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Personal

Our insurance agency offers a variety of insurance products for personal insurance needs.  We are licensed in Minnesota and Wisconsin.

Auto insurance

Home, condominium, townhouse, cabin and rental insurance

Liability insurance

  • Umbrella liability insurance
  • Umbrella uninsured motorist insurance

Recreational vehicles

  • Boats
  • Motorcycles
  • ATVS
  • Snowmobiles

Rental property insurance

  • 1-4 family buildings
  • 5 plus family buildings



SPECIAL COVERAGES

All of our insurance companies offer a variety of unique insurance benefits.    Our job is to search among our companies to find the one or two companies that best meet our clients’ needs.

Did I mention that we represent only the best insurance companies who have earned the highest ratings from A M Best, the leading independent insurance rating authority, to work with?  Our commitment to our clients is to have long-term relationships with companies that are financially strong and continue to be leaders in the insurance industry.

We represent companies with special features and riders on their auto, home and liability insurance policies.  These riders vary from company to company.  Please let us know if one or more of these features is important to you.

Auto Insurance Benefits

  • First auto accident forgiveness.
  • Non-cancelable auto insurance due to driving history or age.
  • Collision deductible waived on not-at-fault accidents.
  • One deductible for common loss claims, such as hail on auto and home.

Home Insurance Benefits

  • Up to 250% guaranteed replacement coverage on dwelling.
  • Up to $50,000 sewer backup and sump pump failure for finished basements.
  • Up to $10,000 Mold and fungus damage coverage on personal property.
  • Up to $25,000 identity theft.
  • Broad coverage (all peril) on personal property losses.
  • No deductible on theft of personal property when traveling.
  • No deductible on total loss of residence.
  • Up to $10,000 on credit card or forgery losses.
  • Up to any limit on jewelry, guns, furs and collectibles.

Liability Insurance Benefits

  • Liability coverage for uninsured and underinsured protection added to personal umbrella.
  • Up to $5,000,000 of liability coverage on a personal umbrella.