Business Details
50+ Years
experience
Your Trusted Insurance Partner in Owatonna, MN
Heinz Insurance has served Owatonna, MN since 1941 as the area's oldest locally owned independent insurance agency. Our team of licensed professionals specializes in delivering personalized insurance solutions for both personal and commercial needs. With over eight decades of experience, we represent more than a dozen top-rated insurance providers to offer competitive rates and comprehensive coverage options.Our commitment to one-on-one client relationships ensures tailored policies that meet individual budgets and protection requirements. We provide seamless service across auto, home, farm, business, life, health, and specialty insurance lines while maintaining our reputation as trusted local advisors in risk management.
Services
Auto Insurance
Homeowners Insurance
Renters Insurance
Farm Insurance
Business Insurance
Life Insurance
Health Insurance
Flood Insurance
Umbrella Insurance
Bonding Services
Details
- Year established: 1941
Highlights and features
- Established in 1941 with deep local insurance expertise
- Represents over a dozen top-rated insurance providers
- Personalized policy recommendations from experienced agents
- Specialized coverage for unique needs like farm equipment
- Local decision-making without corporate bureaucracy
What people say
Experienced agents
Competitive rates
Prompt service
Local expertise
Tailored solutions
Services
Auto Insurance
Our auto insurance policies protect vehicles and drivers with customizable coverage options. We offer liability, collision, and comprehensive protection for cars, trucks, and motorcycles. Policies include roadside assistance and accident forgiveness features while maintaining competitive pricing for new drivers and multi-vehicle households.
Homeowners Insurance
We provide comprehensive homeowners insurance covering structural damage, personal belongings, and liability protection. Our policies include coverage for natural disasters, theft, and personal injury claims. Agents help determine appropriate coverage amounts based on property value and individual risk factors while offering discounts for safety features.
Farm Insurance
Specialized farm insurance protects agricultural operations with coverage for equipment, livestock, and crop-related risks. Policies include combine rock ingestion protection, livestock suffocation coverage, and milk contamination insurance. We serve small hobby farms up to large commercial operations with customized risk management solutions.
Business Insurance
Our commercial insurance packages protect businesses with liability coverage, property protection, and workers' compensation. Policies include general liability, professional liability, and business interruption insurance. We serve entrepreneurs and multi-state corporations with tailored solutions through top-rated carriers while offering safety consultation services.
Life Insurance
We offer term and whole life insurance policies to protect families financially in case of unexpected death. Policies help cover mortgage payments, college expenses, and debt obligations. Our agents explain policy options starting at $100 annually for $100,000 coverage while emphasizing the importance of early planning for long-term financial security.
People
David Otterson
President/Owner
David Otterson, CIC, leads Heinz Insurance with over 30 years of industry experience. He ensures personalized service while maintaining the agency's commitment to local customers since joining in 1990.
Tyler Firme
Agent
Tyler Firme, AIC, provides expert insurance solutions with specialized knowledge in personal and commercial lines. He serves clients since 2015, focusing on finding optimal coverage options for unique insurance needs.
Colleen Waugh
Personal Lines Manager
Colleen Waugh, CISR, manages personal insurance lines with attention to detail. She has served the agency since 2002, helping clients understand policy details and select appropriate coverage levels for their protection needs.
Jennifer Fisher
Commercial Lines Manager
Jennifer Fisher specializes in commercial insurance solutions, helping businesses manage risk since 2010. She develops customized protection plans for companies of all sizes while maintaining relationships with top-rated insurance carriers.
Debra Rosecke
Office Manager
Debra Rosecke oversees daily operations with over 25 years of insurance industry experience. She ensures smooth policy administration and client communication while maintaining the agency's high service standards since 2005.
Questions
What types of insurance do you offer?
We offer auto, home, farm, business, life, health, renters, flood, umbrella, and bonding insurance for personal and commercial clients in Southern Minnesota.
Why use an independent insurance agency?
As an independent agency, we represent multiple insurance companies to find you the best coverage at competitive rates without being tied to any single provider.
How do I file an insurance claim?
Contact our office directly at 507-451-9252 or visit our website to report claims. Our agents will guide you through the process and coordinate with insurance carriers for timely resolution.
Do you offer online policy management?
Yes, we provide online access for policy documents, payment options, and claims reporting through our secure client portal available on our website.
What areas do you serve?
We primarily serve Owatonna, Steele County, and surrounding areas in Southern Minnesota with personalized insurance solutions for local residents and businesses.
How can I get insurance quotes?
Request free quotes by phone, email, or through our website. Our agents will compare options from multiple carriers to find coverage that matches your needs and budget.
