What Affects Home Insurance Rates?
Home insurance rates continue to rise here in Minnesota and Wisconsin and many homeowners feel the impact firsthand. Several factors drive these increases. Supply chain disruptions raised material costs. Natural disasters are happening more frequently and cause more costly damage. Large-scale rebuilding efforts – like those following California wildfires – continue to strain the system. […]
Insurance for Your Condo or Townhome
What is HO-6 Condo Insurance? And what does it cover? If you own a condo or townhome in Duluth, Superior, Cloquet, Hermantown, or anywhere in Northern Minnesota or Northwest Wisconsin, you probably assume your association’s “master policy” has you covered. It does—but only part of the way. To protect the parts of your unit you’re […]
8 Smart Ways to Save on Your Auto Insurance Without Sacrificing Coverage
Auto insurance premiums have climbed sharply across Minnesota and Wisconsin, in some cases rising more than 35% from 2022 to 2024! With these increases being felt right here at home, many Northland families are wondering the same thing: “Can I save money without reducing the protection I rely on?” The good news: YES, you probably […]
Does Car Insurance Cover Hail Damage?
Every year, hailstorms cause billions of dollars in damage to vehicles across the U.S. — and northern Minnesota and Wisconsin are no exception. Even a quick summer storm can leave behind dented hoods, cracked windshields, and costly repairs. But does car insurance cover hail damage? And what should you do if your vehicle gets hit? […]
A Friendly Guide to Personal Insurance
Insurance terms are often unfamiliar, filled with fine print that seems to say everything and nothing all at once. Whether you’re reviewing your policy for the first time or just want to better understand what you’re paying for, this guide is for you. In A Friendly Guide to Personal Insurance, we break down the most […]
Essential Spring Maintenance Checklist
Spring is a season of renewal, but it also brings risks like fluctuating temperatures, melting snow, and increased moisture. To help both homeowners and business owners prepare, we’ve partnered with our disaster recovery specialists, Dryco Restoration Services, to create this Essential Spring Maintenance Checklist. PREVENTING FROZEN PIPES Preventing Frozen Pipes Spring seems to sneak up […]
Does My Insurance Cover Wind Damage?
Wind can occur all across the Northland and causes significant damage to both residential and commercial properties. Understanding your insurance coverage is essential to protecting your investment. In this blog, we’ll break down what wind damage is, what your insurance typically covers, what it doesn’t, and steps you can take to prevent costly repairs. If […]
How to Find an Insurance Agency That Understands Your Needs
Choosing the right insurance can feel overwhelming—especially when balancing affordability with the right coverage. With so many options, how do you know what’s best for you? Understanding your risks and priorities is key. At Reliable Insurance Agency, we make the process simple by helping you navigate your choices and ensuring you get coverage that truly […]
How to Insure Your Solar Panels
Harnessing the Sun: What You Need to Know About Solar Panels and Insurance As more homeowners and businesses turn to renewable energy, solar panels have become a popular way to save on energy costs and reduce environmental impact. However, before installing solar panels, it’s essential to understand the considerations involved—both practical and financial. At Reliable […]
Insurance for Flood and Water Damage
What Can Hurricanes Helene and Milton Teach Us About Home Insurance? Hurricane Helene and Hurricane Milton left behind a path of destruction, with families and businesses losing what mattered most. Even more alarming is that only 2% of the affected homes had adequate flood insurance. Some homeowners didn’t buy insurance due to the cost, while […]
