Two generations. Pat and Spencer work together.Two generations. One agency. Pat and Spencer work together.
Northeast MinneapolisLakevilleSince 1986
Family-owned and independent since 1986, licensed in all 87 counties: health and Medicare, home and auto, life and business. Pat or Spencer reads every request.
4.9 on Google · 27 reviews
A few of our Google reviews, quoted as written. Names are the ones the reviewers chose to show.
Rating and count as of .
“I worked with Spencer and it was a great experience. He was very professional and responsive and genuinely seemed to care about helping me and my family out with health insurance.”
“We have been working with the Bernauer Agency for over 20 years. Pat has always been just a phone call away and able to help with anything that I need answers to.”
“Pat Bernauer is a great insurance agent. He is caring, helpful and checks in yearly to see if we need to discuss or change anything.”
All of Minnesota, since 1986
Two offices — Northeast Minneapolis and Lakeville — and a license that covers the entire state. Pat and Spencer cover both, so you'll know exactly who you're calling.
Lakeville
The south metro.
Lakeville, MN 55044The main office, and the one Pat answers from. Lakeville, Farmington, Apple Valley, Burnsville, Rosemount, Eagan, Prior Lake, Savage, Elko New Market and Northfield are all close by, and Dakota, Scott and Rice counties are home to a large share of our clients.
Pat · 952-457-5894Insurance in Lakeville →Northeast Minneapolis
Nordeast, if you are from here.
Minneapolis, MN 55413Older houses, street parking, and a lot of renters and self-employed people — that is Spencer's side of the agency.
Spencer · 952-956-2502Insurance in Northeast Minneapolis →We cover the entire state of Minnesota. Most of our clients are in Dakota, Hennepin, Scott, Ramsey and Rice counties, but the license covers all 87 — Duluth, Rochester, St. Cloud and Moorhead included. See every town we cover.
Pat and Spencer Bernauer
One family, two offices, ten lines of insurance. You deal with one of the two of them directly, every time.
Founder · Since 1986
Lakeville office
Second generation · Minneapolis
Northeast Minneapolis office
Pat Bernauer
Founder · Serving Minnesota since 1986
I started this agency in 1986, and I still answer the phone myself.
A lot has changed in 40 years. What hasn't is how we work. We're a small office and we're independent, which means we shop your coverage across a number of companies instead of selling you whatever one carrier wants us to move that month. If something isn't worth buying, I'll tell you that too — I'd rather keep a client for twenty years than win one sale.
My son Spencer works with me now, which makes this a second-generation agency — and between us we handle health and Medicare, home and auto, life, and commercial coverage for families and businesses across the whole state of Minnesota. Our offices are in the south metro and Northeast Minneapolis, but we're licensed statewide — you don't have to live down the road from us. You'll deal with one of us directly, every time — no call center, no getting passed around, and you won't have to explain your situation twice.
If you're not sure what you need, just call me. That conversation is free and there's nothing you have to buy at the end of it.
Pat Bernauer
952-457-5894The Minnesota year
What comes up each season, and what to have in order before it does.
Spring and summer
The claims that actually happen here. How your policy handles roof damage matters enormously — a replacement-cost roof and an actual-cash-value one can differ by tens of thousands of dollars on the same claim. On a car, hail is a comprehensive question, not a collision one.
Fall
Medicare Annual Enrollment runs October 15 to December 7. MNsure opens November 1 and runs to January 15 — enroll by December 15 for coverage on January 1.
Winter
Ice dam damage is usually covered as a sudden water event, not the seepage that follows and not the fix itself — worth knowing where your policy lands before February. Boats, snowmobiles, ATVs and campers: where they are stored over winter matters more than people expect, and often lowers the rate.
Send us what you have, or call. Either way it's Pat or Spencer at the other end, and there's no charge for the conversation.
