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🛡️ Family-Owned · Independent Agency

Your Trusted
Insurance
Partner

Compare rates from 10+ top carriers, customize your coverage, and protect what matters most — your family, home, and business.

📞
24/7Support & Guidance
Agent photo
🏠 Home
🚗 Auto
❤️ Life
🏢 Business
🏘️ Renters

Insurance Coverage Options

Tailored plans to meet your needs — pick the one that suits you!

Basic Coverage

Essential protection for your peace of mind at an affordable price.

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👑

Premium Coverage

Comprehensive coverage with exclusive benefits for total security and peace of mind.

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⚙️

Custom Coverage

Build your own plan — choose the features and carriers that matter most to you.

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Our Client Reviews

Discover why our clients love working with us

AA
Ana Aguilar
5 Star Review

"I had such a great experience with Emerald Insurance Partners! Jackie took the time to explain everything clearly, answered all my questions, and made sure I understood my options. She found me the best coverage at an affordable price, and I felt like she truly cared about helping me and my family. I highly recommend this agency if you want someone local, professional, and trustworthy!"

★★★★★
DP
Daniel Perez
5 Star Review

"I can’t express enough how Emerald Insurance Partners have helped me with navigating auto insurance and my homeowners insurance. Jackie has been great, detailed and has educated me on the process of insurance. Her customer service is top notch; she will answer any time of day any day of the week making the insurance experience smooth and stress free!"

★★★★★
SV
Steve Vasquez
5 Star Review

"Huge shout out to Emerald Insurance Partners for the swift and easy process on getting me insured and saving money!!! Definitely recommend and appreciate their business 10/10."

★★★★★
TR
Tim Roop
5 Star Review

"Can't beat the prices."

★★★★★

Get A Free Quote Now

Quick, simple, and hassle-free — we'll compare top carriers for you!

Our Insurance Services

As an independent agency, we work for you — comparing rates across 10+ top carriers to find the best fit for your unique situation.

Independent Means We Work For You

Unlike captive agents who represent only one company, we partner with multiple top-rated carriers. That means more choices, better rates, and coverage truly tailored to your life.

Led by Jackie Claros, our family-owned agency is built on trust, transparency, and personalized service for every client.

10+
Top-Rated Carriers
24/7
Support Available
100%
Independent Agency
Fast
Same-Day Quotes

Everything You Need, Under One Roof

Click any service to learn more or get a quote

🚗

Auto Insurance

Comprehensive, collision, and liability coverage for your vehicles. We compare Progressive, GEICO, Travelers, Dairyland, The General, and more to find your best rate.

  • Liability & collision coverage
  • Comprehensive protection
  • Non-standard / SR-22 available
  • Multi-car discounts
  • Roadside assistance options
🏠

Home Insurance

Protect your home and belongings with homeowner's policies from Travelers, The Hartford, Universal Property Insurance, National General, and other top carriers.

  • Dwelling & structure coverage
  • Personal property protection
  • Liability coverage
  • Loss of use coverage
  • Bundle discounts with auto
🏘️

Renters Insurance

Affordable protection for your personal belongings and liability coverage. Great for apartment dwellers and renters who want peace of mind without breaking the bank.

  • Personal property coverage
  • Liability protection
  • Temporary living expenses
  • Very affordable premiums
  • Bundle with auto for savings
💼

Business Insurance

Comprehensive commercial coverage to safeguard your company's assets, employees, and operations. We work with carriers who specialize in small and mid-size businesses.

  • General liability coverage
  • Commercial property
  • Business owner's policy (BOP)
  • Workers' compensation
  • Commercial auto available

Why Emerald Insurance Partners?

We bring the market to you — saving you time, money, and stress

🔍

We Shop For You

We compare rates across 10+ top carriers in minutes so you don't have to make dozens of calls.

❤️

Personal Service

You're not a policy number here. Jackie personally handles every client with care and attention.

💡

Honest Guidance

We explain your options in plain English — no jargon, no pressure. Just clear, honest advice.

Our Insurance Carriers

We partner with the nation's leading insurance companies — so you always get the best coverage at the most competitive price.

More Carriers = More Savings For You

As an independent agency, we're not tied to one company. We shop your coverage across all of our carrier partners to find the best match for your needs and budget.

Progressive logo

Progressive

AutoCommercialMotorcycle

One of the nation's largest auto insurers, known for competitive rates and flexible coverage options.

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National General logo

National General

AutoHomeRV

Flexible coverage options for standard and non-standard drivers, plus home and specialty vehicle policies.

