Fire & Smoke: An Expensive One-Two Punch

Our cold Minnesota winters can sometimes have us searching for any help in staying warm. Space heaters, kerosene heaters, and fireplaces can all be a source of additional warmth. Of course, each must be used appropriately and with caution.

Kerosene heaters should never be left lit after going to bed or when not at home. Electric heaters should always be kept at least three feet away from anything flammable. Fireplaces can become a danger as creosote builds inside the chimney or vent pipes. Taking the appropriate safety steps can be simple, but fires can still occur. When they do, they can create an expensive one-two punch.

Even small fires can create an enormous amount of smoke. While the fire itself may be quickly contained, the smoke can travel throughout your home. This smoke and the resulting soot can leave an extraordinary mess than can be difficult to clean. Many times smoke damaged items are simply easier to replace. When you realize how smoke and soot can quickly get into clothing, furniture, bedding, carpeting and more, you can understand how expensive it can be to recover.

This is where having the right amount of homeowners insurance is so valuable. But the time to make sure your coverage is adequate is before you experience fire and smoke damage. We can help you with an insurance review to give you peace of mind, and to shore of your coverage where it may be lacking.

As an independent agency in Minnesota, we can search many companies looking for the best coverage for you at a price you can feel comfortable with. See for yourself online. Visit our website and request a comparative quote. You can also request a similar quote for your auto insurance.

If you live in Minnesota, don’t let a fire devastate what you have work so hard for. Contact us today.

Covering the Roof Over Your Head

When you live in Minnesota nobody has to tell you about bad weather. Our winters are harsh and spring and summer storms can be damaging. When building a home here, the roof is no place to cut corners. A roof protects us from the sun, and it covers us from the rain. But what is protecting that roof over your and your family’s heads every night? Odds are it is your homeowners insurance.

Your homeowners insurance can cover your roof from damage due to the high winds of a storm or the flames of a fire. It can cover it from damage from a falling limb or from a back-up of ice. It can cover your roof in the event of damage from the weight of heavy snow or a lightning strike. That is IF you have the right coverage that is large enough to handle the damage.

Your roof protects you every day. A homeowners insurance review can make sure you have the protection to keep it doing its job. When you contact us for a review, you are contacting independent insurance agents. This means that as opposed to captive agents, we can offer the services of multiple companies that service our state. This in turn, increases your chances of finding coverage at a better price.

Seeing for yourself is simple, and you can do it from the convenience of any internet connection. Simply go online and get a comparative homeowners insurance quote from our website. If you so choose, you can also request an auto insurance quote online. Soon, you will see for yourself the value of working with an independent agency.

Protect the things that protect you. That includes your home and your roof. Contact us today and let’s make sure you are getting the coverage you need at a price you can afford.