Whether on the Road or at Home, We can get you covered
The single biggest investment you may make in life is your home. Are you sure you’ve protected your investment? Let us review your homeowner’s policy with you and make sure there are no gaps in coverage.
Basic Coverages Included in Homeowner’s Policies:
Property Damage Coverage
“Property Damage” coverage is designed to help pay for damage to your home and personal property.
“Other Structures” coverage will help protect your detached garage, tool shed, and other unattached structures. Generally, the coverage is 10% of the amount for which your home is insured.
“Personal Property” coverage helps pay for a loss of your personal possessions, such as clothing, furniture, TV, stereo and other unattached personal items. You may want to review this coverage with us, to make sure you are adequately protected in this area.
Personal Property Floater
A homeowner’s insurance policy normally provides limited coverage for collectibles, jewelry, furs, etc. It may be necessary to insure your valuables with a Personal Property Floater. A Personal Property Floater provides coverage that is broader than the coverage in your standard homeowners insurance policy.
Personal Liability Coverage
Your homeowners policy provides Personal Liability coverage to help protect you against a non-auto claim in which you were at fault. Liability coverage in your policy covers both the cost of defending you and damages the court orders you must pay. Liability insurance does not have a deductible that you must meet before the insurer begins to pay losses. We can review your current limits of coverage, and help make sure you have enough protection in this area.
Medical Payments Coverage
Medical Payments coverage is designed to pay for an injury to someone OUTSIDE your family. It can often help settle “small” injuries outside of court before they become BIG claims in court. This is not medical coverage for your and your family.
Additional Living Expenses
Where will you live if your home is badly damaged?
If move into a hotel or apartment for a while because of damage caused by a covered loss, your homeowners policy will normally cover the stay, subject to policy limits.
John will personally review your coverage and help you get the most amount of coverage for the least amount of money!
- getting all the discounts you are eligible for?
- getting the personal service you deserve?
- satisfied with your agent?
We can offer you a wide variety of coverage options!
Auto Policy Definitions
Bodily Injury (BI) and Property Damage (PD)
Covers your liability for injuries you cause to other people and property damage for which you are at fault.
This coverage usually is expressed in a “split number” such as 100/300/100.
The first number is the limit (in thousands of dollars) that your policy will pay for bodily injury per person in the event of an accident.
The second number is the total limit your policy will pay for bodily injury to two or more people per accident.
The third number is the limit that your policy will pay for property damage per accident.
Many people are underinsured today because of the rising costs of vehicles (making it easy to exceed your Property Damage limits) and the high personal injury awards in lawsuits. Please consult us to make sure you have adequate converge- we’ll be happy to help you!
Uninsured & Underinsured Motorist
Covers you when you are injured by someone who is not insured or has inadequate limits of coverage. This is often an overlooked coverage, and we would be happy to help you understand this better!
This covers the cost of replacing or repairing your vehicle in the event of an accident in which you were at fault. The premium varies depending upon your deductible limits. We would be happy to help you decide which deductible is right for you!
This covers repairing or replacing your vehicle in non-accident situations, such as theft and vandalism.
Hail and other “acts of God” are covered, as defined by your policy. This also has a deductible, so please consult with us about which deductible meets your needs.
Let us help protect you from the unexpected
We Love Referrals! As an appreciation for any referral we will send you a $10.00 gas gift card from SuperAmerica, Kwik Trip, Holiday or another gas station of your choice.
This agency is licensed only in Minnesota and Wisconsin. Company links or logos on this web site do not imply the endorsement by those companies of this web site. We are an authorized agent for these companies. This is an “agency only” site. Please note that we cannot bind coverage through our web site or through email. Call us for more information regarding bound coverage.