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Archive for the Tip of the Month Category

Ride-sharing and Insurance

Between Uber, Lyft, Uber-eats and the many other ride-sharing companies there is so much to discuss in regards to insurance. Most personal insurance policies specifically exclude coverage when a car is being used to deliver people or goods. These ride-sharing companies provide some insurance for the cars that work for them, however there are huge gaps in coverage that could leave you and your car

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Tips to Buying a Used Camper

Minnesotans take such good care of their toys, buying a used travel trailer can be a really smart investment but here are a few tips to help you find a great deal on one: Records- Any responsible owner will have kept the records of maintenance on their unit. If the regular maintenance has been performed you can bet that the unit it in good condition.

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Camping Safety

Summer is finally here! Here are a few tips for staying safe on those camping trips! –          Make sure you get there with plenty of daylight to set up your campsite. –          Build campfires in a contained area to prevent the fire from spreading. –          Wear layers of clothing allowing you to adjust for changes in temperature. –          It’s a good idea to wear long

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Scheduled Personal Property

Scheduled Personal Property Homeowner’s insurance comes with some personal property coverage built in. But that personal property is only covered for named perils. (Fire, lightening, wind, hail, explosion, riot, smoke, vandalism, theft, falling objects, etc.) Also, insurance companies have limits on how much they will pay for a theft loss of certain things like gun, silverware, gold ware, antiques, and jewelry. Some companies will only

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What drives the price on car insurance?

What drives the price on car insurance?

What drives the price on Car Insurance? This is a common question we hear from our customers. Insurance companies use so many different factors to determine rate, gone are the days of only looking at the tickets and accidents. Here is a list of a few rating variables that help determine Auto insurance premiums: Driving record- Of course, this is still a big factor in

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Identity Theft

If your identity is stolen, it can affect your finances, credit history and reputation. Take Action Immediately: Flag credit reports. Contact the fraud department of one of the three major credit reporting agencies (Experian, Equifax and TransUnion). Tell them you are an identity theft victim. Ask them to place a “fraud” alert in your file and confirm that they will contact the other two companies.

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Insurance to Value

Do You Have Enough Coverage to Rebuild Your Home?   Imagine how devastating it would be to lose your home in a fire. Now imagine not being able to rebuild it completely because you didn’t have the correct amount of insurance.   Selecting the proper amount of coverage is the single most important decision you can make with your Homeowners policy. Without it, you may

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Taking care of your trees

Trees are a great addition to any yard, here are some tips to make sure they are in good shape this spring: Remove any dead trees from your property-these can fall easily and create damage Prune dead or broken branches-this helps the tree focus nutrients and water to the live parts of the tree Watch out for pest problems-early detection can save a tree and

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Get Ready For Spring

  Although everyone thinks of cleaning when it comes to spring, there are a number of things you should do to make sure your home is ready when the weather in Minnesota changes. Below is a selection of maintenance tasks from the National Center for Healthy Housing (you can see the full list at http://portal.hud.gov/hudportal/documents/huddoc?id=DOC_12334.pdf). Check to make sure your roof’s shingles are in good

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Winter Driving

It’s never a bad idea in Minnesota to read one of these articles! Here are some great tips to stay safe out there: Make sure your car is ready to go! Check to make sure you have enough windshield washer fluid, the right amount of air in tires, and that the battery is working properly. Stock your emergency kit. You should have water, snacks, jumper

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1700 Stieger Lake Lane #201
Victoria, MN 55386
Phone: (952) 448-5028
Fax: (952) 448-5820

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