Straight answers on Minnesota insurance — no jargon, no sales pitch. Practical guides from agents who write these policies every day.
Minnesota is projected for the second-largest auto rate decrease in the country in 2026 (5.29%). Here's why rates are falling, what to expect at renewal, and why this is the best time to shop in three years.
Read article →GL covers third-party injury, property damage, and advertising claims — but not employees, vehicles, or professional errors. Here's what it actually covers and the gaps that surprise contractors, retailers, and professional firms.
Read article →Most policyholders don't know their credit score affects their premium — or why their neighbor pays less for the same coverage. Here's how credit-based insurance scoring works and what you can do about it.
Read article →For the first time since 1942, State Farm is no longer #1 in private auto insurance. Here's what drove Progressive's rise, what it means for the captive agent model, and what Minnesota drivers should know.
Read article →After a storm, contractors appear fast and pressure to sign is immediate. Here's the step-by-step process — documentation, filing, avoiding storm chaser fraud, and understanding ACV vs. replacement cost.
Read article →The 25% tariff on imported vehicles and auto parts hasn't fully hit premiums yet — but it's coming. Here's how tariffs are working through insurance costs and what to do about it.
Read article →Every fireworks show within 20 miles of Chaska for the 4th of July — Chanhassen, Eden Prairie, Excelsior, Prior Lake, Shakopee, Waconia, Delano, and Chaska's own Fire & Ice Festival July 10–11.
Read article →Chaska's signature summer festival turns 10 in 2026. Two days of live music, fireworks both nights, curling bonspiel, and family activities at Firemen's Park. July 10–11. Free admission.
Read article →The Civic Campus construction is changing the layout and parking, but the celebration is still on July 2–4. Full schedule, what's moved, what's the same, and tips for getting there.
Read article →Minnesota auto quotes are still 63% above 2022 levels — 22 points higher than the national gap. A Federal Reserve Bank of Minneapolis analysis explains why, and whether rates are finally coming down.
Read article →Minnesota had the largest homeowners premium increase in the country. Here's what the June 2026 Midwest storm outbreak, percentage-based wind and hail deductibles, and the hail corridor mean for Minnesota homeowners.
Read article →State Farm cut compensation for its 19,000 agents while investing in AI and an OpenAI partnership. Here's what the captive agent restructuring means — for agents and for the customers they serve.
Read article →Most Airbnb hosts assume their homeowners policy covers guests. It usually doesn't — and Airbnb's AirCover isn't real insurance. Here's what coverage you actually need.
Read article →Raise your deductible, remove duplicate coverages, bundle, use telematics — and if you're 55+, the AARP SmartDriver defensive driving discount is one most people don't know about.
Read article →A BOP bundles general liability and commercial property in one package — the most common starting point for small businesses. Here's what it covers, what it doesn't, and who qualifies.
Read article →Minnesota's Dram Shop Act makes serving an obviously intoxicated person a civil liability event. Here's what the law requires, why general liability isn't enough, and what a liquor liability policy actually covers.
Read article →Homeowners insurance excludes farming operations. Here's how farm insurance works for both western MN grain operations and the growing number of hobby farm owners in the Twin Cities suburbs.
Read article →License bonds, performance bonds, payment bonds — contractors get asked for "a bond" constantly without knowing which type. Here's how each one works, what it protects, and which your trade actually needs.
Read article →July 4th is one of the worst days of the year for fire claims. Here's what's legal under Minnesota law, how illegal fireworks affect your homeowners coverage, and what to know before the holiday weekend.
Read article →The HOA master policy covers the building. Your HO-6 covers the rest — including loss assessment, which most condo owners have never heard of until they receive a bill. Here's how the two work together.
Read article →Adding a teen typically doubles or triples your premium. Here's what drives the number, what discounts actually work, and why this is the right time to review your liability limits.
Read article →Riders who drop coverage in winter often forget to reinstate before spring — and Minnesota policies are already priced for the off-season. Here's what a proper policy covers, plus what Minnesota's lane splitting law means for your coverage.
Read article →Homeowners insurance doesn't cover ATVs or snowmobiles. Here's what a dedicated off-road vehicle policy covers across both seasons — summer ATV trails and Minnesota's 22,000-mile snowmobile trail system.
Read article →Most homeowners policies cap jewelry at $1,500–$2,500. Here's how scheduling works, why old appraisals are often inadequate, and what you need to know about insuring lab-grown diamonds whose values have dropped.
Read article →Nonprofit board members can be personally sued for governance decisions — even when acting in good faith. Here's what D&O covers and why volunteer status doesn't eliminate personal liability.
Read article →Small businesses are targeted in cyber attacks specifically because they hold valuable data with weaker defenses. Here's what a policy covers and how to think about your actual data exposure.
Read article →Good documentation doesn't prevent an employment claim — it just helps you defend one. Here's what EPLI covers and why at-will employment isn't a shield against lawsuits.
Read article →Minnesota workers comp covers more employers than most people expect — and the consequences of getting it wrong are serious. Includes the classification traps that get businesses in trouble.
Read article →General liability covers physical damage. E&O covers the other kind — economic harm from advice or services that go wrong. Here's how it works and who in Minnesota needs it.
Read article →Personal auto excludes business use. If your employees drive their own vehicles for work without commercial auto or HNOA coverage, your business has an uninsured gap you probably don't know about.
Read article →Most Minnesota boat owners are underinsured — especially after values climbed post-2020. Here's what a watercraft policy covers, how agreed value works, and what to check before something happens.
Read article →No-fault doesn't mean what most people think — it has nothing to do with your car. Here's what it covers, why your health insurer may decline your claim, and what people drop that they shouldn't.
Read article →One bad day can follow your family for years without the right coverage. Here's what umbrella insurance covers, what it costs, and how to calculate how much you actually need.
Read article →Premiums have gone up significantly. Here's why, what you actually control, and how an independent agent shops the market differently than going direct to a carrier.
Read article →A cabin policy isn't the same as a homeowners policy — and which type you need depends on how you use the property. Here's how coverage works for second homes and seasonal cabins.
Read article →More than 40% of flood claims come from outside designated flood zones. Here's why Minnesota flood risk is often underestimated — and what a private flood policy actually costs.
Read article →Some ice dam losses are covered — some aren't — and sometimes the smartest move is to skip the claim entirely. Here's how the coverage actually works.
Read article →Most Minnesota renters pay $12–$20 a month — and most underestimate what their belongings are actually worth. Here's what it covers and how to make sure you're not leaving yourself short.
Read article →The FAIR Plan premium can feel close to normal. The coverage isn't. Here's what it actually covers, what it doesn't, and the three paths back to a standard homeowners policy.
Read article →GL, workers comp, commercial auto — and several gaps most contractors don't know about. Here's the coverage checklist for Minnesota electricians, plumbers, and HVAC techs.
Read article →Your workers comp premium isn't just based on payroll. Your experience mod follows your business for three years — here's how it works and how to keep it from working against you.
Read article →Standard home policies weren't written for e-bikes — and the gaps can be expensive. Here's what's covered, what isn't, and when Minnesota's new 2026 e-bike laws change the picture.
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