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 […]

Tips for Safe Towing

Truck towing in a dry area

It happens every summer. Boats come out of storage. Campers make their first spring appearance. Construction vehicles begin hauling heavy equipment. Vehicles pulling any size load must take care to load, secure, and haul contents properly. Here are our Top 5 Tips for Safe Towing. Follow manufacturer weight limitations Towing capacity is determined by factors […]

Why Are Insurance Rates Still Going Up?

Inflation & and Insurance Rates

Why Insurance Rates Are Rising: What You Need to Know in Minnesota and Wisconsin We’ve all heard about inflation—the anxiety-inducing topic that’s affecting prices everywhere, including right here in our hometowns. Unfortunately, the insurance industry hasn’t been spared from inflation’s impact. From home insurance to auto coverage, policyholders are facing rate increases. But WHY are […]

The Rise of App-Based Delivery Jobs in Duluth and Superior

A 3D orange delivery truck emerges from a smartphone with a striped awning, surrounded by flying packages. An orange background features a white tree and text: "The Rise of App-Based Delivery Jobs in Duluth and Superior" from your Duluth Insurance Agency.

Since 2019, and especially during the COVID-19 pandemic, app-based deliveries have exploded in popularity. Whether it’s a second job, a career change, or your teen’s new summer gig, delivery jobs are more in demand than ever. In Duluth, Superior, and across Minnesota and Wisconsin, the rise of app-based delivery jobs in Duluth and Superior mean […]

Our Community, Our Focus

Serving our Community

At Reliable Agency, we enrich the communities we serve through rooted relationships. One way we accomplish this is by living out one of our core values, Involved. Not only does being involved mean helping one another achieve greatness, we also strive to be involved in the communities that provide us with so much happiness. We […]

Scheduled Property Insurance

Diamonds and pearls

WHAT IS SCHEDULED PROPERTY? It is a special type of insurance that extends the limits of coverage beyond your Homeowners or Renters policy. This offers extended coverage of high-value property if it is stolen, lost or damaged. FROM AN AGENT: “One of our clients lost her wedding ring in the sink while cutting vegetables. Before […]

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.