Motor Vehicle

• Auto Insurance
  My Minnesota Personal Auto Insurance policy would have potentially covered the physical damage for the Ford Explorer however, it would be subject to the property damage perils and coverage limitations. The minimum property damage limit available is $10,000. Most policies can be increased to $500,000. (Please make sure the property damage limit is high enough to coverage the value of the rented vehicle. For example - the manufactured suggested retail price of a 2019 Ford Explorer ranges from $33,000 to $43,000.) The rental car company may also charge the damages to my credit card while the insurance company settles the claim and I may be responsible for loss of use of the rental car while it is being repaired and have to pay those costs out of my pocket. What a damper this would have put on our vacation.

Property

• Home Insurance
  Getting the proper home insurance to fit you and your families needs is difficult at best. Prior loses, your insurance credit score, and hundreds of other factors stand between you and the right insurance - at the right price. So, let us walk you through the process and be your personal insurance agent.

Health and Life

• Life Insurance
  Life insurance is an important part of your financial safety net. In the event of your passing it provides money directly to your beneficiaries.
• Health Insurance
  Many employers provide health insurance, and most people are unaware of the cost, coverage, and other factors involved. Health insurance can vary widely in coverage and cost associated with them, but our agents will help provide the best option for you.

Business

• Business Insurance
  Since the pandemic we are seeing an increase in homeowners starting their own business out of their homes. YES - in most cases some form of business insurance is needed. Most homeowners will find that their homeowners or renters policies have a business exclusion.
• Workers Compensation Insurance

Personal

• Liability Insurance