★ Independent Insurance Agency · Maple Plain, MN

Coverage You Can Count On. Advice You Can Trust.

We compare Minnesota's top-rated insurance companies to find you strong coverage at a fair price. One local team handles your personal and business insurance.

WHO WE ARE

A local agency that works for you

Variant Insurance Group is an independent insurance agency in Maple Plain, Minnesota, serving families and businesses across the state. Because we are independent, we work for you, not one insurance company. We represent many top-rated carriers, compare your options side by side, and match you with coverage that fits your life and your budget. Our local team knows the area and stays with you as your needs change.

Independent choice across many carriers

A local team you can visit

Personal and business under one roof

5.0-star record across 698 Google reviews

One agent, many carriers

We represent many top-rated insurance companies. You get more coverage choices, better pricing, and one point of contact for every policy you own.

01

We shop as your life changes

04

New home, new vehicle, or a growing business? We re-shop your coverage across carriers so your protection keeps pace and your rate stays fair.

How it works

Getting covered is the easy part

Four steps, one real person from start to finish.

1

Tell us about you

30 seconds — name, email, phone. Or just call. We’ll ask the right questions from there.

2

We shop the market

Your agent quotes your coverage across 25+ top-rated carriers — the legwork is on us.

3

You pick, plain and simple

We walk you through the options in plain English — what’s covered, what’s not, what it costs.

4

We stay in your corner

We’re here to help with questions, changes, claims, and everything in between.

One agent, many carriers

We represent many top-rated insurance companies. You get more coverage choices, better pricing, and one point of contact for every policy you own.

01

We shop as your life changes

04

New home, new vehicle, or a growing business? We re-shop your coverage across carriers so your protection keeps pace and your rate stays fair.

Four steps, one real person from start to finish.

30 seconds — name, email, phone. Or just call. We’ll ask the right questions from there.

4

We stay in your corner

See all the industries we cover →

Representative of 600+ reviews · Read them on Google →

In their words

What our clients say

The Variant difference

Why Minnesota families and businesses choose Variant

01

One agent, many carriers

We represent many top-rated insurance companies. You get more coverage choices, better pricing, and one point of contact for every policy you own.

02

Local team, real people

Our office is in Maple Plain, Minnesota. Call, email, or stop in. A real person helps with your claim or your policy question, every time.

03

Personal and business under one roof

We cover your home, auto, and life next to your workers comp, commercial property, and commercial auto. One agency handles it all.

04

We shop as your life changes

New home, new vehicle, or a growing business? We re-shop your coverage across carriers so your protection keeps pace and your rate stays fair.

05

Trusted by Minnesotans

Our clients rate us 5.0 stars across 698 Google reviews. We earn that trust with honest advice, clear answers, and steady service.

One agent, many carriers

We represent many top-rated insurance companies. You get more coverage choices, better pricing, and one point of contact for every policy you own.

01

We shop as your life changes

04

New home, new vehicle, or a growing business? We re-shop your coverage across carriers so your protection keeps pace and your rate stays fair.

The people behind Variant

Meet your local team

Charlie Brookins

Agent/Owner

Charlie founded Variant on one idea: local people deserve honest advice and coverage that fits their real life. He shops many of Minnesota’s top-rated carriers and stays with you through every claim and change.

Amy Brookins

Agent/Owner

Amy co-owns the agency and keeps service personal, from the first quote to the day you need to file. She helps Minnesota families match their home, auto, and life coverage to what matters most.

One agent, many carriers

We represent many top-rated insurance companies. You get more coverage choices, better pricing, and one point of contact for every policy you own.

01

We shop as your life changes

04

New home, new vehicle, or a growing business? We re-shop your coverage across carriers so your protection keeps pace and your rate stays fair.

Personal Insurance

Coverage for your home, auto, and life

Protection for the people and things that matter most, shopped across Minnesota's top-rated carriers.

Auto Insurance

Coverage for your car, truck, or SUV. We compare carriers to protect you on the road at a fair price.

Home Insurance

Protection for your house, your belongings, and your liability. We match you with the right coverage for your home.

Life Insurance

Support for the people who depend on you. We help you compare term and whole life options that fit your budget.

Umbrella Insurance

Extra liability protection above your home and auto limits. A strong safety net for your family and your assets.

Renters Insurance

Coverage for your belongings and liability in a rented home or apartment. Affordable protection with quick setup.

Recreational Vehicle Insurance

Coverage for boats, motorcycles, ATVs, and campers. Enjoy the season with the right protection in place.

One agent, many carriers

We represent many top-rated insurance companies. You get more coverage choices, better pricing, and one point of contact for every policy you own.

01

We shop as your life changes

04

New home, new vehicle, or a growing business? We re-shop your coverage across carriers so your protection keeps pace and your rate stays fair.

Business Insurance

Coverage that protects what you have built

Liability, property, auto, and more, shopped across Minnesota's top-rated commercial carriers.

Workers Compensation

Coverage for employee injuries and lost wages. We help Minnesota employers meet state rules and protect their crew.