Learn More →
Travelers logo

Travelers

AutoHomeBusiness

A Fortune 500 insurer with top-rated financial strength offering auto, home, and commercial coverage nationwide.

Learn More →
GEICO logo

GEICO

AutoRentersHomeowners

Nationally recognized for competitive auto insurance rates with strong customer service and digital tools.

Learn More →
The Hartford logo

The Hartford

BusinessAutoHome

Specializes in small business and commercial insurance, plus personal auto and home coverage.

Learn More →
Dairyland logo

Dairyland

Non-Standard AutoMotorcycleSR-22

Specializes in coverage for drivers who need SR-22, have had violations, or were previously uninsured.

Learn More →
The General logo

The General

Non-Standard AutoSR-22

A trusted option for drivers with less-than-perfect records. Affordable rates with fast, easy quoting.

Learn More →
Universal Property logo

Universal Property

HomeownersRentersCondo

A leading home insurance provider offering comprehensive dwelling, property, and liability protection.

Learn More →

Our Commitment to Finding You the Best Rate

When you come to Emerald Insurance Partners, we don't just quote one carrier and call it a day. We run your information through our entire carrier network to ensure you're getting the most competitive rate available.

And because we're independent, our loyalty is always to you — not to any insurance company.

  • Compare rates across all carrier partners simultaneously
  • Match you with carriers that specialize in your situation
  • Look for every available discount and bundling opportunity
  • Re-shop your coverage at each renewal
  • Stay with you through claims and policy changes

At a Glance

Carrier Partners10+
Coverage TypesAuto, Home, Renters, Business
Quote TurnaroundSame Day
Agency Type100% Independent
Support Hours24/7

Frequently Asked Questions

Everything you need to know about working with Emerald Insurance Partners.

Categories

📋 General
🚗 Auto
🏠 Home & Renters
💼 Business
📞 Claims

Still have questions?

Our team is available 24/7 to help you find the right coverage.

General Questions

What is an independent insurance agency?
An independent agency like Emerald Insurance Partners represents multiple insurance carriers rather than just one. This means we can shop your coverage across many companies to find you the best rate and coverage — instead of being limited to a single carrier's offerings.
What types of insurance do you offer?
We offer auto, home, renters, and business insurance. We work with 10+ top-rated carriers including Progressive, Travelers, GEICO, The Hartford, National General, Dairyland, The General, Universal Property Insurance, and more.
How long does it take to get a quote?
Most quotes are ready same-day, often within minutes. For auto insurance, having your VIN number handy speeds things up. We'll walk you through all your options clearly and honestly — no pressure.
Can I bundle multiple types of insurance?
Absolutely — and bundling often saves you significant money. Many carriers offer multi-policy discounts when you combine auto and home, or auto and renters. We always look for bundling opportunities when shopping your coverage.
Is there a cost to get a quote?
No — quotes are completely free and there's no obligation to purchase. We believe in earning your business through great service and competitive rates, not by locking you into anything.

About Emerald Insurance Partners

A family-owned agency built on trust, transparency, and a genuine commitment to protecting our community.

Agent photo
24/7 Always Available

Real People.
Real Protection.

At Emerald Insurance Partners, we believe in building lasting relationships through trust, transparency, and personalized service. As a family-owned agency, my mission is to protect what matters most — your family, your business, and your peace of mind.

Inspired by my two sons and supportive husband, I started this agency because I saw firsthand how confusing and impersonal insurance can feel. I wanted to create a place where people actually get answers, where they feel heard, and where they know someone is genuinely looking out for them.

With deep roots in the community, we're passionate about serving our neighbors and providing tailored insurance solutions to meet your unique needs. Together, we're here to navigate life's uncertainties and build a stronger, safer community.

Jackie Claros
Agency Owner & Lead Agent

Our Core Values

Every decision we make comes back to these principles

🤝

Trust

We say what we mean and mean what we say. Our clients trust us because we've earned it through consistent, honest service.

💡

Transparency

No hidden fees, no confusing jargon. We explain your options in plain language so you can make informed decisions.

❤️

Community

We're not just an agency — we're your neighbors. We're invested in the well-being of the community we serve.

🎯

Personalization

Every client has a unique situation. We take the time to understand yours and find coverage that truly fits.

Responsiveness

We respond fast because your time matters. Same-day quotes and 24/7 support are our standard, not an exception.

🛡️

Advocacy

When you have a claim, we go to bat for you. We're in your corner every step of the way.

