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. […]
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 […]
Medicare AEP: What You Need To Know
Medicare’s Annual Enrollment Period (AEP) gives individuals the opportunity to review and make changes to their coverage for the upcoming year. The 2025 AEP begins October 15 and ends December 7, with all plan changes taking effect on January 1, 2026. Take time each fall to review your coverage. Premiums, provider networks, and prescription costs […]
Minnesota’s Paid Family & Medical Leave (PFML)
What Employers Need To Know Minnesota’s Paid Family & Medical Leave (PFML) program goes live January 1, 2026. Between now and then, employers need to decide on a plan (state or private equivalent), prepare payroll systems, and complete required notices and postings. Below is a concise, practical guide—plus “what to expect” insights from states already […]
Keep Your College Student Properly Insured
Sending your teenager or young adult off to college is exciting — and maybe a little nerve-wracking. Between textbooks, dorm essentials, and late-night pizza runs, insurance doesn’t always make it to the top of the checklist. But making sure your student is properly covered is one of the best ways to protect both them and […]
Back-to-School Bus Safety: A Family Guide for Northland Kids & Parents
Most public and many private schools in Minnesota and Wisconsin mark Labor Day weekend as the final stretch of summer vacation before kids head back for a new school year. In less than a week, we’ll all need to remember to stay alert around buses and school zones as the hustle and bustle of loading […]
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? […]
Am I Covered If My Business Is Linked to PFAS?
More and more commercial insurance policies are starting to exclude coverage for PFAS—also known as ‘forever chemicals.’ As this issue gains national attention, businesses here in the Duluth-Superior region are starting to ask: “What are PFAS, and could they affect my insurance coverage? And am I covered if my business is linked to PFAS? Let’s […]
The Importance and Benefits of Life Insurance for Children
By Kristen Goldberg, Life & Health Insurance Agent at Reliable Insurance Agency As parents, grandparents, and guardians, we always want what’s best for our children. We carefully plan for their health, education, and future opportunities—but one area that often gets overlooked is life insurance for children. While it may feel like a difficult topic to […]
What Drives Reliable Insurance Agency?
At Reliable Insurance Agency, we measure success by more than just policies sold or revenue earned. Success is a much more holistic, all-encompassing concept. Success means cultivating a culture where shared values guide every decision, action, and interaction. These values not only set us apart but also fuel our mission to protect what matters most […]
