Does Car Insurance Cover Vandalism?

A person’s hand scratches the side of a dark-colored car with a sharp object; bold white text asks, “Does car insurance cover vandalism?” A small tree logo appears in the bottom right corner.

What Every Driver Needs To Know! Does Car Insurance Cover Vandalism? What Every Driver Should Know If you’ve ever found your car keyed, your tires slashed, or windows broken, you’re not alone—and you may be wondering if your auto insurance covers the damage. The good news? In most cases, yes – car insurance does cover […]

The Importance and Benefits of Life Insurance for Children

Person holding a clipboard with a document titled "Youth Life Insurance Policy" on a wooden table, highlighting the importance and benefits of life insurance for children, alongside a cup of coffee, pencil, smartphone, and small plant.

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 […]

Essential Spring Maintenance Checklist

A green highway sign reads "Severe Storms Ahead" against a cloudy, dark sky. Large white text above says, "Protect Your Home & Business With Personal and Business Insurance—Get a Quote Today.

Spring is a season of renewal, but it also brings risks like fluctuating temperatures, melting snow, and increased moisture. To help both homeowners and business owners prepare, we’ve partnered with our disaster recovery specialists, Dryco Restoration Services, to create this Essential Spring Maintenance Checklist. PREVENTING FROZEN PIPES Preventing Frozen Pipes Spring seems to sneak up […]

What is Employee Benefits Liability Insurance?

Employee Benefits Liability Insurance

Understanding Employee Benefits Liability (EBL) Insurance for Businesses Employee Benefits Liability (EBL) insurance is a critical safeguard for businesses. Western National defines EBL insurance as coverage for employer errors during employee benefit plan administration. Mistakes like failing to enroll, maintain, or terminate employees from a plan can expose your business to significant liabilities. Inaccurately describing […]

Homeowners Insurance Coverage for Water Damage

Paper cutouts of a car, a family of four, and a house on a desk with someone writing in the background. Text reads, “Homeowners Insurance Coverage for Water Damage” from your local insurance agency.

What is covered, and what isn’t? Owning a home is a significant investment, and protecting that investment is crucial. Water damage is one of the most common and potentially costly issues homeowners face. However, not all water damage is covered equally under standard homeowners insurance policies. This blog explores the types of coverage needed to […]

When to Contact Your Insurance Agent

A person in a teal blouse sits at a desk, talking on a corded phone while signing a contract. Office items, including a model house and calculator, suggest they're getting a quote from their local insurance agency.

Insurance plays a vital role in safeguarding your financial well-being in times of uncertainty. Whether it’s auto, home, health, or any other type of insurance, maintaining open and transparent communication with your insurance agent is essential. Knowing when to contact your insurance agent can make a significant difference in ensuring that you receive the coverage […]

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. […]

What is GeoBlue Travel Insurance?

An orange suitcase, a model airplane on a blue stand, and an orange luggage tag labeled "Travel Insurance" with a globe keychain are shown, representing the peace of mind offered by Duluth Insurance Agency.

Not all medical insurance extends coverage while traveling outside of the United States. If you travel or are studying abroad for a college semester, for example, GeoBlue will grant you access to the same quality care you can expect here in the US. Blue Cross and Blue Shield has partnered with GeoBlue to offer international […]

Employment Practices Liability Insurance

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As a small business owner in the greater Duluth, Superior, Cloquet, and Hermantown region, you have a lot on your plate. From hiring and onboarding new employees to managing payroll, scheduling, and daily operations, your focus is often on the immediate needs of your business. However, safeguarding your business with the right Commercial Insurance is […]

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.