State Farm Insurance Agent in Roseville, Minnesota
Welcome to PJ Hangartner State Farm in Roseville, Minnesota. I opened my agency in May 2022 after more than 12 years of management experience. My licensed team and I help individuals, families, and small business owners understand their insurance options and make informed decisions based on their needs, priorities, and budget.
Our Roseville office can assist with auto and car insurance, homeowners insurance, condo insurance, renters insurance, life insurance, business insurance, personal articles policies, motorcycle insurance, boat insurance, recreational vehicle insurance, health insurance, pet medical insurance, personal liability umbrella policies, and other available State Farm products.
Customers often contact our team when they are purchasing a vehicle, adding a teen or household driver, buying a home, moving into an apartment, starting a small business, completing a home improvement, purchasing jewelry or other valuable property, or reviewing life insurance outside of work. We can help explain available coverage options, limits, deductibles, discounts, and ways eligible policies may work together.
Our office is located at 1751 County Road B W, Suite 330, Roseville, MN 55113. We serve customers throughout Minnesota, including Roseville, Arden Hills, Shoreview, New Brighton, Falcon Heights, St. Paul, Minneapolis, and other Twin Cities communities. I am also licensed in Wisconsin, South Dakota, and Iowa. Product availability and eligibility may vary by state.
Customers can connect with our team by phone, text, email, virtual appointment, or by visiting our Roseville office.
Our goal is to make insurance easier to understand. We take time to answer questions and explain available options so customers can make informed choices about their coverage. Whether you need a new quote, have experienced a change in your household, or would like to review your current policies, our team is here to help.
I am a graduate of Bethel University and enjoy being part of the Roseville community. Outside of the office, I enjoy coaching sports, playing baseball, hockey, and golf, working out, hiking, and spending time with my wife, Dani, and our two children.
If you are looking for a local State Farm insurance agent in Roseville, contact PJ Hangartner State Farm. Our team can help you request an auto, homeowners, renters, condo, life, business, or other insurance quote or schedule a coverage review.
Frequently Asked Questions
Q: Where is PJ Hangartner State Farm located, and what areas does the agency serve?
A: PJ Hangartner State Farm is located at 1751 County Road B W, Suite 330, Roseville, MN 55113. Our Roseville office helps customers throughout Minnesota, including Roseville, Arden Hills, Shoreview, New Brighton, Falcon Heights, St. Paul, Minneapolis, and other Twin Cities communities. I am also licensed in Wisconsin, South Dakota, and Iowa. Contact our office to confirm product availability for your location.
Q: What types of insurance does your Roseville office offer?
A: Our office can assist with State Farm auto insurance, homeowners insurance, condo insurance, renters insurance, life insurance, business insurance, personal articles policies, motorcycle insurance, boat insurance, recreational vehicle insurance, health insurance, pet medical insurance, and personal liability umbrella policies. Product availability, eligibility, coverage options, and discounts vary by state and individual circumstances.
Q: What information do I need to get an insurance quote?
A: The information needed depends on the type of insurance. For an auto insurance quote, helpful information may include the names and birth dates of household drivers, driver’s license information, vehicle year, make, model or VIN, garaging address, estimated use, and current insurance information. For a home, condo, or renters quote, we may need the property address, information about the home or apartment, the people living there, current coverage, and information about valuable personal property. Our team will explain what is needed for your specific quote.
Q: Can I combine my auto insurance with homeowners, condo, or renters insurance?
A: Many customers choose to have their auto insurance and home, condo, or renters insurance with the same company. Eligible customers may qualify for available multiline discounts. The amount of any discount depends on the policies, drivers, vehicles, property, state, and other eligibility requirements. Our team can prepare the available options so you can review the overall coverage and cost rather than comparing only one policy.
Q: What factors can affect the cost of insurance?
A: The cost of insurance is based on multiple factors that vary by product and state. These may include your location, drivers, driving history, claims history, annual mileage, type of vehicle, property information, coverage limits, deductibles, discounts, repair or rebuilding costs, and broader rate changes. Changes to a vehicle, driver, address, policy, discount, or payment arrangement may also affect the amount billed. Our team can review your account and explain the information shown on your policy and billing documents.
