The question of the year... How high will my rates go?
The recent economic landscape has been particularly challenging both in our personal lives and for business owners. As the insurance...
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Lacy
- Nov 15
- 2 min
Snow Bird? Heading South?
Are you one of the snow birds? Heading for warmer weather as frost starts to take over and snow starts to fall in the north? First, I'm...
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Lacy
- Oct 5
- 4 min
Misconceptions about auto insurance...
Were you aware that if you do not pay your insurance, it's going to cancel? And if it cancels, you then have no coverage in place? I...
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Lacy
- Sep 27
- 3 min
Slips, Trips and Falls...
After I start tucking away the fun summer things and preparing my home for winter time, I'm always mindful of what could be a slip, trip...
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Lacy
- Jun 1
- 3 min
Named Insured, Additional Insured, Driver? What?
Ah yes. The terms of insurance. These few terms can be so confusing to consumers. Maybe your bank, lien holder or contractor tells you...
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Lacy
- Apr 19
- 3 min
Flooded? Know your risk...
It's that time of year when our back yards are once again mini-lakes, our rivers have over flowed their banks and our roads are washed...
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Lacy
- Apr 14
- 2 min
Uh Oh... Water/sewer back up? Now What?
Nothing worse than going into your basement to find your sump pump failed. Not only is there water damage, but it could be raw sewage...
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Lacy
- Feb 28
- 2 min
Shoveling Snow - a winter evil.
As we gear up for our Minnesota March, which we all know can be one of our snowiest months, we are looking at more shoveling. If you...
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Lacy
- Feb 23
- 2 min
Ice Dams.. what do you do?
Oh the joys of living in the great tundra. Snow storms, ice storms, below zero temps. Which all contribute to those awful things we call...
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Lacy
- Jul 7, 2022
- 3 min
Rising Premium Rates?
As agents, we field a lot of calls pertaining to rate increases. We don't mind these calls as we want to make sure you know what you are...
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Lacy
- Nov 16, 2021
- 2 min
Snowmobiles and what's best?
When I woke up Sunday morning and looked outside at the gross whiteness that had creeped up on me, it made me think of snowmobiles....
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Lacy
- Sep 24, 2021
- 2 min
How do you choose an agent or agency?
There are a lot of factors to consider when shopping for any type of insurance; from choosing the right agent to making sure you have the...
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Lacy
- Sep 1, 2021
- 2 min
Your personal auto for delivery business? Uber?
Covid-19 really messed up our world in so many ways. It's a time in our lives where it can be hard to find any positive aspects to social...
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Lacy
- Jul 15, 2021
- 3 min
Mortgagee and Lien Holders - what if they aren't listed?
We receive requests all the time from mortgagee companies or lien holders requesting to be listed on your policy or requesting updated...
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Lacy
- Jun 9, 2021
- 3 min
When should your child get their own policy?
For most of us, the school year has drawn to a close. The last two years have been unprecedented for our entire world. But we have all...
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Lacy
- May 21, 2021
- 4 min
Deductibles and what's best for you.
For those that are unsure what exactly a deductible is, the actual insurance definition is: the amount paid out of pocket by the policy...
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Lacy
- May 20, 2021
- 6 min
Claims. (Fun Discussion!)
Ahh, the ever disputed topic of claims. In this blog, I will briefly give some examples of claims and what might or might not be covered....
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Lacy
- Apr 27, 2021
- 4 min
You Don't Need Life Insurance...
It's true. YOU don't need life insurance. Your FAMILY needs you to have life insurance. One more time for those in the back... YOUR...
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Lacy
- Apr 21, 2021
- 2 min
EPLI. What in the world is that?
And here you thought I would never get into commercial policies. I tread lightly in commercial because it's not my specialty. So I'll try...
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Lacy
- Apr 6, 2021
- 2 min
I have rental coverage on my auto, so I can rent a car...
You know the dot dot dot means there's more to come. And here it is... This is another misconception in regards to your auto insurance....
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