Homeowners

Continue Reading...

A simple slip-and-fall accident on your property could cost you thousands—or even more—if you don't have the right liability coverage in your homeowners insurance. Many homeowners focus on protecting their house and belongings from disasters like fire or storms, but liability protection is just as crucial. Without it, you could be left financially vulnerable to lawsuits, medical bills, and legal fees.
Continue Reading...

A standard homeowners insurance policy includes four essential types of coverage. They include:

Continue Reading...

Are you prepared for a fire, flood or other disaster? Over the past several years, many families and businesses nationwide have discovered the hard way that they weren't. But taking just a few steps can help ensure that you not only have adequate coverage for your home or business, but that you have the information you need to file an insurance claim quickly and accurately. Here are three main things you'll want to do so that you're prepared if disaster hits:

Continue Reading...

Let's face it, sewer backups can be one of the more unpleasant aspects of home ownership. In addition, they tend to strike during some of the worst possible times (like when the in-laws are visiting) and can be costly and complicated to fix – if you can find someone to fix it fast.
Continue Reading...

In a world full of visible dangers, the last thing anyone in Minnesota wants to think about is the invisible ones. But they're there and, believe it or not, many of them may be lurking inside your home. According to the CDC, each year, approximately 430 people in the U.S. die from accidental carbon monoxide poisoning and more than 50,000 are treated for it. Mold is prevalent in an estimated 70 percent of American homes. And the EPA and Surgeon General attribute more than 21,000 annual deaths from lung cancer in the U.S. to radon exposure.
Continue Reading...

Considering the barrage of daily concerns, your homeowner's insurance policy may be the last thing on your mind. And yet, examining and reevaluating home insurance policies on an annual basis is a critical facet of homeownership, ensuring adequate coverage and protection for the most valuable asset and source of equity for many people inMinnesota and beyond. Premiums, like much else in the current economic climate, are forecasted to see some big increases in the coming year, with some expected to exceed $1,000 a year and many slated for rate hikes in the double digits.

Continue Reading...

Does your home need a new paint job or a quick refresh on the trim? Are the gutters overflowing with the remains of fall foliage? Or are larger issues demanding immediate attention, like doors and windows, the roof, or the foundation? Whether you thrive on weekends filled with do-it-yourself projects or hide at the mere suggestion, summer's long days and generally agreeable weather in Minnesota offer the ideal opportunity to take on the range of home maintenance and improvement tasks to preserve value and functionality for years to come. Here are a few considerations for fixing up the exterior of your home in the months to come.
Continue Reading...

Summer's generally agreeable weather and extended daylight hours in Minnesota make it an ideal season to tackle renovations, remodels, and other household fix-its. Still, these projects aren't without inherent challenges and risks. A little due diligence at the onset can do much to minimize unhappy surprises and make for successful, stress-free (or, at least, as close as it gets) renovations.
Continue Reading...

There's nothing like moving — whether it's across town or across the country — to make you realize just how much stuff you have! When moving, you're likely to let some things go, but probably also add some new appliances, furniture and other items to your list of possessions. That's why once you're settled into your new home, it's an ideal time to create or update your home inventory. Simply put, it's a complete list of all the items that you own in your home.

Continue Reading...

Buying a new home? Protect it! We can help you find the right coverage for one of the most important purchases you'll ever make.

Continue Reading...