HOMEOWNER’S INSURANCE
Typically, homeowners insurance is designed with the six basic coverages and additional endorsements can be added on to the homeowners insurance. Homeowners insurance ranges from a single family home, townhome insurance (HO6) and Renters Insurance (HO4).
AUTO INSURANCE
Auto insurance provides coverage for: Property – such as damage to or theft of your car. Liability – your legal responsibility to others for bodily injury or property damage. In MN, Personal injury protection provides coverage for your injuries and lost wages. Making sure that you have the correct liability limits is important to protect your assets.
Call us for an auto insurance quote and to find out what coverage/limits are right for you.
LIFE INSURANCE
Life insurance is a contract between you and an insurance company. In exchange for your premium payments, the insurance company will pay a lump sum known as a death benefit to your beneficiaries after your death.
Beneficiaries often use this money for paying everyday bills, paying a mortgage or putting a child through college.
There are two primary types of life insurance: term and permanent life. Permanent life insurance such as whole life insurance or universal life insurance can provide lifetime coverage, while term life insurance provides protection for a certain period. We can help you select the right coverage.
BUSINESS INSURANCE
A business owner Insurance policy (BOP) consists of, but is not limited to: general liability, personal injury, products and completed operations, damage to rented premises, and medical payments. There are many other endorsements added on to the policy which cater to the type of industry that you’re in. The following coverages may be added to the BOP: coverage for a building owned, the business personal property owned, Loss of income, employment practices liability Insurance, crime coverage.
BOAT INSURANCE
Boat insurance is broad coverage with comprehensive and collision coverage like on an automobile insurance policy. Some companies even offer coverage for wear and tear or mechanical malfunction. Adding the boat onto your homeowner’s insurance is another way to get coverage, but not as broad of coverage.
POWERSPORT INSURANCE
Whether you have an ATV, side-by-side, Ranger, snowmobile, motorcycle and/golf cart, call us for a competitive price
UMBRELLA INSURANCE
Umbrella insurance is a type of personal liability insurance that can be indispensable when you find yourself liable for a claim larger than your homeowner’s insurance or auto insurance will cover. If you own a boat, umbrella insurance will also pick up where your watercraft’s liability insurance leaves off.
MEDICARE HEALTH INSURANCE
As you’re aging into Medicare, which is currently at age 65, it is important to know what your responsibilities are as a Medicare recipient. You have a 7 month window on your 65th birthday to begin Medicare.