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…
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…
Is Your Property Safe in Storage? How to Protect it! It seems everyone has something in storage. But what happens if the contents of your storage unit are stolen or are destroyed by mildew? Self-storage units of all kinds are popping up all over the place. It seems everyone has something in storage. They are…
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.…
Fantasy Football, Real Insurance About 40 million people now play fantasy football in the U S. How does it work? And is it gambling? Is there a way of insuring your “investment?” An estimated 40 million people now play fantasy football in the United States. And the game is becoming a global one. For example,…
Happy Thanksgiving! Usually a time of thanks, this time we are talking about an unpleasant holiday visitor, food poisoning. You’ve worked hard to build your restaurant. Protect it. We are an experienced independent insurance agency, and we’re here to help. CDC estimates that each year roughly 1 in 6 Americans (or 48 million people) gets…
Is Renter’s Insurance Worth It? Many renters mistakenly assume that their landlord is insuring them. But they aren’t. So if the home you rent was to burn down, how would you replace your stuff? It would help if you had renter’s insurance. When you move into an apartment or rented home, you put the utilities…
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–…