Ever wonder why your Homeowners Insurance has increased so drastically in the last 5 years. One main culprit; HAIL. Hail is a vulgar four letter word in the insurance industry. In the state of Minnesota, Hail is the reason our…

You hear the term Insurance Deductible every time that you go to purchase insurance. It doesn’t matter if it’s car insurance, home insurance, boat insurance, or health insurance. Most people don’t fully understand what this term means. How does an…

Car Insurance Rates Decreased Car Insurance companies are actually decreased rates for most drivers 50 and older. This has become a demographic that many insurance companies are now more interested in attracting. This is due to the improved improved loss…

Replacement Cost vs. Actual Cash Value Actual Cash Value vs. Replacement Cost. There is a big difference between these two coverage options when it comes to your home insurance. Replacement Cost Protection means that you are able to replace your…

Young Drivers Born in 2006 Now Driving Those teens born in 2006 will be getting their license this year. Well, 2006 didn’t seem that long ago, but now these teens are driving. New drivers in your household can be nerve…

Minimum Car Insurance In the State of Minnesota is $30,000 These are bodily injury liability limits. This means that if you are at fault in an accident that you have $30,000 to pay for one person’s medical bills. $60,000 total…

How is your roof covered on your home insurance policy? Many insurance companies are changing the way that they pay out claims for your roof. If you see ACV on your home insurance declaration page, this means that your roof…

3 Reasons to choose an Independent Insurance Agent. Insurance Company Options An independent agent works with multiple insurance companies. He or she will shop your car insurance or your home insurance for you and find the best available option. Convenience…

I’m pretty confident that if you asked anyone who has ever owned a rental property you would get an overwhelming response that it’s not as lucrative or easy as they thought it would be. In fact, owning a rental property…

I was recently asked this question by one of our Ameriguard Insurance Agency clients, and thought I would share the answer here for our readers. There are a lot of things that go into homeowners and auto insurance rates, one of…