What Does Home Insurance Cover?

This broad question about home insurance is certainly a good one, especially for those who are buying their first home. The people of Little Falls, MN have every right to understand how to protect their investments, especially when it comes to their home. Hanneken Insurance Agency Inc. wants you to learn more about what’s covered under home insurance, so you know what you’re getting into before you pick a policy. 

It’s Not Everything 

Many people may think that home insurance covers nearly any type of damage to their property, which is one of the more unfortunate misconceptions about home insurance. One of the most glaring exceptions is flooding from the list of natural disasters that are included under your policy. So while you can likely file a claim if several windows were broken from a bad storm in Little Falls, MN, you won’t be able to file for flooding if you sustained water damage because of the open windows. 

In addition, your possessions may not be covered under certain policies. Some home insurance policies will only cover the structure and the grounds, which means that if you’re robbed under this kind of policy, you won’t be able to file a claim. Finally, home insurance doesn’t cover routine maintenance of the home, only damage under a covered event. 

Getting Answers 

There’s no way an insurance policy can specifically account for every event, which is just one of the reasons why policies can be so confusing. If you’re wondering how to steer yourself toward the right coverage for you, contact Hanneken Insurance Agency Inc. It’s our pleasure to give you a quotes, answer your questions, and provide advice that will make it easier to protect the things that matter most to you. 

Why you need auto insurance in Minnesota

Those that live and work in the Little Falls, MN area likely will need to have a car to get around town. Since having a car is a necessity and a big responsibility, you need to make sure that you have proper insurance in place. There are several reasons why you need to have auto insurance when you are in the state of Minnesota.

Provides Liability Protection

One reason why you need to have auto insurance when you are driving in this area is that it will provide you with liability protection. Drivers that are behind the wheel are constantly taking on the risk that they could cause an accident when driving. If you do cause an accident, it will be up to you to pay restitution for damages that are caused. Liability insurance will give you this protection to ensure you can pay for damages. It is so important that the state also requires that all drivers carry it. 

Protects Your Car

An auto insurance policy will also help by protecting your vehicle. When you are driving your car regularly, the last thing that you will want is to experience a loss due to vehicle damage or theft that you cannot pay for. Fortunately, a full collision and comprehensive policy will ensure you are covered for any situation that causes a loss. 

Owning a car in the Little Falls, MN area is almost always a necessity. Due to this, having auto insurance is a necessity as well. Anyone that is searching for auto insurance in this area should call Hanneken Insurance Agency Inc. when they are looking for a new policy. Hanneken Insurance Agency Inc. will work hard to understand your situation to make sure you get into a great policy based on your situation and needs.