Benefits of Home Insurance in Minnesota

In Minnesota, you are not required to obtain a homeowner’s insurance policy but it sure is a good idea. If you have a mortgage on your home, you will be required by the lender to insure your home so their investment, along with yours, is protected.

Your home will be one of the largest investments you will make in your life so you will want to make sure that you secure the best policy possible to protect your home. Between the harsh Minnesota winters and the potential for hailstorms and wind in the spring and summer, you will want to make sure you have coverage for the actual dwelling of your home.

Dwelling coverage protects the structure of your house, including the roof and walls. This type of coverage will cover your home if it is damaged by a fire, vandalism, or natural disasters, such as a tornado or blizzard.

Personal property coverage will cover the items inside of your home if there is a fire or robbery. This includes items like your furniture, stove, refrigerator, and personal belongings.

Other structures on your property can also be insured, such as barns, garages, and sheds. This can even cover a deck or fencing around your property.

Liability protection will protect you and your property from a potential lawsuit if someone is injured while visiting your home and surrounding property or they suffer property damage while visiting your property.

Guest medical protection will pay the medical bills of a person who claims they were injured while visiting your home and property.

Additional living expenses protection is a nice add-on to obtain in the event your home is destroyed or deemed unlivable after a horrific event such as a fire or tornado. This policy will cover the expense for you to obtain new housing at another location.

To create the best home insurance policy, contact the trust home insurance agents at the Hanneken Insurance Agency Inc. in Little Falls, MN today!

Can You Buy Auto Insurance While Your License Is Suspended?

You can, legally speaking, buy auto insurance while your license is suspended in Little Falls, MN.

But there are a whole lot of reasons why you shouldn’t bother.

  • While your license is suspended, you’re not allowed to drive in the first place. If you plan on driving without a suspended license and you wind up in an accident, your insurance may help you to cover the damages, but it might not keep you out of jail. If your license is suspended, don’t drive, and don’t plan on driving, until you’re legally allowed to again.
  • Your insurance company may be willing to sell you insurance while your license is suspended, but if they know that your license is suspended, there’s a good chance they’ll deny you. They may choose to cancel your policy or not to renew it if you are already insured.
  • If you managed to get insured by lying to your insurance company, don’t expect them to honor any insurance claims you make afterward.

Having a suspended license doesn’t mean you can’t still shop around for auto insurance, but there’s simply not much good that can come of actually buying a policy while you’re not allowed to drive.

Suppose that a car belongs to you, but a family member with a valid license will be driving it. Well, the car-owner and primary driver listed on an insurance policy do not have to be the same person, and your insurer may be willing to work with you here. But you have to be upfront with them about the precise nature of the arrangement, or risk having your claims denied.

If you’re shopping around for insurance in Little Falls, MN, get in touch with Hanneken Insurance Agency Inc., and let’s see what we can do for you. You can call us or you can visit the Hanneken Insurance Agency Inc. and we’ll compare quotes to get you the coverage you need.