Where we serve
Insurance for the whole Twin Cities metro.
Bernauer Insurance Agency is an independent, family-owned insurance agency serving the Twin Cities metro from two offices, one in Northeast Minneapolis and one in Lakeville. The family story is on our About page.
We group the metro the way people here give directions. Which number you start with follows the county line: Dakota and Scott counties start with Pat, and the rest of the metro starts with Spencer. It decides who picks up first, not who’s allowed to help you.
Written by Spencer Bernauer, licensed Minnesota insurance agent (NPN 18100632) · Updated
Northeast Minneapolis office
Minneapolis, St. Paul & the west, north and east metro: start with Spencer
Spencer Bernauer runs the Northeast Minneapolis office. Six of the seven areas below start with him, taking in Hennepin, Ramsey, Anoka and Washington counties and a few towns just past them. He answers his own phone.
Minneapolis, Saint Paul and the inner ring
- Minneapolis
- Saint Paul
- Bloomington
- Columbia Heights
- Falcon Heights
- Golden Valley
- Hilltop
- Lauderdale
- Richfield
- Robbinsdale
- Roseville
- St. Anthony
- St. Louis Park
North metro
- Andover
- Anoka
- Blaine
- Brooklyn Center
- Brooklyn Park
- Centerville
- Champlin
- Circle Pines
- Coon Rapids
- East Bethel
- Fridley
- Ham Lake
- Lexington
- Lino Lakes
- Mounds View
- Nowthen
- Oak Grove
- Ramsey
- Spring Lake Park
- St. Francis
Northeast metro
- Arden Hills
- Birchwood Village
- Columbus
- Dellwood
- Forest Lake
- Gem Lake
- Grant
- Hugo
- Little Canada
- Mahtomedi
- Maplewood
- New Brighton
- North Oaks
- North St. Paul
- Oakdale
- Pine Springs
- Scandia
- Shoreview
- Vadnais Heights
- White Bear Lake
- White Bear Township
- Willernie
Northwest metro
- Albertville
- Corcoran
- Crystal
- Dayton
- Elk River
- Greenfield
- Hanover
- Loretto
- Maple Grove
- Medina
- New Hope
- Osseo
- Otsego
- Plymouth
- Rockford
- Rogers
- St. Michael
West metro
- Chanhassen
- Chaska
- Deephaven
- Delano
- Eden Prairie
- Edina
- Excelsior
- Greenwood
- Hopkins
- Independence
- Long Lake
- Maple Plain
- Medicine Lake
- Minnetonka
- Minnetonka Beach
- Minnetrista
- Mound
- Orono
- Shorewood
- Spring Park
- St. Bonifacius
- Tonka Bay
- Victoria
- Waconia
- Watertown
- Wayzata
- Woodland
East metro
- Afton
- Bayport
- Cottage Grove
- Lake Elmo
- Lake St. Croix Beach
- Lakeland
- Landfall
- Marine on St. Croix
- Newport
- Oak Park Heights
- St. Marys Point
- St. Paul Park
- Stillwater
- Woodbury
Lakeville office
South metro: start with Pat
Pat Bernauer runs the Lakeville office. The south metro starts with him. That’s Dakota and Scott counties, plus a couple of towns that straddle the county line. He still answers the phone himself.
South metro
- Apple Valley
- Belle Plaine
- Burnsville
- Credit River
- Eagan
- Elko New Market
- Farmington
- Hastings
- Inver Grove Heights
- Jordan
- Lakeville
- Lilydale
- Mendota Heights
- New Prague
- Northfield
- Prior Lake
- Rosemount
- Savage
- Shakopee
- South St. Paul
- Sunfish Lake
- West St. Paul
How it works, wherever you live
We’re independent, so we compare carriers instead of selling one company’s policy.
Stuck on a MNsure application? Start at MNsure help, or call Spencer.
Quotes and paperwork happen by phone, email or video, weekdays 8:30 to 5. Saturdays and in-person meetings are by appointment. No charge for the conversation.
Questions about where we work
Which number should I call first?
If you live in Dakota or Scott County, start with Pat at the Lakeville office, 952-457-5894. Anywhere else in the metro, start with Spencer at the Northeast Minneapolis office, 952-956-2502. For MNsure help, home, renters, auto, umbrella or commercial insurance, call Spencer wherever you live. Call the other one by mistake and you’ll be passed along, not sent back to the start.
Can I work with whichever of you I already know?
Yes. The county line only decides who picks up first. If you already know Pat or Spencer, keep calling the one you know, wherever you live. For the lines that start with Spencer, Pat will bring him in.
My town isn’t on the list. Can you still help?
Almost always. The lists cover the Twin Cities metro, but our license covers all 87 Minnesota counties. Which carriers we can shop varies a little by address. Outside the metro, call either of us. Pat and Spencer share the calls from Greater Minnesota.
What happens to my policies if I move across the metro?
You keep us as your agency. Tell us the new address before you move. A new house needs its own homeowners policy, and where a car is parked overnight can change the auto rate, so a move is a good time to compare carriers again.