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INVENTORY YOUR BELONGINGS Make a list of your belongings and be sure to include purchase receipts (the best documentation), especially of large items like refrigerators and stereos, showing the year purchased and amount paid. Photographs and [...]
Most homeowners insurance policies cover the contents of your home (i.e., personal belongings) on an Actual Cash Value (ACV) basis. Many insurers offer an option of insuring personal property at replacement cost using the HO 04 90 endorsement. The [...]
There are several factors that can affect the cost of your homeowners insurance premium. Some of these factors are: type of construction, age of home, location, deductible, dollar amount of coverage, additional endorsements selected and underwriting [...]
Making an Insurance Claim Unfortunately, things happen, and you'll need to make a claim. When making an insurance claim, start by gathering all necessary documentation, such as photos of the damage, receipts, and any relevant [...]
In Minnesota, we call it a DWI (“driving while impaired”) where many other places refer to it as a DUI (“driving under the influence”). Whatever you call it, getting one is a big deal. Here are some things to know: The Law in Minnesota If [...]
Motorcycles You work hard, you play hard. Keep your fun going by having proper insurance on your motorcycle. We can protect it for you at a reliable and affordable price. Make sure all your recreational vehicles are properly protected against any [...]
Toys, RV, Boats, Classic Cars You work hard, you play hard. Keep your fun going strong by protecting the vehicles you use. From motorhomes, and campers, to 4-wheelers, UTV's, jet ski's, and boats. We can protect it all for you at a reliable and[...]
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Condo and Town Home HO6 Policies Your home owners association generally provides what is commonly known as Walls Out insurance coverage as part of your association dues. This means they will rebuild the property, but it does NOT cover anything [...]
