Tip of the Month

  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…

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…

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…

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…

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…

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,…

Tips to keep your pets safe this 4th of July The 4th of July is a great time to celebrate our freedom and enjoy time with family and friends. However, fireworks and loud noises can cause a lot of stress to your pets and more dogs go missing the night of the 4th of July…

Keep Your Home Safe While On Vacation When a home is empty, it becomes an ideal target for criminals. Here are a few steps that you can take to keep your home safer: Buy a light switch timer: Your electric bill could get pretty big if you leave the lights on all day, buying a…

Driving on the Ice This is the last thing you want after a great day of catching bluegills! Here are are a few tips from the Minnesota DNR to ensure a great time on the frozen lake: Ice thickness guidelines for vehicles: 8 to 12 inches. For a car or small pickup, 12 to-15 inches…

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…