Home Insurance Claims Procedures
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.
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
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 […]
Five Things You Should Know About Insurance
Things your insurance agent wants you to know that will help the agent-client relationship.
Tips for Safe Towing
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?
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
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 […]
Scheduled Property Insurance
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 […]
Inflation and Increasing Replacement Costs
There is one important question any property owner should be asking themselves every year. “Am I still properly insured?” Inflation and increasing replacement costs put you at risk of being underinsured! We take a look at this issue and hopefully steer you away from making this potentially very costly mistake. “Will insurance cover all costs […]
Decades of Successful Business
Reliable Insurance has been in business for nearly 50 years! In fact, 2024 will mark our 50th year of providing top-notch insurance to Cloquet, Hermantown, Duluth/Superior and surrounding communities. Our co-owners, Steve Micke and Val Wojtysiak, sat down recently to share what helped them with decades of successful business. They also shared some memories of […]
