Reasons Insurance is an independent insurance agency based in New Brighton, Minnesota, licensed in 23 states and growing. Our office is at 2722 Hwy 694 Service Dr #205, New Brighton, MN 55112.
We work from one belief: insurance only works when you understand it. Most people buy insurance under pressure. It might be a new mortgage, a renewal that went up, or a business that needs a certificate before the job starts. Pressure makes it easy to take the first number that comes back without knowing what it actually covers. We work differently.
Because we are independent, we are not limited to one insurance company. We compare available options from many carriers and explain the real differences before anyone asks you to decide. Reasons Insurance is also a member of Atlas Insurance Brokers, which extends our carrier relationships and market resources. Carrier availability, appetite, pricing and underwriting can change, so we explain why one company may fit your situation better than another, not just what each one costs.
See the carriers we work with.
Our standard is "better-fit conversations, properly handled." That does not mean every carrier will offer terms or every policy will fit. It means the process is handled with care, clarity and judgment. Read how we work.
Most clients work with the Reasons Insurance team, not only with John. That is intentional. Coverage questions, quote requests, certificates, renewals and service needs go to the right person instead of waiting behind one owner's calendar.
We help households with home, auto, renters, life, umbrella, boat, motorcycle and RV insurance. We help businesses with general liability, commercial auto, workers compensation, property, umbrella, professional liability, cyber, garage insurance and surety bonds. We also serve industry specialties including auto dealers, contractors, retail, HOAs, restaurants and tobacco shops.
If you already know what you need, request a quote comparison. If something changed, your renewal jumped, or you're not sure what matters, start with a coverage review. Current clients can call, email or log in to MyReasons for documents, certificates and renewal support.
Call (651) 636-6911 or start a Coverage Review.