Affordable Care Act

Open Enrollment

2015 Open Enrollment POLK COUNTY  INFORMATION SESSION & ENROLLMENT ASSISTANCE All sessions are free. Sign up is not required. ACA certified insurance agents encouraged to attend and assist consumers. Please bring the following important items with you to the session: Social Security Numbers for every member of your family Income information for every member of your family […]

It’s Time to Be Thankful for Everything in Your Life!

Happy Thanksgiving

It’s almost the time of year to eat ourselves silly while watching football and bantering with loved ones. Thanksgiving Day is a busy day in late autumn when we get together with family and friends to celebrate the blessing in our lives. Other cultures around the world hold similar festivities this time of year. In […]

Preventing Ice Dams This Winter

Ice Dam

Experts have predicted that this winter could be another cold and snowy repeat of last winter. Whether or not that comes true is anyone’s guess. Along with the snow will be cold temperatures and the possibility of icicles hanging from your eaves. While icicles are pretty, they are often a sign of trouble waiting to […]

Shield Your Assets with an Umbrella Policy

Jury Box

Your basic auto insurance and homeowners insurance could serve you well in the face of an accident or disaster. It can also protect you financially if you have an accident with your boat, snowmobile, ATV or RV. However, all insurance policies have a limit to their coverage. Then you hear about a big accident settlement […]

Health Savings Account (HSA) Updates for 2015

2015 HSA Updates

We’re more than halfway through 2014 and though it may seem like 2015 is a long way off, there are changes to 2015 employee benefits that may affect you if you participate in a high-deductible health insurance plan with coupled with a Health Savings Account (HSA). The U.S. Treasury Department and Internal Revenue Service have issued new guidelines on […]

How Your Dog Figures Into Your Homeowners Insurance Policy

Insuring your dog

Americans share their homes with nearly 80 million dogs. Many people consider them to be family, treating them almost like they’re human. Most people, however, probably don’t’ think about how their dog figures into their homeowners insurance policy. That’s an oversight that could be costly if your dog acts out and causes injury or other damage. […]

What is the Difference Between Actual Cash Value and Replacement Cost?

couch damaged by fire

If you’ve ever shopped for insurance before, you know that there are a lot of options out there. Some are more expensive than others, some cover different types of damages, deductibles can vary, and more. One important detail of your policy that’s good to know is how the insurance company will calculate how to reimburse […]

Your Summer Vacation Checklist

watercraft insurance and other considerations when camping

Ready to head out and enjoy the summer? Do you have . . . Life preservers? Check. Sunscreen? Check. Fishing license? Check. Away message on phone? Check. Adequate insurance? Hmmm. The last item is a little harder to answer but very important. Summer in Wisconsin and Minnesota is glorious, but accidents and loss are part […]

Tornado Season Has Arrived

Tornado Season

Just as we are recovering from blinding snowstorms and icy roads, we “welcome” tornado season. Instead of hearing wind chill statistics, prepare to hear about the F scale—the method used to rate the intensity of a tornado. Tornadoes run the gamut from F0 through F5, signifying the lowest to highest wind speeds. However, even an […]

Choosing a Deductible for Your Car Insurance

choosing an auto insurance deductible

Those of us living in western Wisconsin and eastern Minnesota have a tough choice—Vikings or Packers? You can’t be both and there’s no way to “hedge your bets.” That’s all the more reason to hedge your bets, that is, counterbalance your risk of loss, in other areas of your life. How? Choosing a car insurance […]