Snow And Ice-Related Insurance Claims

A two-story house and a parked truck are covered in heavy snow during a blizzard, with snow piled on the roof, porch, and ground. This wintry, foggy scene highlights the importance of Personal Insurance from your trusted Duluth Insurance Agency.

As the snow season approaches, homeowners find themselves facing a unique set of challenges that can impact the structural integrity of their homes. The weight of accumulated snow and the formation of ice dams are serious concerns for many homeowners. Understanding the relationship between homeowners insurance and these winter-related issues is crucial for safeguarding your […]

What To Do After Hail Damage

A large, round hailstone sits in the palm of a person's hand, with green grass visible in the background—a reminder of why having protection from a reliable insurance agency is important.

Hailstorms can be a sudden and destructive force of nature, leaving behind a trail of damage to property and vehicles. If your home or vehicle has recently been affected by a hailstorm, it’s crucial to take immediate action to assess the extent of the damage and start the necessary repair process. In this blog, we’ll […]

Why Do Home Insurance Rates Vary So Much?

A modern two-story house surrounded by trees, with icons above it—fire station, personal insurance, home safety, property size, and crime rate—all connected to a central dollar sign.

Why do home insurance rates vary so much? It is, in fact, quite common for homes to cost different amounts to insure. There are several factors that go into your insurance rates. Knowing what affects rates may help you when your current policy is up for renewal. What Factors Do Companies Look At? What Can […]

Prevent Damage From Water Backups

A collage shows a man in a suit covering his face, a sump pump in a basement, a clogged outdoor drain, and water leaking from a rusty gutter—highlighting risks your local insurance agency like Duluth Insurance Agency can help protect against. Get a Quote today.

This winter was historic, falling just shy of numerous all-time snowfall records throughout Minnesota and Wisconsin. Spring is finally upon us, rejuvenating us all with warmer weather! But with this welcome change comes the worry of water entering the home through a variety of means. And since water flows downhill, wet basements are the result. […]

Is Your KIA or Hyundai Safe?

A person in a maroon hoodie and tan pants attempts to break into a white car using a tool, focusing on the action at the driver’s side door. Protect your vehicle—contact your local insurance agency for personal insurance or get a quote today.

KIA reported its best-ever sales year, selling over 650,000 new vehicles in 2022. Hyundai set their own single-year record with over 700,000 vehicles sold in 2022. In fact, the Hyundai/Kia Auto Group was the fourth ranked auto-maker in fourth-quarter 2022 sales. Only Toyota, GM and Ford outsold them while Stellantis-FCA, (Dodge, Ram, Jeep and Chrysler) […]

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 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.

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.