When a storm damages your roof, one of the first steps you’ll take is to file a claim with your home insurance company. Once your claim is filed and inspected, the insurance company will settle the claim based on the…
Homeowners insurance is designed to protect you from unexpected damages, but one area often misunderstood or overlooked is Water & Sewer Backup Coverage. In Minnesota and across the U.S., water backup is one of the most common — and costly…
Can a Car Insurance Company Deny a Claim If You Don’t Add Your Child to the Policy? If you’re a parent with a teenager at home who just got their driver’s license, you might wonder whether you really have to…
If you own a condo or townhome, you’ve likely heard about the HO6 insurance policy—also known as Condo Insurance or Townhome Insurance. This type of policy is different from a standard homeowner’s policy. It’s designed specifically for those who own…
If a hailstorm damages your roof or siding, your home insurance policy will typically cover the cost of repairs. However, many homeowners are surprised to learn that their insurance company won’t always pay the full replacement cost up front. This…
As winter fades and temperatures rise, homeowners face a new seasonal risk—melting snow. While the sight of snow disappearing is a welcome sign of spring, the water it leaves behind can cause serious damage to homes and properties. Many homeowners…
Car accidents can lead to more than just vehicle repairs and medical bills—they can also result in lawsuits. This is why we recommend carrying high liability limits on your car insurance. Large liability losses are the loss that you can’t…
If you provide professional services or advice, you need a Professional Liability policy. Professional is also known by some as Errors and Omissions Insurance Coverage. This coverage protects businesses and professionals from claims of negligence, mistakes, or failure to deliver…
If you own a plumbing business in Minnesota, having the right Workers’ Compensation (Work Comp) insurance is a very important part of protecting your plumbing business It is also likely one of your largest expenses. Work Comp protects your employees…
When your car is declared a total loss after an accident, the insurance company will determine how much they will pay you based on the actual cash value (ACV) of the vehicle. But how can you be sure that the…