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Most homeowners insurance policies include something called an “add-on” or a “rider” or an “endorsement.” Whatever name you’d like to use, the definition is the same: These are specific adjustments made to a homeowners’ insurance policy. Let’s explore just what they are and if you should have any! What are Endorsements to Homeowners’ Insurance? Endorsements […]
I’ve heard it said that the two hardest things you’ll ever help your child learn to do is potty training and driving a car. Would you agree? Helping your teen learn to drive can be a very challenging experience! Between nerves and stress, expenses and risk, there is a lot on your mind. The best […]
Is Life Insurance Affordable? Everyone should have life insurance – but is it affordable? The short answer is YES; families and individuals have plenty of options. What Impacts the Cost of Life Insurance? Let’s go over the factors that impact life insurance costs. Some of these are habits you can change to improve the affordability […]
It feels like this big, looming, and scary task. You put it off, and it’s unpleasant to think about, but getting life insurance is essential in every person’s life. And yes, that means you, too! September is National Life Insurance Awareness Month, which is geared at spreading awareness of its importance. If something happened to […]
When it rains, you grab an umbrella. The same analogy could be accurate in insurance. One of the best ways to protect yourself and your loved ones is through an umbrella insurance policy, because life is full of unexpected storms. You never know what accident might be around the corner, and you never really can […]
It’s coming… I can almost smell the kettle corn popping, hear the carnival music, and feel the excitement in the air. It’s almost time for the Minnesota State Fair! Designed to entertain those of all ages, this fair is not to be missed. It is one of the most fun summertime traditions in our state, […]
Minnesota summers are some of the best days of the year – but sometimes, we see a turn of events. Destructive storms can rip through our part of the state a couple of times every year. If you’ve ever experienced storm damage to your home, property, or belongings, you know exactly what I’m talking about. […]
Let’s face it. You almost skipped even reading this article, didn’t you? Life insurance is very easy to put off, because it can be uncomfortable to plan for what happens after we leave this earth. But the inevitable truth is that no one lives forever. Even though life insurance is something all people should have […]
You put your blood, sweat, and tears into your business. To protect this investment, you need to be sure you have comprehensive business insurance policies. Do you have the right insurance for your business needs? That’s a loaded question, so we’re just going to start with the most critical policy, today: commercial liability insurance. What […]
Minnesota experiences most of its severe storm events in April-August every year, with some of these storms producing hail, heavy winds, and/or tornados, often resulting in home and property damage. Look at these 1980-2024 charts and stats from NOAA for more details on the severity. For homeowners, being prepared is crucial for the safety of […]
Life flies by so quickly, especially when you’re raising a family. It’s important to find outlets for enjoying time on your own and with people you care about. I believe there are always new opportunities for adding fun to our lives. Take my latest personal adventure, for example: Fly fishing! A Pal, A Pole, and […]
One of the best parts of my job is helping others. I really enjoy getting to know a client and their business or family, and finding out their specific needs, hopes, dreams, and goals. I also enjoy being able to help my community – and not just in terms of insurance. How do you give […]
Becoming a traveling worker might be the job of your dreams. But, before you hit the road to tour the country while working from your laptop, it is important to consider insurance needs for your trek. What Is a Digital Nomad? You’ve probably seen them on social media. As you scroll through videos, there are […]
We already know that higher homeowners insurance premiums (and out-of-pocket expenses, if you file a claim) are a reality for Minnesotans. Here are the reasons why homeowners insurance is getting more expensive in Minnesota, which include inflation, more weather events that lead to claims, and insurance company losses. As a result, insurance companies are making […]
It feels like every facet of our lives needs insurance! From our lives as a whole (life insurance) to our vehicles, homes, belongings, boats, and beyond, there are so many products on today’s market that can help protect you, your family, and what you care about. But is better to find separate companies or agents […]
You’ve worked hard to create the business you own today. I’m willing to bet that if something happened to you, you don’t want all this effort to go to waste. Your business is part of your legacy, and you want to be sure it is handled in the way you see fit! Life insurance policies […]
You’re not alone if you’ve noticed that your homeowners’ insurance premiums are going up. The national home insurance industry is going through big changes, which have come with hikes in insurance rates. As rates continue to increase (some people are seeing 30-50% increases), your options for carriers are also decreasing. In Minnesota, it is becoming […]
Flowers are beautiful, but they’ll be gone in a week. Chocolates are delicious, but if you have kids, you won’t see them by tomorrow! Valentine’s Day is all about love, so why not add something to your gift list that will have a lasting impact? A life insurance policy can be a great way to […]
As a parent, you’ll probably feel pretty great when it is time for your child to head off to college or out into the workforce after graduating high school. You’ve gotten them through those first 18 years, and now it is time for them to spread their wings and fly! Of course, a parent’s work […]
When it comes to running your own business, you should always make sure you’re covered by liability insurance – even if you work out of your home! Let’s explore the options for a home-based business owner and cover which insurance policies may be the best options for you. The ‘Business Owner’s Policy’ (BOP) Nearly all […]
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