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Teresa O'Neill

Night Driving Dangers

A little extra caution can go a long way while driving at night Summer has ended, and while fall and winter have their own pleasures — longer nights mean increased danger on the roads. More than 50% of fatalities for vehicle occupants 16 and older occur between 6 p.m. and 6 a.m., according to the…
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Teen Driver Discounts

We often get asked the question: How much is it going to cost to add my teen driver? Statistics show that a new driver is a riskier driver. Insurance companies know that and charge accordingly. However, there are a few discounts that we can give to help soften the blow. The good student discount. If…
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Hands-Free Minnesota

  MN’s new law is in effect banning drivers from using a phone unless they are using a hands-free device. You may not hold a phone in your hand while driving unless it is an emergency. This comes amid growing fatalities due to distracted driving. In the 12/15 states that are now hands-free traffic fatalities…
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What happens when a tree falls?

We commonly get asked: When my neighbors tree falls on my house who pays for it? It depends on a few different factors to determine if and which insurance policy will pay. If a healthy tree from your yard falls on your house that is covered by your insurance policy. What most people don’t know…
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Your Family Fire Escape Plan

Does your family have a plan for evacuating your house safely in case of a fire?  Follow these steps to get a plan in order to help protect your family: Plan your escape Sit down after dinner today and make a step-by-step plan for escaping the house during a fire. Draw a map of your…
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Winter is Coming!

Winter is coming! Here are some ideas to help you save money and stay comfortable at the same time: Heating Use (or install) a programmable thermostat. Turn the heat down a few degrees at night and when you are gone during the day. The U.S. Department of Energy says that by doing this you can…
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Advice for First-Time Home Buyers

There are so many things to consider as a first-time home buyer, and so many new concepts to learn. It’s a bit overwhelming to think about how to get what you want, save yourself money, make sure the house is in good condition, and something you can afford! Here are a few tips from us…
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Do you need to call your insurance agent?

Do you have a home business? People make and sell things on Etsy, teach guitar lessons, babysit dogs at their house, or even meal prep for others. As soon as these side businesses start to earn an income it is time for business insurance! Imagine if the dog you are sitting bites the neighbor kid,…
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