Sometimes a picture is worth a thousand words. When it comes to understanding umbrella policies, just picture an…umbrella.
Personal Injury Coverage is also referred to as PIP coverage or Minnesota No-Fault coverage. Minnesota Statute requires PIP coverage on every auto, personal or business, in Minnesota.
Many of us utilize ride sharing apps such as Uber and Lyft for various reasons. I use them for transportation to and from the airport, on a night out, sporting events or if I just simply don’t feel like driving myself and paying for parking… aka ALL the time!
Have you ever thought about the laws and regulations for taking a child into a ride share vehicle with no car seat and who would be liable if a child was injured in an accident?
BUILDING AND PERSONAL PROPERTY COVERAGE. Our office cannot stress the need for this enough right now! Why? Because most homeowners insurance plans do not cover floods and the 3 feet of snow in your backyard is eventually going to melt and it could be detrimental to your home and belongings. AKA, you could be screwed.
Did you know that over 1 in 3 homes with children in the United States have toys that are considered to be part of the “Internet of Things” or IoT?
Did you also know that online predators or hackers can use the information you provide on the IoT devices to help them acquire personal information of you and your kids?
First things first… Try NOT to panic! (Easier said than done though, I know)
You may not think you need to read an article on what to do if you hit a deer because lets be honest…. the majority of us know we need to pull over, call the police, take pictures of the damage and contact your insurance agent.
So instead of reiterating facts you may (and probably) already know, I’ve decided to write about a few less common things you should do after you hit a deer and some ways to help prevent a deer collision.
Are you one of the thousands of people who flee the nest each winter and move south? Do you know what steps to take in order for your home to not be considered vacant? Keep reading for a birds eye view of the actions you should be taking before takeoff!
I get it. You work 40-50 hours each week, have a family (or a very busy social life in my case), and on top of all of that, you attempt to hit up the gym to work off all of those adult beverages you drank last weekend. The last thing you want to do with the little bit of spare time you have is do more work.... especially for free.
Admit it. You love your dog or cat almost as much as you love your children... sometimes even more. So why do so many people not insure their pets? I sat down with Peg Albrecht, our Senior Personal Lines Account Manager, and asked her what her thoughts were on the subject.
For those of you who didn't read who wrote this blog, my name is Ashley and I am the only non insurance related employee at Minnesota Insurance Group. Here are the reasons why I think Independent Insurance Agents are beneficial for everyone!