Meet Your Agent

Dedicated to protecting what matters most to you

Jackie Claros
Jackie Claros
AGENCY OWNER & LEAD AGENT

Licensed insurance professional and community advocate. Jackie founded Emerald Insurance Partners to bring personalized, honest insurance service to families and businesses. She is committed to making coverage simple, affordable, and stress-free for every client.

Ready to Get Protected?

Reach out any way that's convenient — we respond fast

📞

Office

320-262-3205
Call us for immediate assistance.

💬

Text

320-737-8465
Quick questions? Send us a text.

✉️

Email

Jackie@emeraldinsurancepartners.com
We'll respond within 24 hours.

💬

Free Quote Form

Fill out our quick quote form and we'll compare rates across all our carriers for you.

Progressive Insurance

One of America's largest auto insurers — competitive rates, flexible coverage, innovative tools.

AutoCommercialMotorcycleBoatRV

📋 About Progressive

Progressive is one of the largest auto insurance companies in the United States, serving millions of drivers across all 50 states. Founded in 1937, Progressive is well known for its innovative approach to insurance, including usage-based policies and the Snapshot® program that rewards safe drivers.

As your independent agent, Emerald Insurance Partners can access Progressive's full product lineup and compare it against other carriers to make sure you're getting the best deal for your specific situation.

🛡️ Coverage Options Available

Liability Coverage
Collision Coverage
Comprehensive Coverage
Uninsured Motorist
Medical Payments
Roadside Assistance
Rental Car Reimbursement
Gap Insurance
Commercial Auto
Motorcycle & Boat

⭐ Why We Work With Progressive

Highly competitive rates for most driver profiles
Snapshot® program rewards safe drivers with discounts
Name Your Price® tool for budget-conscious customers
Strong mobile app and online account management
Great option for multi-vehicle households
Covers a wide range of vehicle types including motorcycles, RVs, and boats

Get a Progressive Quote

We'll compare Progressive against our other carriers to find your best rate.

Quick Facts

Founded1937
HeadquartersMayfield Village, OH
AM Best RatingA+ (Superior)
CoverageAll 50 States
Best ForAuto & Multi-vehicle

Other Carriers

Travelers Insurance

A Fortune 500 insurer with over 165 years of experience — reliable, comprehensive, and widely trusted.

AutoHomeBusinessRentersUmbrella

📋 About Travelers

Travelers is one of the oldest and most financially stable insurance companies in the United States, with roots going back to 1853. As a Fortune 500 company, Travelers offers a wide array of personal and commercial insurance products backed by exceptional financial strength.

Travelers is particularly well-regarded for its home insurance products and business coverage, making them a go-to option for clients who want comprehensive protection from a carrier with a long track record of paying claims.

🛡️ Coverage Options Available

Auto Insurance
Homeowners Insurance
Renters Insurance
Condo Insurance
Umbrella Coverage
Business Owner's Policy
General Liability
Workers' Compensation
Commercial Property
Flood Insurance

⭐ Why We Work With Travelers

One of the highest AM Best financial strength ratings in the industry
Excellent bundling discounts for auto + home
Highly rated for home and commercial insurance
Strong claims handling reputation
Wide variety of coverage options and add-ons
Ideal for homeowners and small business owners

Get a Travelers Quote

Let us compare Travelers against other top carriers for your best rate.

Quick Facts

Founded1853
HeadquartersNew York, NY
AM Best RatingA++ (Superior)
CoverageAll 50 States
Best ForHome & Business

Other Carriers

GEICO

Nationally recognized for competitive auto rates, excellent digital tools, and straightforward coverage.

AutoRentersHomeownersMotorcycle

📋 About GEICO

GEICO (Government Employees Insurance Company) was founded in 1936 and has grown to become one of the largest auto insurance providers in the country. Known for its memorable advertising and competitive pricing, GEICO serves over 28 million vehicles nationwide.

GEICO is a strong option for drivers who want straightforward, affordable auto coverage backed by a well-established company with solid digital tools and customer service.

🛡️ Coverage Options Available

Auto Liability
Collision & Comprehensive
Uninsured Motorist
Medical Payments
Roadside Assistance
Rental Reimbursement
Renters Insurance
Homeowners Insurance
Motorcycle Insurance
Mechanical Breakdown

⭐ Why We Work With GEICO

Consistently competitive auto insurance rates
Highly rated mobile app for policy management
Wide availability across all 50 states
Multi-policy discounts available
Strong financial stability and claims handling
Good option for renters looking to bundle with auto

Get a GEICO Quote

We'll compare GEICO's rates alongside our other carriers to find your best option.

