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Minnesota & Wisconsin's Only TenPenny Approved Insurance Agency

We approve one insurance partner across our entire coverage area — if they don't meet our standards, we list no one.

The Service Agency

25 Years Experience. 4.8 Google Rating. Serving MN & WI Homeowners. Independent. Local. Trusted.
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TenPenny Verification Status

We've done the homework so you don't have to

Last Verified: Mar 25, 2026

🤝 Our Interview with The Service Agency

We sat down with Andy Culver to find out what sets The Service Agency apart. His approach is straightforward — insurance should be an advisory service, not just a transaction. As an independent agency, they work with multiple carriers and take the time to structure coverage that truly protects homeowners’ homes, assets, and long-term financial security.
My philosophy is that insurance should do more than satisfy a requirement—it should truly protect a family’s home, assets, and financial future. I focus on helping our customers understand their coverage so they can feel confident they’re properly protected before a claim ever happens
Andy Culver, Insurance Advisor

💡 What TenPenny Vetting Means

Unlike other directories that let anyone list themselves, every TenPenny contractor goes through our 7-point verification process. We contact insurance providers directly, verify licenses with state databases, run background checks, and confirm reviews are from real customers. Then we sit down with them — every contractor gets a personal interview with our team so we can look them in the eye and make sure they share our standards for quality and customer service. Only contractors who pass every check earn the TenPenny Vetted badge. We re-verify quarterly to ensure continued compliance.

📋 How It Works

1

Get a Free Quote

Tell us about your Homeowners Insurance — takes 2 minutes, no obligation.

2

We Check the Details

We confirm your project is a good fit — no time-wasters for you or our contractors.

3

They Contact You

The Service Agency gets back to you — usually within 24 hours.

About The Service Agency

The Service Agency goes beyond what is expected of an insurance provider. We take our name seriously — “service” is more than a part of our brand. It is our commitment and our promise.

Our insurance agency is committed to delivering professional insurance services that meet your various needs. We find policies that protect your home and personal belongings. We source auto insurance options that are affordable and suitable for your protection. We also present business insurance solutions that protect your commercial enterprise and its day-to-day operations.

Insurance is our specialty. Get in touch with one of our agents today to receive a free estimate.

 

Warranties & Guarantees

Homeowners Insurance

Home, auto, RV, motorcycle, boat, renters and commercial insurance.

Service Areas

  • Afton
  • Andover
  • Anoka
  • Apple Valley
  • Arden Hills
  • Baldwin
  • Bay City
  • Bethel
  • Blaine
  • Bloomington
  • Brooklyn Park
  • Burnsville
  • Cambridge
  • Carver
  • Cedar
  • Chisago County
  • Circle Pines
  • Coon Rapids
  • Cottage Grove
  • Crystal
  • Dakota
  • Eagan
  • East Bethel
  • East St.Paul
  • Eden Prairie
  • Edina
  • Ellsworth
  • Elmwood
  • Excelsior
  • Farmington
  • Forest Lake
  • Fridley
  • Glenwood City
  • Golden Valley
  • Grandy
  • Grant
  • Hager City
  • Ham Lake
  • Hammond
  • Harris
  • Hastings
  • Hennepin
  • Houlton
  • Hudson
  • Hugo
  • Inver Grove Heights
  • Isanti
  • Jordan
  • Lake Elmo
  • Lakeland
  • Lakeville
  • Lindstrom
  • Linwood
  • Little Canada
  • Mahtomedi
  • Maiden Rock
  • Maple Grove
  • Maplewood
  • Minneapolis
  • Minnesota
  • New Brighton
  • New Hope
  • New Richmond
  • Newport
  • North Branch
  • North Oaks
  • North Saint Paul
  • Oak Grove
  • Oak Park Heights
  • Oakdale
  • Pierce
  • Plymouth
  • Prescott
  • Prior Lake
  • Ramsey
  • River Falls
  • Roberts
  • Rogers
  • Rosemount
  • Roseville
  • Rush City
  • Saint Francis
  • Saint Paul
  • Saint Paul Park
  • Savage
  • Scott
  • Shafer
  • Shakopee
  • Shoreview
  • Somerset
  • South Saint Paul
  • Spring Valley
  • St. Croix
  • St. Louis Park
  • Stacy
  • Stanchfield
  • Star Prairie
  • Stillwater
  • Vadnais Heights
  • Victoria
  • Washington
  • Wayzata
  • West Saint Paul
  • White Bear Lake
  • Willernie
  • Wisconsin
  • Woodbury
  • Woodville
  • Wyoming

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🛡️ TenPenny Verified

 

 

715-273-3939
369 West Main Street, Ellsworth WI 54011
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