💛 Welcome to the Tammie Downare Agency — State Farm Insurance in Sartell, MN

I'm Tammie Downare, a State Farm insurance agent in Sartell, Minnesota, helping families, individuals, and small businesses across Stearns and Benton County protect what matters most since 2001.

· 📍 Located: 18 Riverside Ave S, Sartell, MN 56377 — next to River Boat Depot and about a block from Watab Park

· 🛡️ Coverage: Auto, home, renters, life, business, umbrella, and personal articles

· 🗺️ Serving: Sartell, St. Cloud, Sauk Rapids, Waite Park, St. Joseph, Rice, Foley, and St. Augusta, along with communities throughout Stearns and Benton County

· 📅 In business since: January 2001, with more than 30 years of State Farm experience

· ⭐ Rated: 4.8 stars by more than 200 neighbors on Google

What makes this office different? We listen first. We take the time to understand your story, your family, your work, and the things that matter most to you — then help you build protection around your real life.

With a local office and a real person on the other end of the conversation, you get personal service backed by State Farm. Our goal is simple: help you understand your coverage, feel confident about your choices, and have someone in your corner as life changes.

🍂 October brings crisp mornings, darker commutes, and deer season to Central Minnesota.

With deer moving more in the fall and icy driving conditions just around the corner, October is a good time to review comprehensive and collision coverage, roadside assistance, and rental reimbursement before winter arrives. It’s also a smart month to look at your home coverage and make sure you understand how your policy handles ice dams, freezing, water backup, and other winter-related concerns.

· 🦌 Auto: Review comprehensive coverage before the fall deer season gets into full swing.

· 🏠 Home: Check replacement cost and winter-related protections, including water backup and coverage for ice dam or freezing concerns.

· 💛 Family: A new school year, changing family responsibilities, or other life changes can be a good reason to revisit your protection.

Sartell High School’s homecoming parade and tailgate bring neighbors together for a familiar fall tradition filled with school spirit and community connection. As October calendars fill with football, family activities, and the changing season, it’s a good reminder to take care of a few important coverage check-ins before winter settles in.

As the leaves change and winter gets closer, call, text or stop by to take a few minutes to review your coverage with us so you can head into the season feeling prepared and confident.

💛 About Tammie

Hi, I'm Tammie. Here's a little of my story — because I'm going to ask you for yours. 😊

I earned my degree from Bemidji State University in psychology, elementary education, and business — a combination that turns out to be made for this work. The way I describe it: I was trained to listen, diffuse, and manage. Therapist, kindergarten teacher, and business owner, all in one.

I spent two years at State Farm corporate and four years as a team member in another agency before opening my own doors in January 2001 — more than 30 years with State Farm all told. Thirty years in, the reason I still love this hasn't changed: people forget about awards, but they never forget the extra time you took, or that you remembered something important to them.

🏡 A little about my life outside the office: I've been married more than 40 years and I'm a proud mom of four — including Trinatie, who is now part of this team (yes, really 💛). Outside of work you'll find me crafting, fly fishing, making art, reading, or planning the next trip. Before insurance I was a portrait photographer, which probably explains why I notice the details.

🤝 Why community matters here: I serve on boards, support local businesses, schools, athletic clubs, and arts organizations, and I speak up for women in business — from lived experience. I came into this industry 30 years ago as a woman in a largely male field. My solution? Show up and wear heels. 👠 Giving back here isn't for show. It's who I am.

📍 Where we work: Our office sits on the Stearns County side of Sartell, right where the Mississippi runs through town. Proudly serving Sartell, St. Cloud, Sauk Rapids, Waite Park, St. Joseph, Rice, Foley, and St. Augusta, and communities throughout Stearns and Benton County, since 2001.

🔍 The Problem We Solve: Most people don't think about their insurance until something goes wrong — a deer on the highway, a hailstorm, a life change that quietly leaves a gap nobody caught at renewal. My team and I make sure that doesn't happen to you. We check in, we review, and we make sure your coverage keeps up with your life.

