Personal Insurance Coverage

We offer a full range of Personal Insurance solutions:

  • Home
  • Valuables
  • Personal Liability
  • Automobile
  • Recreational Vehicles
  • Motorcycle
  • Watercraft
  • Snowmobile
  • Seasonal Home
  • Rental Property
  • Personal Umbrella
  • Flood Insurance
  • Identity Theft

Contrary to what you hear in the media, buying insurance is more than just finding the cheapest commodity.

What should I look for in an insurance company? What factors affect what I pay in premiums? What choices do I have for different deductibles and coverage? What happens if I have a claim? What discounts am I eligible for?

We don't sell just a product, we sell service to you that goes well beyond the piece of paper. We take the time to listen to your questions and get answers for you if we don't know them ourselves. Home and auto insurance is complicated, and can be frustrating if you don't understand it.

Customers appreciate working with our agency staff members because we value our clients' business and take the time to get the job done. We will work hard to help in any way possible; often that includes connecting you with resources so you can take control and be proactive on your own policies. Here are some resources that many people find helpful:

Is it time to remove collision or comprehensive coverage on your car or snowmobile? To get an idea of what vehicle is worth compared to other vehicles being listed in your area go to :

www.carsoup.com/changelocation.asp

Or, get a "blue book" indication based on its features at www.kbb.com or www.nada.com

I sold a car to a private party and didn't accompany them to the vehicle registration department to get the title into their name. How can I make sure the State of Minnesota knows that the car is no longer mine?

www.mndriveinfo.org

Where can I get information on inventorying my personal belongings in case I would have a major homeowners loss?

www.knowyourstuff.org

I want to become a more educated insurance consumer. Where can I go to get general and helpful information?

www.iii.org

Parent/Teen Driving Contract
http://www.cdc.gov/ParentsAreTheKey/pdf/Parent_Teen_Driving_Agreement-a.pdf