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Tim's Assistant

Tim's AI Insurance Assistant

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At Rate Insurance, I believe finding the right insurance should feel easy, not overwhelming. Whether you’re buying your first home, bundling auto policies, or re-evaluating coverage, I’m here to help you navigate your options with confidence and clarity.

Welcome to Tim Morton with Rate Insurance

Insurance shouldn’t feel transactional – it should feel like a conversation with someone who genuinely cares. I take the time to learn about your life, family, and goals to craft coverage that reflects your unique situation. Whether you need comprehensive protection or just the essentials, I believe in tailoring policies to fit you, not the other way around.

Customized Personal Insurance

I understand that no single insurance company can meet everyone’s needs. That’s why I partner with multiple carriers to find the best match for your budget and requirements. By comparing options, I ensure you’re not overpaying while still getting top-notch coverage that fits seamlessly into your lifestyle.

Multiple Carrier Options

When life happens, you shouldn’t have to wait days for answers. Whether you need a quick quote, help filing a claim, or have a simple question, I’m here – ready to assist. My team and I prioritize responsiveness because peace of mind shouldn’t come with delays.

Quick, Responsive Support

Insurance doesn’t have to feel like a sales pitch. I believe in having honest, straightforward conversations that put you in control. By breaking down your options and explaining things clearly, I empower you to make decisions that leave you feeling secure, not pressured.

Let’s Find the Right Fit for You

Key Features

At Rate Insurance, I offer a range of coverage options to fit your unique needs. Whether you're looking to protect your home, car, or bundle policies for extra savings, I provide personalized solutions that work for you.

Protect your biggest investment with policies tailored to your property and location. From fire and storm damage to theft and liability, I’ll help ensure your home is fully covered.I take the time to explain the fine print so you understand exactly what’s protected and why it matters.

Home Insurance

Drive with confidence knowing you have the right coverage for your vehicle. I work with multiple carriers to secure the best rates and comprehensive protection.Whether it’s a single car or multiple vehicles, I’ll find the right balance between affordability and coverage.

Auto Insurance

Save more by combining home and auto insurance. Bundling not only simplifies your policies but often unlocks additional discounts and better coverage options.Let’s streamline your coverage and put more money back in your pocket.

Bundled Policies

Need coverage for something beyond the basics? I also provide policies for renters, recreational vehicles, weddings, and more. Whatever your situation, there’s a solution to keep you protected. Let’s talk about how we can ensure all areas of your life are covered.

Specialty Coverage

Protect your loved ones and secure their financial future with life insurance. I can provide personalized life insurance solutions to match your needs and objectives. Contact me today to find the right coverage for you.

Life Insurance

Comprehensive Insurance Solutions for Every Stage of Life

Discover why clients trust me and Rate Insurance with their insurance needs.

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What clients have to say:

Your Trusted Personal Insurance Agent in Saint Paul offering reliable coverage

Get Personalized Insurance Solutions with Tim Morton Insurance in Saint Paul

Home

Tim Morton Insurance offers tailored personal insurance solutions designed to safeguard your belongings, health, and family in Saint Paul. Let us protect what matters to you.

Protecting You with Personalized Insurance Coverage

Protect your biggest investment with policies tailored to your property and location. From fire and storm damage to theft and liability, I’ll help ensure your home is fully covered. I take the time to explain the fine print so you understand exactly what’s protected and why it matters.

Drive with confidence knowing you have the right coverage for your vehicle. I work with multiple carriers to secure the best rates and protection. Whether it’s a single car or multiple vehicles, I’ll find the right balance between affordability and coverage.

Save more by combining home and auto insurance. Bundling not only simplifies your policies but often unlocks additional discounts and better coverage options. Let’s streamline your coverage and put more money back in your pocket.

Even if you don’t own your home, your belongings deserve protection. Renters insurance covers your possessions against theft, fire, and other unexpected events. I’ll help you find affordable coverage that gives you peace of mind in any rental situation.

Renter's Insurance

For those who want extra peace of mind, umbrella insurance provides an additional layer of protection beyond standard home and auto policies. It’s an affordable way to safeguard your assets from significant liability claims and lawsuits.

Umbrella Insurance

Need coverage for something beyond the basics? I also provide policies for recreational vehicles, and more. Whatever your situation, there’s a solution to keep you protected. Let’s talk about how we can ensure all areas of your life are covered

What I Provide

What makes us Different from Others?

Services

At Tim Morton Insurance, we prioritize your peace of mind by offering customized personal insurance solutions that protect what matters most to you. Let us secure your future today.

Your Trusted Personal Insurance Agent in Saint Paul

Join 1000+ big brands and individuals who trust Tim Morton Insurance for their personal insurance needs. Experience exceptional service and coverage that puts you first.

Our Happy Clients

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Clients Feedback

Clients

Trust Tim Morton at Rate Insurance for personalized and reliable insurance services tailored to your needs.

Schedule a time to connect

Tim Morton: Your Personal Insurance Agent in Saint Paul

Reach out for personalized insurance solutions.

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Contact Us

At Tim Morton Insurance, we are dedicated to safeguarding what matters most to you. As your trusted Personal Insurance Agent in Saint Paul, we provide tailored insurance solutions for your peace of mind.

Welcome to Tim Morton Insurance

Tim Morton

About Me

My Journey

My Vision

Insurance isn’t just about policies and premiums. It’s about people. I believe there’s no such thing as a "one-size-fits-all" policy, which is why I take the time to get to know each client and their unique needs. Whether it’s a first-time homeowner figuring out coverage or a retiree reassessing their options, I aim to provide as much or as little information as they need to feel confident. I understand that insurance can feel overwhelming, and my goal is to make it simple, approachable, and maybe even a little fun. I take pride in being responsive and available when clients need me. Questions, claims, changes, or the occasional emotional outburst – I’m here to help navigate those moments. There’s nothing more rewarding than saving someone hundreds (or even thousands) of dollars a year all while helping a family understand the coverage that protects their biggest investments.

Clients choose to work with me not just because I offer multiple carriers and options, but because of the personal connection we build. I treat my clients like people, not policy numbers. I make sure they feel heard and valued, and that extends beyond just the sale. I’ve had clients refer friends and family even when I couldn’t directly provide a policy for them. I’ve received thank-you cards and even holiday notes – reminders that this work is about relationships as much as it is about coverage. And one more thing – I won’t send you a birthday email to sell you life insurance. We all know how old we are and the importance of protecting our families, but I believe those moments should be celebrated, not turned into sales pitches!

Community involvement is extremely important, not only to me, but also in the Rate family of companies. I like to spend time with different brewery volunteer groups in the Minneapolis/St. Paul area. Some of my favorites are building dressers for families in need of items to furnish their homes. Helping different local organizations combat food insecurity. Working in community gardens. You can also find me a few times per year working alongside my father on a Habitat for Humanity build or rehab.

My Mission

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