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. […]
Insurance for Your Condo or Townhome
What is HO-6 Condo Insurance? And what does it cover? If you own a condo or townhome in Duluth, Superior, Cloquet, Hermantown, or anywhere in Northern Minnesota or Northwest Wisconsin, you probably assume your association’s “master policy” has you covered. It does—but only part of the way. To protect the parts of your unit you’re […]
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 […]
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? […]
Does Insurance Cover Wildfires?
Northern Minnesota and Wisconsin are known for their beautiful forests. Unfortunately, the recent wildfires that have popped up in northern Minnesota have scorched thousands of acres and destroyed homes, cabins, and vehicles. For those affected, the aftermath brings stress, confusion—and many questions about insurance coverage – like; “Does insurance cover wildfires?” Reliable Insurance Agency has […]
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 […]
Essential Spring Maintenance Checklist
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 […]
Does My Insurance Cover Wind Damage?
Wind can occur all across the Northland and causes significant damage to both residential and commercial properties. Understanding your insurance coverage is essential to protecting your investment. In this blog, we’ll break down what wind damage is, what your insurance typically covers, what it doesn’t, and steps you can take to prevent costly repairs. If […]