Explore more >

Commercial General Liability

Protection against third-party injury and property damage claims. Core coverage for most Minnesota businesses.

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Commercial Property

Coverage for your building, equipment, and inventory. We protect the physical assets your business depends on.

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Commercial Auto

Coverage for vehicles your business owns and drives. We match trucks, vans, and fleets with the right protection.

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Commercial Umbrella

Extra liability limits above your other business policies. Added protection for larger claims and contracts.

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Commercial Professional Liability

Coverage for your building, equipment, and inventory. We protect the physical assets your business depends on.

Explore more >

One agent, many carriers

We represent many top-rated insurance companies. You get more coverage choices, better pricing, and one point of contact for every policy you own.

01

We shop as your life changes

04

New home, new vehicle, or a growing business? We re-shop your coverage across carriers so your protection keeps pace and your rate stays fair.

Industries we serve

Coverage built for your industry

Contractor Insurance

Coverage for Minnesota contractors and the trades — general liability, tools and equipment, property, and workers comp. Protection for the job site and the crew.

Apartment Complex Insurance

Your income depends on the housing you provide, and wind, fire, or flood can interrupt it. Apartment Complex Insurance helps protect your property, your liability if a tenant or worker is injured, and your personal assets.

Brewery Insurance

You have pictured this brewery for years. Whether you just make great beer or serve food and merchandise too, Variant helps Minnesota breweries find the right coverage, from startups to major production facilities.

Our carrier bench

We shop these carriers so you don't have to

Liability, property, auto, and more, shopped across Minnesota's top-rated commercial carriers.

Plus specialty market access through Burns & Wilcox, CRC Group, Amwins, RPS and US Assure.

Recognition

Awards & recognitions

Named an Auto-Owners Sapphire Agency — a distinction reserved for a select group of the carrier's top-performing independent agencies.

Auto-Owners Insurance

Awards & recognitions

2021

Auto-Owners Insurance

Awards & recognitions

2023

Frequently asked questions

Your insurance questions, answered

These are the questions Minnesota families and businesses ask us most. If you don't see yours here, call or message us — a real local agent is glad to help.

  • What does an independent insurance agency do?

    An independent agency represents many insurance companies instead of just one. We shop your coverage across those carriers and compare protection and price for you.


    That means more choices and one local team for every policy. You get honest guidance and a single point of contact you can trust.

  • How do you find me the best rate?

    We start with your details and what you need to protect. Then we compare quotes from many top-rated carriers side by side.


    We explain the coverage and the cost in plain terms, so the choice is clear. As your life changes, we re-shop your policies to keep your rate fair.

  • Can you handle both my personal and business insurance

    Yes. We cover your home, auto, and life along with your workers comp, commercial property, and commercial auto.


    One team manages it all, so you make one call for every policy. That saves you time and keeps your coverage consistent.

  • What should I do if I need to file a claim?

    Call us or contact your carrier as soon as it is safe to do so. Gather photos, notes, and any details about what happened.


    Our local team walks you through each step and follows up with the carrier. We stay in your corner until the claim is resolved.

  • Which areas do you serve?

    Our office is in Maple Plain, Minnesota, and we serve families and businesses across the state. You can visit us, call, or email.


    We know the local area and the coverage Minnesota requires.

  • How do I get started?

    Request a quote online or call 763-333-2533. Share a few details and we take it from there.


    We shop your coverage, compare your options, and explain what fits. There is no pressure and no obligation to buy.

One agent, many carriers

We represent many top-rated insurance companies. You get more coverage choices, better pricing, and one point of contact for every policy you own.

01

We shop as your life changes

04

New home, new vehicle, or a growing business? We re-shop your coverage across carriers so your protection keeps pace and your rate stays fair.

See all the industries we cover →

Named an Auto-Owners Sapphire Agency — a distinction reserved for a select group of the carrier's top-performing independent agencies.

From our blog

Insurance tips for Minnesota

Practical guides on coverage for your home, auto, and business.

What Does an HOA Master Policy Cover and What Does It Leave to Owners?

28 August 2026
Learn what an HOA master policy covers, bare walls vs. all-in coverage, where HO-6 insurance applies, and how loss assessments affect owners.

What Does a Business Owners Policy Actually Include?

28 August 2026
Learn what a Business Owners Policy covers, including property, liability, business income, eligibility rules, and common coverage gaps.

Who Pays When a Pipe Freezes in a Rental Property?

28 August 2026
Learn who pays when pipes freeze in a rental, how landlord and renters insurance split losses, and when heat maintenance clauses can affect coverage.

763-333-2533

Let's get started

Ready for clearly different insurance?

Get a free quote and see how much a local, independent agency can do for you. No pressure, no obligation.

763-333-2533

info@variantinsurance.com

5159 Main Street East #200, Maple Plain, MN 55359

 Monday–Friday, 8:30am–5:00pm

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Tell us a little about you and a local agent takes it from there.

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