Personal Insurance

hands_420x315Great protection at preferred rates for your home, auto, motorcycle, and recreational vehicles.

Whatever you call home, it’s a major investment both financially and emotionally. Wherever you drive, wherever you go, the right insurance policy helps get you there with confidence.

Homeowners

Homes come in all styles, sizes and ages—colonials, ranches and brownstones, century-old landmarks and newly built structures. Whatever you call home, it’s a major investment both financially and emotionally. If anything disastrous should happen to your home, you would want an insurance policy broad enough to help restore it to the condition it was before. It is only prudent to protect your home and property against loss or damage. Let us help you choose which policy is right for you.

Renters Policy – Designed for individuals who occupy an apartment or dwelling as a tenant.

Condo/Townhouse Policy – Designed for individuals who own a condominium or townhouse unit as a primary residence.

Preferred Homeowners Policy – Designed to provide comprehensive single-family insurance protection. The Preferred Homeowners Policy gives you ultimate peace of mind, knowing that your home and personal property are insured against common losses such as fire, storm damage or theft. It also provides liability coverage if someone is hurt on your property.

Click on Common Perils to see what a comprehensive policy covers.

Flood – The damage caused by flooding can be especially devastating, as we have all witnessed on news reports. Therefore many people, especially those near a body of water, wisely choose to purchase flood insurance. This is made available through the National Flood Insurance Program, which our agents can help you get. Keep in mind there is a 30-day waiting period from the date of application to the effective date of a flood insurance policy, so the time to get insured is sooner than later.


Automobile

Wherever you drive, wherever you go, the right insurance policy helps get you there with confidence. Auto insurance provides financial protection for the risks you and your family face every day. Unfortunately, not all accidents are simply fender benders. In fact, more than three million people are injured in auto accidents each year. Many people assume that all auto insurance is the same, only to find they are inadequately protected when an accident occurs. Don’t let that happen to you. Contact us for advice on the right coverage for your vehicles, including cars, trucks, motorcycles, vans, recreational vehicles or trailers. We offer competitive quotes from leading national insurance companies that you can trust to provide the coverage that you need.

Minnesota law requires that all personal passenger vehicles have the following types of coverage:

Liability Coverage – Pays when you are found legally liable for unintentional bodily and property damage to others.

Personal Injury Protection – Commonly called PIP, it helps pay your medical costs in the event of bodily injury.

Uninsured/Underinsured Motorist – Insures that you are still protected if the person at fault has inadequate or no insurance.

Most drivers also add one or more of the optional coverages listed below for better protection:

Collision Coverage – Pays for physical damage caused to your vehicle due to a collision.

Comprehensive Coverage – Pays for non-collision losses including fire, theft, glass breakage and vandalism.

Full Safety Glass Coverage – Pays for the repair or replacement of damaged/broken windows or windshield without a deductible being due.

Rental Reimbursement – Pays a certain amount towards the use of a rental vehicle when your vehicle is inoperable due to a covered loss.

Towing and Labor – Pays toward the cost of hiring a tow truck when your vehicle breaks down.

Auto Loan/Lease – Also known as GAP insurance, pays the difference between the actual cash value of the vehicle and the current outstanding balance on your loan or lease in the event of a total loss.

Trailer/Topper/Camper Body Coverage


Umbrella

The present-day life-style involves greater participation in community activities, meeting more people and traveling more than in the past, which has resulted in greater exposure to risks of loss. With more people entering into lawsuits and with juries tending to award large monetary awards, one major lawsuit could wipe out your assets overnight. To provide a safeguard for this situation, consider adding a personal umbrella liability policy to your insurance portfolio.