Quick Facts

Founded1936
HeadquartersChevy Chase, MD
AM Best RatingA++ (Superior)
CoverageAll 50 States
Best ForAuto & Renters

Other Carriers

The Hartford

Over 200 years of financial strength — a top choice for small business owners and commercial coverage.

BusinessAutoHomeWorkers' CompUmbrella

📋 About The Hartford

The Hartford has been in business for over 200 years, making it one of the oldest and most trusted insurance companies in America. The Hartford is particularly well-known for its small business insurance products and its partnership with AARP for auto and home coverage.

For small business owners, The Hartford offers some of the most comprehensive commercial coverage available, with customizable policies that can grow as your business grows.

🛡️ Coverage Options Available

Business Owner's Policy
General Liability
Workers' Compensation
Commercial Property
Commercial Auto
Professional Liability
Personal Auto
Homeowners Insurance
Umbrella Coverage
Cyber Liability

⭐ Why We Work With The Hartford

Over 200 years of financial stability and claims experience
#1 choice for small business insurance among many independent agents
Customizable commercial policies for virtually any industry
Excellent workers' compensation coverage
Strong auto and home products for personal lines
Responsive claims team with dedicated support

Get a Hartford Quote

Especially great for business owners — let us find your best commercial rate.

Quick Facts

Founded1810
HeadquartersHartford, CT
AM Best RatingA+ (Superior)
CoverageAll 50 States
Best ForSmall Business

Other Carriers

National General

Flexible auto and home coverage for standard and non-standard drivers — plus specialty vehicle options.

AutoHomeRVMotorcycleNon-Standard

📋 About National General

National General Insurance (now part of Allstate) offers flexible and affordable insurance options for a wide range of drivers and homeowners. They're particularly known for their ability to insure drivers who may have trouble getting coverage elsewhere, including those with prior violations or gaps in coverage.

National General is also a great choice for RV owners, motorcycle riders, and anyone looking for specialty vehicle coverage alongside their standard auto policy.

🛡️ Coverage Options Available

Standard Auto
Non-Standard Auto
Homeowners Insurance
Renters Insurance
RV & Motorhome
Motorcycle Insurance
SR-22 Filings
Roadside Assistance

⭐ Why We Work With National General

Insures drivers who may be declined elsewhere
Competitive rates for both standard and non-standard drivers
Excellent RV and specialty vehicle coverage
Bundling discounts for auto + home
SR-22 filings handled quickly
Part of the Allstate family — strong financial backing

Get a National General Quote

Great for all driver types — let us find you the best rate today.

Quick Facts

Founded1939
HeadquartersWinston-Salem, NC
AM Best RatingA (Excellent)
CoverageAll 50 States
Best ForAuto & RV

Other Carriers

Dairyland Insurance

Specialized coverage for non-standard drivers, SR-22 filers, and motorcycle riders — everyone deserves protection.

Non-Standard AutoSR-22MotorcycleScooter

📋 About Dairyland

Dairyland Insurance has been providing non-standard auto and motorcycle insurance since 1953. They specialize in covering drivers who have been turned down by other carriers — including those with prior accidents, violations, DUIs, or lapses in coverage.

Dairyland is one of our top recommendations for clients who need SR-22 certificates, have a less-than-perfect driving history, or are looking for affordable motorcycle coverage.

🛡️ Coverage Options Available

Non-Standard Auto
SR-22 & FR-44 Filings
Motorcycle Insurance
Scooter Insurance
Liability Coverage
Collision & Comprehensive
Uninsured Motorist
Medical Payments

⭐ Why We Work With Dairyland

Specializes in hard-to-insure drivers — no judgment
Fast SR-22 and FR-44 filing process
Affordable motorcycle insurance with strong coverage options
Flexible payment plans to fit any budget
Available in most states nationwide
Part of Sentry Insurance Group — solid financial backing

Get a Dairyland Quote

Tough driving history? No problem. We'll get you covered fast.

Quick Facts

Founded1953
HeadquartersStevens Point, WI
AM Best RatingA (Excellent)
SpecialtyNon-Standard / SR-22
Best ForHigh-Risk Drivers

Other Carriers

The General

Affordable auto insurance for drivers with less-than-perfect records — fast quotes, flexible plans.

Non-Standard AutoSR-22High-RiskLiability

📋 About The General

The General Automobile Insurance Services has been providing affordable auto insurance since 1963. They are one of the most recognized names in non-standard auto insurance, specifically helping drivers who struggle to find coverage due to their driving history, prior lapses, or other factors.

