Joseph Hanson

Welcome 👋

Joseph Hanson is a second-generation State Farm agent in Roseville, Minnesota, serving the Twin Cities since 1994. The Joseph Hanson Agency - State Farm Insurance helps neighbors in Roseville, Arden Hills, Shoreview, Little Canada, Maplewood, and across Ramsey and Hennepin counties with auto, home, renters, condo, life, business, umbrella, and personal articles coverage. Spanish language services are available.

Quick answers ✅

• Who we are — Joseph Hanson Agency - State Farm Insurance, a second-generation agency in the same Roseville community for more than 30 years

• Where we are — Roseville, Ramsey County, Minnesota, in the north Twin Cities metro

• What we help with — Auto, home, renters, condo, life, business, umbrella, and personal articles coverage, all in one place

• Who we help — First-time homeowners, growing families, business owners, long-time residents, and people new to Minnesota

• Languages — English and Spanish

• How to start — Call or text to schedule a phone or virtual review. No pressure, just a clear conversation about where you stand.

🍂 September in Roseville means fall routines, changing roads, and getting ready for the season ahead.

With school back in session and the Wild Rice Festival coming up September 26, it is a good time to take a quick look at the things that change with the season.

• 🚗 Auto: More fall driving means more traffic, changing commute patterns, and increased deer activity. Take a moment to check your drivers, vehicles, and coverage.

• 🏠 Home: Before cooler weather arrives, check your roof, gutters, basement, and anything that could turn a small problem into a bigger one later.

• 🔑 Life changes: A new school routine, new driver, move, or other change at home can be a good reason to make sure your coverage still fits.

Call or text to schedule a phone or virtual review. We are here to make it easier.

About Joseph Hanson — State Farm Agent | Roseville, MN

🏡 I grew up in this business. My father built a career helping people protect what they worked hard for, and I followed that same calling. As a second-generation State Farm agent, I opened the Joseph Hanson Agency - State Farm Insurance in Roseville in 1994 and have been right here in this community ever since — more than 30 years serving the same neighborhoods, and in many cases, the same families across generations.

I am a proud husband, father of three, and a neighbor here in the Twin Cities area. Those experiences remind me every day why this work matters. I have seen how the right coverage can make all the difference when life takes an unexpected turn. My team and I keep things simple and personal — and we are here to make sure your coverage still fits, whatever life looks like right now.

What We Help With 🛡️

• 🚗 Auto — Minnesota roads, Minnesota winters, and everything in between

• 🏠 Home and Renters — Real protection for Roseville's hail seasons, ice dams, the unexpected things home ownership throws at you

• ❤️ Life — Term, whole, and universal options to protect your family's income and long-term plans

• 💼 Business — Business owner policies, commercial auto, workers compensation, and professional liability for local businesses

• ☂️ Umbrella and Personal Articles — Added protection beyond what a standard policy provides

Who We Serve 🤝

At Joseph Hanson Agency - State Farm Insurance, we welcome neighbors at every stage of life — first-time homeowners who want clear answers without the jargon, business owners who need their personal and commercial coverage working together, and long-time residents who want the confidence that nothing has slipped through the cracks.

What Makes Us Different ⭐

• 30+ years in the same Roseville community

• Second-generation State Farm agency — this work has always been personal

• One agency for auto, home, life, and business — no gaps, no confusion

• Simple, honest conversations and a team you can actually reach

• Spanish language services available

Let's Talk 📞

Call or text to schedule a phone or virtual review. No pressure — just a clear conversation about where you stand.

Frequently Asked Questions

Does car insurance cover hitting a deer in Minnesota? A deer strike is generally handled under comprehensive coverage when that coverage is included on your auto policy. October is a good time to know what your policy says before you are dealing with an unexpected collision.

What should I do after hitting a deer on a Minnesota road? Put safety first, move out of the travel lane when you can do so safely, document the damage when it is safe, and contact your insurance company or agent about the next steps.

What does Minnesota no-fault auto insurance actually cover? Minnesota's no-fault system includes Personal Injury Protection, or PIP, which helps pay certain injury-related expenses regardless of who caused the accident. It does not mean every loss from an accident is automatically covered, and your policy's limits and other coverages still matter.

Does auto insurance cover me if I drive for Uber, Lyft, or DoorDash? Personal auto coverage may not provide the same protection while a vehicle is being used for a delivery or rideshare service. Because the coverage can change depending on what you are doing and when, it is worth reviewing the details of your policy before using your car for this type of work.

What should I review on my homeowners coverage before the first freeze in Minnesota? October is a good month to look at your roof, pipes, sump pump, deductibles, and dwelling coverage before freezing temperatures arrive. The Twin Cities' normal first-freeze window is in early October, so this is a practical time for a quick coverage review.

Does homeowners insurance cover a frozen or burst pipe in Minnesota? A homeowners policy may cover sudden and accidental water damage from a frozen or burst pipe, but damage related to gradual seepage, wear, or maintenance issues may be excluded. Your specific policy and the cause of the damage determine how coverage applies.

How do I know if my home is insured for enough to rebuild in Roseville? Your home's market value and the cost to rebuild it are two different numbers. Because many Roseville homes date back to the 1950s through the 1970s, and rebuilding costs can change over time, it is worth checking whether your dwelling coverage still reflects today's estimated rebuilding cost.

Is sump pump backup covered by homeowners insurance in Minnesota? Not automatically. Sump pump and sewer backup protection is generally an optional endorsement, while flooding from outside the home is a separate issue. If you have a basement in Roseville or another low-lying area, this is worth reviewing before heavy fall and winter weather.

Does homeowners insurance cover flood water in Minnesota? Standard homeowners coverage generally does not cover flood damage. Water entering from outside the home, such as rising or overland flood water, is a separate flood insurance issue.

Can I bundle my auto and home coverage in Minnesota? Eligible policy combinations may qualify for a multi-policy discount, and combining coverage can also make it easier to keep everything organized. The discount and eligibility depend on your specific situation.

Does my landlord's insurance cover my belongings in Minnesota? Generally, no. A landlord's policy is designed to protect the building the landlord owns, not your personal belongings. Renters coverage can also include personal liability and, depending on the policy, help with additional living expenses after a covered loss.

What should renters coverage include if I live in an apartment in Roseville? Renters coverage can help protect your personal belongings and provide personal liability protection, with some policies also providing additional living expense coverage after a covered loss. It is also worth checking whether your policy uses actual cash value or replacement cost for personal property.

What happens to my employer-provided coverage if I change jobs? Employer-provided coverage may end when you leave a job, so it is important to check the terms of the plan rather than assume it will follow you. A job change is a good time to review any coverage you have through work and what you have outside of it.

When should I review the beneficiaries on my coverage?Review beneficiary designations after major life changes such as marriage, divorce, or a new baby. It is also worth checking them periodically because beneficiary choices do not automatically change when your life does.

How much coverage should a young family consider if one income stops? There is no single number that fits every family. The right amount depends on things such as household income, dependents, debts, future education goals, and any coverage already provided through work. A review can help you identify what would need to be replaced if one income were no longer there.