Pet-Related Home Insurance Claims

3D figure leaning on a large gold dollar sign, with a pet paw and a home insurance form and pen in the background, representing Personal Insurance from a Reliable Insurance Agency.

Owning a pet can bring immense joy and companionship to our lives, but it also comes with responsibilities. One of these responsibilities is the need to protect your home and belongings in case of any unforeseen pet-related incidents. Home insurance plays a crucial role in providing financial coverage for damages caused by your four-legged family […]

How Much Is Enough Life Insurance?

A graphic of four blue stick-figure people, representing a family, standing together under a large black umbrella, symbolizing protection and security from Duluth Insurance Agency.

Our January 31 blog identified the different types of life insurance. Now, we would like to explore the question many ask. “How much life insurance do I need?” What are your financial obligations? Do you have outstanding debt like a mortgage, auto loans or school debt? How much income would you like to have covered? […]

Engagement Ring Insurance

Two elegant rings on a glossy black surface: one is a diamond solitaire engagement ring, the other a diamond eternity band, both sparkling and reflecting light. Discover security with Duluth Insurance Agency—get a quote for peace of mind today.

If you have recently become engaged or are already married, congratulations! We wish you the best in your marriage and hope it is filled with joy for years to come! The ring you wear is not only a symbol of love and commitment, but also a valuable piece of jewelry that should be protected. If […]

Who Needs Life Insurance?

Paper cutouts of a car, a family of four holding hands, and a house are arranged on a table, with two blurred adults sitting in the background, symbolizing the protection offered by Duluth Insurance Agency.

Life insurance provides peace of mind, knowing that loved ones will be financially secure if something were to happen to you. There are a few considerations, both regarding the various types, and also some reasons why individuals take out a life policy. We hope this article helps make the decision easier if you find yourself […]

What is an Independent Insurance Agency?

A whiteboard displays "What is an Independent Insurance Agency?" above the Reliable Insurance Agency logo in a classroom, highlighting this trusted local insurance agency.

Independent insurance agencies, or non-captive agencies, offer a variety of benefits compared to captive agencies. Captive insurance agencies are owned by, or affiliated with, one particular insurance company. Consequently, they can only offer policies from that individual company. This limits the customer in a number of ways. Choosing a local independent insurance agency might be […]

What are Premium Audits?

An open hand, palm up, with a transparent sphere in it. The word AUDIT is prominently displayed across the center of the sphere.

And why is it so important for businesses to complete? We all know the end to the phrase, “There are only two sure things in life…” But business owners would probably say that there are three sure things in life: Death, Taxes and Audits. This article hopes to explain what are premium audits, and why they […]

Home Insurance Claims Procedures

A checklist with five boxes, four of which are checked.

Thankfully, only about 6% of insured homes will open a claim in any given year. According to the Insurance Information Institute, the most common home insurance claims are Wind/Hail Damage, Fire/Lightning Damage, Water/Ice Damage, and Theft/Vandalism. Knowing what to do for each type of claim will help the homeowner through the process and ensure that […]

Prepare your home for winter.

House covered with snow and icicles

With winter just around the corner, Reliable Agency has created a list of tips that may help prevent the cold, wind, and snow from damaging your house and property.

Considerations When Employing Youthful Drivers

Delivery driver

As of July 2022, unemployment in Minnesota was 1.8% and nationally it was 3.7%. This has caused many employers to hire younger and less experienced staff just entering the job market. New employees are often asked to use a business vehicle to complete tasks typically assigned to those with more seniority. Anyone who has added […]

Disclaimers

Minnesota (MN)

We do not offer every plan available in your area. Currently we represent 8 organizations which offer 99 products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.

Wisconsin (WI)

Please be advised, we do not offer every plan available in your area. Currently we represent 6 organizations which offer Medicare products in this area. Please contact 1-800-MEDICARE, medicare.gov, or your local State Health Insurance Program to get information on all of your options.