The General makes the quoting and binding process fast and straightforward, so drivers can get the coverage they need without a lot of hassle.

🛡️ Coverage Options Available

Liability Insurance
Collision Coverage
Comprehensive Coverage
SR-22 Certificates
Uninsured Motorist
Medical Payments
Roadside Assistance
Rental Reimbursement

⭐ Why We Work With The General

Accepts drivers with tickets, accidents, and DUIs
Quick SR-22 filings for drivers who need them fast
Flexible down payment and monthly payment options
No credit check required for many policies
Fast, simple quoting process
Available in most states across the country

Get a General Quote

Bad driving record? We'll still find you quality, affordable coverage.

Quick Facts

Founded1963
HeadquartersNashville, TN
SpecialtyNon-Standard Auto
SR-22Yes
Best ForHigh-Risk Drivers

Other Carriers

Universal Property Insurance

Comprehensive home, renters, and condo coverage — protecting Florida and beyond with reliable property insurance.

HomeownersRentersCondoDwelling Fire

📋 About Universal Property

Universal Property & Casualty Insurance Company is one of the largest writers of homeowners insurance in the United States, with particular strength in high-risk coastal and southeastern markets. They provide comprehensive property insurance solutions for homeowners, renters, and condo owners.

Universal Property is known for their competitive pricing on home insurance and their ability to cover properties in markets where other carriers may be more restrictive.

🛡️ Coverage Options Available

Homeowners Insurance
Renters Insurance
Condo Insurance
Dwelling Fire Policy
Personal Property
Liability Protection
Loss of Use Coverage
Additional Structures

⭐ Why We Work With Universal Property

Competitive rates on homeowners and renters insurance
Strong coverage in markets other carriers avoid
Comprehensive condo and dwelling fire options
Flexible coverage limits to fit your budget
Fast claims processing and dedicated support
Excellent option for first-time homebuyers

Get a Universal Property Quote

Looking for home or renters coverage? We'll find your best rate fast.

Quick Facts

Founded1997
HeadquartersFort Lauderdale, FL
AM Best RatingA (Excellent)
SpecialtyProperty Insurance
Best ForHome & Renters

Other Carriers

Privacy Policy

Effective Date: April 25, 2026  ·  Last Updated: April 25, 2026

At Emerald Insurance Partners, we value your privacy. This Privacy Policy explains how we collect, use, and protect your personal information when you visit our website at emeraldinsurancepartners.com and use our insurance quoting services.

1 Information We Collect

To provide accurate insurance quotes, we collect personal information you voluntarily provide through our forms, including:

Contact Information
Name, email address, mailing address, and phone number.
Quote Information
Specific details required for insurance underwriting, such as vehicle information (VIN), home details, and existing coverage info.
Communication Preferences
Your preference for being contacted via phone, email, or SMS.

2 How We Use Your Information

We use the information we collect to:

Process and provide insurance quotes from our 10+ partner carriers.
Respond to your inquiries and provide customer support.
Notify you about policy updates or new insurance options.
Comply with legal and regulatory requirements.

3 Information Sharing

As an independent insurance agency, we do not "sell" your data to third-party marketers. However, we share your information with:

Insurance Carriers
To obtain quotes and bind coverage, we share your data with companies like Progressive, Travelers, GEICO, and others.
Service Providers
Third parties who help us operate our website or manage our communications (e.g., email or SMS platforms).
Legal Necessity
If required by law, subpoena, or to protect the safety and rights of our agency and clients.

4 SMS & Text Messaging

By providing your phone number and opting in, you consent to receive text messages from Emerald Insurance Partners regarding your quotes or policies.

Opt-Out
You can reply "STOP" at any time to cancel text messages.
Privacy
Mobile information will not be shared with third parties or affiliates for marketing or promotional purposes.

5 Data Security

We implement industry-standard security measures, including encryption and secure hosting, to protect your sensitive information from unauthorized access. However, no method of transmission over the internet is 100% secure.

6 Cookies & Tracking

Our website may use cookies to improve your browsing experience and analyze site traffic. You can choose to disable cookies through your browser settings, though some features of the site may not function properly.

7 Children's Privacy

Our services are not directed to individuals under the age of 13, and we do not knowingly collect personal information from children.

8 Contact Us

If you have any questions about this Privacy Policy or how your data is handled, please contact us:

Phone
320-262-3205
Email
Jackie@emeraldinsurancepartners.com
Address
Montevideo, MN