🛡️ What We Cover

· 🚗 Auto — Minnesota no-fault coverage, deer season comprehensive, Drive Safe and Save, and young driver programs

· 🏠 Home and Renters — replacement cost, hail and wind, ice dam, water backup, and home systems protection

· 💛 Life —life insurance options for families and business owners

· 💼 Business — Business Owner's Policy, commercial auto, workers' compensation, and professional liability

· ☂️ Umbrella and Personal Articles — extra liability protection and coverage for recreational vehicles, jewelry, hunting equipment, and more

Frequently Asked Questions (FAQ)

Does auto insurance cover hitting a deer in Sartell, MN? A deer collision is generally handled under comprehensive coverage rather than collision coverage. With deer activity increasing in the fall, it is worth knowing how your current auto policy handles this type of damage.

What should I review on my car insurance before winter in Minnesota? Fall is a good time to review comprehensive and collision coverage, roadside assistance, and rental reimbursement before winter driving conditions arrive. Your coverage should reflect how you use your vehicle and the conditions you regularly drive in.

What does Minnesota no-fault auto insurance actually cover? Minnesota no-fault coverage primarily applies to certain injury-related expenses after an accident, regardless of who caused it. It does not mean every loss from an accident is automatically covered by your own policy.

Do I need comprehensive coverage if I drive mostly around Sartell and St. Cloud? Comprehensive coverage can help with losses such as deer collisions, hail, and certain other damage that is not caused by a collision with another vehicle. Whether it makes sense for your vehicle depends on your situation and the coverage already on your policy.

Can I bundle my home and auto insurance in Central Minnesota? Yes. Home and auto coverage can be combined, and bundling may qualify for a multi-line discount. Eligibility and available discounts vary, so a review can show what bundling would look like for your household.

How do I know if my home is insured for what it would cost to rebuild in Sartell? The amount you paid for a home is not necessarily the same as what it would cost to rebuild it today. A coverage review can compare your current dwelling amount with the factors used to estimate rebuilding costs.

Does homeowners insurance cover ice dam damage in Minnesota? Coverage for ice dam-related damage depends on the policy and the specific cause and type of damage. Because ice dams are a familiar Minnesota winter concern, fall is a good time to understand how your policy addresses them.

What should I check on my home insurance before winter in Sartell? Before winter arrives, review your home's replacement cost, roof coverage, water backup protection, and coverage related to freezing or ice dam damage. A quick review can help you understand what you have before the weather changes.

Does home insurance cover flooding near the Mississippi River in Sartell? Standard homeowners coverage generally does not cover flood damage, and flood protection is handled separately. Properties near the Mississippi River should be evaluated based on the property's location and the coverage in place.

Does my landlord's insurance cover my belongings? No. A landlord's policy generally protects the building, not your personal belongings. Renters coverage can help protect your belongings and provide liability protection, subject to the terms of the policy.

What does renters insurance actually protect in a Sartell apartment? Renters coverage can provide protection for your personal belongings and liability, depending on the policy. It is designed for the things you own and your responsibilities as a renter, rather than the building itself.

Is the coverage I get through work enough for my family? Employer-provided coverage may be an important starting point, but it may not match your family's income, debts, dependents, and long-term goals. It is worth knowing how much coverage you have and what happens to it if your employment changes.

How much family protection should I consider if I have kids or a new baby? There is no single amount that fits every family. Income, debts, dependents, and future goals all matter, so a coverage review can help you understand what amount may fit your situation.

Should I review my beneficiary information after a marriage, baby, or other big life change? Yes. Major life changes are a good reason to review your beneficiary information and make sure it still reflects your wishes. An annual review can also help catch changes you may have overlooked.

Does Tammie Downare State Farm serve Sartell and nearby Central Minnesota communities? Yes. The Sartell office serves Sartell, St. Cloud, Sauk Rapids, Waite Park, St. Joseph, Rice, Foley, and St. Augusta, along with communities throughout Stearns and Benton County.