Business Details
50+ Years
experience
Your Trusted Local Insurance Partner in Owatonna MN
Heinz Insurance has been a trusted independent insurance agency serving Owatonna, MN since 1941. Our team of licensed professionals prioritizes personalized service, working directly with clients to identify optimal coverage solutions for both personal and commercial needs. As one of the region's oldest locally owned agencies, we maintain relationships with over a dozen top-rated insurance carriers to provide comprehensive options including auto, home, health, and life insurance. Our approach emphasizes transparency, competitive pricing, and dedicated support throughout the policy lifecycle.With multi-generational expertise in risk assessment and policy customization, we deliver tailored insurance strategies that protect assets while maintaining budget alignment. Our clients benefit from 80 years of institutional knowledge combined with modern coverage solutions across home, auto, business, and specialty insurance categories. Our commitment to local communities is reflected in our active involvement with Steele County and Southern Minnesota business networks.
Services
Auto Insurance
Homeowners Insurance
Renters Insurance
Business Insurance
Flood Insurance
Life Insurance
Health Insurance
Disability Insurance
Umbrella Insurance
Bonding Services
Details
- Year established: 1941
Highlights and features
- We are Owatonna's oldest locally owned independent insurance agency with 80+ years of community experience
- Our team represents over a dozen top-rated insurance carriers for comprehensive coverage options
- We provide personalized insurance solutions for both personal and commercial needs
- Our agents maintain specialized knowledge in farm insurance and commercial risk management
- We prioritize face-to-face consultations to ensure proper policy customization
Services
Auto Insurance
Our auto insurance protects vehicles against repair costs, medical expenses, and liability claims. We offer comprehensive policies for new drivers and families needing multi-vehicle coverage. Our agents help customers maintain continuous protection while optimizing premium costs through competitive carrier comparisons.
Homeowners Insurance
Homeowners insurance safeguards your largest investment against fire, weather damage, and liability risks. We provide detailed property valuations and recommend appropriate coverage levels. Our policies protect against common perils while meeting mortgage lender requirements and offering customizable add-ons.
Business Insurance
Tailored business insurance meets unique commercial needs from small startups to multi-state corporations. We offer property protection, liability coverage, workers compensation, and equipment insurance. Our agents work with clients to create comprehensive risk management strategies that protect business assets and operations.
Life Insurance
Life insurance policies ensure financial security for dependents in case of unexpected death. We offer affordable term life policies starting at $100 annually for $100,000 coverage. Our agents help clients determine appropriate coverage amounts to protect mortgages, education funds, and ongoing living expenses.
Flood Insurance
Flood insurance covers property damage from rising water incidents. Since standard homeowners policies exclude flood damage, we provide specialized coverage that protects against one of America's most common natural disasters. Our policies help property owners recover from flood-related losses without relying on disaster loans.
People
David Otterson
President/Owner
David Otterson, owner agent with Heinz Insurance since 1999, brings 25 years of insurance expertise. Certified Insurance Counselor (CIC), David focuses on commercial risk management and farm insurance solutions for Southern Minnesota businesses.
Tyler Firme
Agent
Tyler Firme joined Heinz Insurance as an agent in 2020. Holding Associate in General Insurance (AIG) certification, he specializes in personal lines coverage including auto, home, and recreational vehicle insurance for Owatonna residents.
Colleen Waugh
Personal Lines Manager
With 15 years in insurance, Colleen Waugh manages personal lines operations. Certified Insurance Service Representative (CISR) since 2018, she oversees policy administration for home, auto, and life insurance products while maintaining client relationships.
Jennifer Fisher
Commercial Lines Manager
Commercial Lines Manager Jennifer Fisher has specialized in business insurance solutions since 2005. She helps local businesses navigate complex commercial policies, focusing on liability protection, equipment coverage, and workers compensation requirements.
Debra Rosecke
Office Manager
Debra Rosecke coordinates office operations as administrative manager. With over 20 years in insurance administration, she ensures seamless policy processing and client communication while maintaining internal operational efficiency.
Questions
What types of insurance do you offer?
We provide auto, home, renters, farm, flood, life, health, disability, and commercial insurance, plus bonding services for businesses and individuals in Southern Minnesota.
Why choose an independent agency?
As independent agents, we represent multiple carriers to find best coverage options without obligation to any single company, ensuring competitive pricing and tailored insurance solutions.
How do you determine insurance rates?
We compare rates from over a dozen top-rated carriers based on your specific needs, coverage requirements, and risk profile to find the most cost-effective policy for your situation.
Do you offer online account management?
While we prioritize face-to-face consultations, we provide digital tools for policy documents and premium payments through our partnered insurance carriers' platforms.
How quickly can you help with claims?
Our agents provide immediate support during the claims process, liaising directly with insurance carriers to expedite documentation submission and resolution timelines.
Reviews (2)
Denise Kg
Jun 29, 2019
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David and Jennifer have always provided outstanding customer service and support. Any questions or concerns that I have regarding the commercial policy are handled timely and professionally. A+ service in my book!
Aaron Green
Aug 23, 2012
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Hope no one ever gets in a fender bender with this company. when i call them just to get an update or info they just laugh in the phone, and when they do get things figured out on their end they blame it on some one else. good for the clients who use them.