Q: What is the difference between liability, collision, and comprehensive auto insurance?
A: Liability coverage can help pay for covered injuries or property damage for which an insured is legally responsible, subject to the policy’s terms and limits. Collision coverage can help pay for covered damage to your vehicle caused by a collision with another vehicle or object. Comprehensive coverage can help pay for certain covered non-collision losses, such as theft, vandalism, hail, fire, falling objects, or hitting an animal. Collision and comprehensive coverage commonly have deductibles. Coverage availability and requirements vary by state, policy, vehicle, and financing agreement.
Q: What is an insurance deductible, and how do I choose one?
A: A deductible is the amount you are responsible for paying toward certain covered losses before an insurance payment applies. A higher deductible may lower the cost of the policy, but it also increases the amount you may need to pay after a covered loss. A lower deductible may cost more but reduce that potential out-of-pocket amount. When selecting a deductible, consider how much you could comfortably pay on short notice if you had a claim.
Q: What should I compare when reviewing homeowners, condo, or renters insurance?
A: Price is only one part of an insurance quote. It is also important to compare coverage limits, deductibles, personal property coverage, personal liability, additional living expenses, optional endorsements, exclusions, and how covered property may be valued after a loss. Homeowners may also want to ask about rebuilding cost, roof coverage, water backup, sump pumps, other structures, and home improvements. Coverage depends on the policy terms, endorsements, exclusions, and cause of loss.
Q: What is the difference between replacement cost and actual cash value?
A: Replacement cost generally refers to the cost of repairing or replacing covered property with property of similar kind and quality, subject to policy terms and limits. Actual cash value generally takes factors such as the age and condition of the property into account. A policy may apply different valuation methods to the home, roof, personal property, or other covered items. Our team can help explain the valuation method included in an insurance quote or existing policy.
Q: Do I need renters insurance if my landlord already has insurance?
A: A landlord’s insurance generally protects the building and the property owner’s interests. It does not ordinarily replace a tenant’s renters insurance for personal belongings, personal liability, or certain additional living expenses after a covered loss. Renters insurance may help cover items such as furniture, clothing, electronics, and other belongings, subject to the policy’s coverage limits, deductible, terms, and exclusions.
Q: Does homeowners or renters insurance cover jewelry and other valuable property?
A: Homeowners, condo, and renters policies may provide some coverage for jewelry, collectibles, electronics, sporting equipment, and other personal property. However, special limits or restrictions may apply to certain property or types of loss. A personal articles policy may offer additional coverage for eligible valuable items. An appraisal, receipt, photograph, or other documentation may be needed. Contact our office to review valuable items and the available coverage options.
Q: When should I review my insurance coverage?
A: Reviewing your insurance regularly can help confirm that your policies still reflect your household and property. Important times to request a review include buying or selling a vehicle, adding a driver, moving, purchasing or renovating a home, getting married, having a child, changing jobs, starting a business, purchasing valuable property, approaching retirement, or experiencing a significant change in income. Even when there has not been a major change, an annual insurance review can be helpful.
Q: What should I consider if I already have life insurance through work?
A: Workplace life insurance is one source of coverage, but the amount and availability may depend on your employer and employment status. When reviewing whether additional life insurance may be appropriate, consider household income, debts, housing costs, dependents, education goals, existing savings, and long-term financial responsibilities. Available coverage and cost are subject to underwriting, eligibility, and policy terms.
Q: What is a personal liability umbrella policy?
A: A personal liability umbrella policy can provide additional liability coverage above the applicable limits of underlying policies such as auto, homeowners, renters, or boat insurance. It may help with certain covered liability claims and legal defense costs when the underlying policy limit has been reached. Umbrella policies have eligibility requirements and generally require specific underlying coverage limits. Our team can help you review whether this type of additional liability coverage may fit your household.
