I’ve been both a Direct Writing Agent and an Independent Agent. There is no comparison what the better option is for the insurance consumer. A direct writer or captive insurance agent writes with one insurance company, usually a State Farm,…
You may have heard of this type of insurance policy. If you haven’t, it is additional liability insurance above and beyond your car insurance and home insurance liability. It may just be very important to your bottom line. This insurance…
The answer is when they receive their drivers license. Many parents want to add their new driver when they obtain their permit, but we cannot technically list the young driver to the policy until they pass their driver license exam.…
Did you know that Flood Insurance is not covered by your home insurance. Flood insurance is specifically excluded from your home insurance, actually. If you are in need of Flood Insurance, you will have to take out separate insurance policy.…
If you are in a car accident, get injured and the other person is at fault in that accident, you would think that this person would have to pay for your injuries. Not in the state of Minnesota. Minnesota car…
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…