex L.
CG Personal Lines Client

Tayler and Maddy made finding home insurance smooth and stress-free. They clearly explained our options and helped us choose coverage that fits our needs and budget. Their knowledge, professionalism, and genuine care made the experience exceptional.

Sara O.
CG Personal Lines Client

They helped us throughout our devastating fire experience. Since then, we’ve continued to appreciate the excellent customer service from Barb Borders.

Rose Ann B.
CG Personal Lines Client

Ashley Luoma and the Monticello team provide prompt, personal service. Before renewal, Ashley let us know about a rate increase, compared other providers, and confirmed our current plan was still the best fit. That proactive care is rare!

Sue M.
CG Personal Lines Client

Alyssa went above and beyond when I asked for advice on a friend’s claim. Even though I wasn’t involved in the claim, she steered me to the right people, and we got a favorable settlement for my friend.

John S.
CG Personal Lines Client

Jen and the Monticello personal lines team are personable, proactive, and focused on their clients’ needs. Having spent over 10 years in insurance, I know how important communication and client care are—and this team delivers. Highly recommend!

Eric M.
CG Personal Lines Client
How we work

A process built around your life

01

Discovery

We start with a conversation about your family, your priorities, and what you want to protect.

02

Coverage Review

We review your current policies, property, and lifestyle to help identify gaps, overlaps, and changing insurance needs.

03

Your Coverage Plan

Together, we shape a plan around your priorities, with attention to coverage limits, deductibles, and the details that matter to you.

04

Compare and Place

We help you compare available options, understand the tradeoffs, and put your chosen coverage in place.

Protect the life you've built.

Bring your personal insurance together with coverage shaped around your family, your assets, and your plans.

Talk With Us Today →
news, events & articles

Actionable insights from trusted advisors

Minnesota home insurance: Why your wind and hail deductible just doubled

October 6, 2026
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When to file storm damage insurance claims

August 16, 2024
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Why flood insurance matters

August 16, 2024
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9855 West 78th St, Suite 100
Eden Prairie, MN 55344
(800) 923-4088

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