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Informative articles on insurance, safety and risk for you, your family or your business. Each article includes a link for you to share with anyone who may benefit.
Summer in Minnesota is prime time for home improvement projects. Whether you're repainting your home's exterior, replacing the roof, adding on, or constructing a new patio, a home improvement project can not only beautify your home and add to its overall comfort, but also significantly increase its value. Don't undermine your considerable efforts by failing to get the proper insurance, or you may end up having to fork out much more than you planned in the event of an accident.
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Those of us old enough to recall a choice bit of pop culture from the early 1980s might recall a fictional vehicle that seemed to have a mind and personality all its own. Its name was KITT, and it was the sporty, black car endowed with artificial intelligence on which one David Hasselhoff, in his role as Michael Knight, relied on in the TV show Knight Rider. Yes, David was a modern-day knight, and the robotic car was his trusty steed.
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Summer isn't all sweetness and light. Beneath the charm of Minnesota's sunshiny days, ice cream trucks, bare feet, and barbecues lurks the ever-present potential for all manner of mishaps. Yep, accidents happen in the summertime, too, and lots of them. While this shouldn't stop you from enjoying plenty of fun and relaxation once school's out (after all, that's what summer is all about), it should inspire you to take some preventative measures, as well as make sure your body, home, and car are all protected by the right insurance policies.
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Insurance affects-and protects-virtually all the most fundamental parts of our lives here in Minnesota: home, health, transportation, and even work. Most of us are obligated to earn a living in some way, and, for some of us, work-related matters can lead to some unusual insurance policies and claims. Sure, if you're a professional musician in an orchestra, you might want to insure your bassoon, but in what circumstances would you ever need to insure your behind?
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Insurance Advantage Agency agents carefully review your insurance needs for proper coverage. Your home should be insured for replacement cost. Jewelry, furs, etc., should be insured for appraised value. You may wish to consider Flood Insurance, which is a separate policy and a separate premium.
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Chances are if you carry any sort of insurance policy in Minnesota, you are somewhat familiar with the concept of exclusions. An exclusion is, in layman's terms, simply something that an insurance policy doesn't cover; it is literally excluded from protection by the policy. Of course, life is so much easier when everything is included in one tidy package, but since this is rarely the case, it's important to be aware of your insurance policies' exclusions.
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Whether it's a leisurely, romantic drive down a country road, a fun-filled family vacation, or a raucous road trip across the country with friends, summer is prime time for excursions in the car. With the windows down, the music on, and the right company (or perhaps no company at all) a nice drive can be both fun and relaxing.
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The forest is full of life, and dwelling close to one means you have the privilege of living among all kinds of animals, plants, and trees-not to mention the chance to savor a degree of peace and quiet not available to those who set up house in the city. Living near a forest also has its hazards, however, and chief among them is the potential for a forest fire.
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