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Personal Property

Personal Property Insurance helps protect your belongings from damage or loss due to theft, fire, and other covered events. It can cover items like furniture, clothes, electronics, and other personal items. With Personal Property Insurance, you can rest easy knowing your valuables are protected.


Home Insurance

Achieve peace of mind when your home and possessions are well protected.

Property Insurance: Can help repair your dwelling (home, rental property or mobile home) if you have damage from causes like fire, lightning, windstorms, hail, smoke damage, freezing damage and theft.

Liability Insurance: This coverage can protect you against such things as claims from others who are injured on your property, property damage claims, defense costs and medical expenses of the injured.

Island Marine: Valuable personal property like gun collections, jewelry, antiques, fine art, and collectibles.


Auto Insurance

Turn by turn directions for your tailored vehicle coverage.

Have you ever seen 250/500/250 and wondered what it meant?  These numbers are liability limits.

+ The first number (250) means $250,000 is the maximum coverage for bodily injury liability for one person injured in an accident.

+ The second number (500) means $500,000 is the maximum coverage for bodily injury liability for one accident/incident. 

+ The third number (250) means $250,000 is the maximum coverage for property damage liability for one accident/incident.

100/300/100 limits were typical in the late 1990’s and early 2000’s but with the increase in medical costs, more drivers are choosing higher limits such as 250/500/250.  You may be surprised at the small cost for the additional protection.

Liability Insurance: Bodily injury liability insurance is coverage for other people's injuries or death that you are responsible for.
Bodily injury liability coverage can also provide legal defense if another person in the accident files a lawsuit against you.

Property Damage: Covers you if your car damages someone else's property. Their car is most common, but it could also be a fence, a house or any other property damaged in an accident. It also provides you with legal defense if another person files a lawsuit against you.

Uninsured Motorists Coverage: More than 17% of Minnesota drivers are uninsured, even though it’s illegal. Uninsured motorist’s coverage protects you against them. If you are involved in an accident where the other driver does not carry insurance, you may be able to turn in a claim and the insurance company would then pay you if the other driver was uninsured.

Under-Insured Motorists Coverage: Many drivers operate vehicles with state minimum insurance coverage - as low as 30/60/10. Under-insured motorist’s coverage protects you against them. If a driver hits your car and does $15,000 damage but only has $10,000 property damage coverage, your insurance company may reimburse you for the difference between the coverage and the damage incurred in the accident. 



Your toys present special risks; protect them with the special coverage they deserve:

ATV Insurance

Boat Insurance

Motorcycle Insurance

RV Insurance

Snowmobile Insurance



The smart, easy way to protect your wealth, your family and your future.

Today's society is a litigious one, even small mishaps can result in large lawsuits. If a large claim is filed against you that exceeds the limits of your home or auto policy, an umbrella policy helps to cover you above and beyond the limits of those policies.

Umbrella policies are quite affordable and are a great way to protect both personal and commercial assets. Umbrella policies can help cover legal fees, settlement costs, and other expenses for covered losses, along with coverage for situations not covered by your underlying policy, such as libel and slander.   


Umbrella insurance provides protection for covered situations such as: car accidents, accidental falls or other injuries on your property, swimming pool or home playground injuries, accidents involving your ATV, snowmobile, boat or personal watercraft, dog bites, golf course injuries and libel, slander or invasion of privacy claims.

A common question is: "How much of an umbrella do I need?" The answer can be complex. In the past, many people purchased $1,000,000 and felt that was adequate.  An umbrella policy, if used in a lawsuit situation, could need to cover medical claims, salaries, and pain and suffering.  Today, it’s common for a client to carry an umbrella closer to their family’s net worth.

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