When Your Snowmobile or ATV Breaks Through the Ice We recently looked at the importance of having sufficient insurance on your truck or car if it goes through the ice over a body of water. Today, we will consider how you can protect your snowmobile or ATV, should they break through the ice. If your…
Does Your Homeowner’s Insurance Cover Your Airbnb? If you have been reading our blog for a while, you probably know how important homeowner’s insurance is. It protects you against losses spanning from vandalism to fire. If you are going to rent out a property separate from your residence or even a room in your home,…
If you own a lake home, you will want to have the right kind and amount of insurance to protect your property. Here are some things to keep in mind when insuring your lake home. In the Land of 10,000 Lakes, there are plenty of lake homes! If you own one of them, you will…
Do You Have an Inventory of All Your Belongings? As a homeowner or renter, you should have an accurate, up-to-date inventory of all the personal property at your residence and off-site storage facilities. There are several reasons to create a thorough list and plenty of ways to approach the project. Determine how much insurance coverage…
Landscaping is expensive, takes time to establish, and adds a lot of value and curb appeal to your home. So, what happens when part of your landscaping is damaged? Do you have to pay for it out of your pocket, or is there insurance coverage to soften the financial blow? Homeowner’s Insurance to the Rescue…
Don’t Let a Fire Extinguish Your Holiday Cheer! The winter holiday season is a time to gather with family and friends, eat good meals, and share memories. Unfortunately, it is also peak house fire season. All these fires are preventable. Christmas Tree Fires Half of all home tree fires involve electrical distribution or lighting…
Liquor Liability & Your Holiday Party. Tis the season for holiday parties. If you organize one yourself, it is essential to know the risk you are assuming and how to minimize it. It seems there is a string of opportunities to attend one between Thanksgiving and New Year’s. Perhaps you are even organizing one yourself.…
When Someone Slips and Falls on Your Property You’ve heard it before. If someone slips, falls and is injured on someone else’s property, they can sue! But what if the property belonged to you? Are you prepared for a liability claim? Let’s look at the law and how you can be protected and protect anyone…
A Change In Climate Could Mean A Change in Insurance Policy As you know, we cannot control the weather. Each year, Minnesotans experience extremes in climate: harsh winters, hot, humid summers, and everything between. We are no strangers to crazy weather, but do your insurance policies match these changing needs? You may be over–…