In the Little Falls, MN area, one of the best long-term decisions that you could make would be to purchase your own home. There are plenty of long-term benefits that come with buying a property. If you do purchase a property, you need to make sure that you get the right insurance. A quality home insurance policy could protect you in several ways.
Insurance Will Provide Liability Protection
One way that your home insurance will protect you is by providing you with liability protection. If you own a home, there are several liability risks that you should be prepared for. A property owner could be responsible for damages if their home causes damage to another property or if a guest is injured when visiting. Since these situations can be predictable, you should make sure that you get proper insurance protection at all times.
Insurance Offers Property Protection
Another advantage of getting home insurance is that you will receive protection for your dwelling. When you own a property, you will want to ensure that your assets are properly covered at all times. With a home insurance policy, you will get coverage for the assets that you need. This can include providing you with protection for the dwelling and your personal assets. The insurance can cover a variety of situations that could result in a loss including theft, vandalism, or fire damage.
When you want to get home insurance in the Little Falls, MN area, it is important that you carefully evaluate all of your options. Since this can be a complicated process, you should reach out to the team at Hanneken Insurance Agency Inc. When you do call Hanneken Insurance Agency Inc. the team will be able to provide you with very valuable guidance and support.
As a driver in Minnesota, you need to meet insurance requirements to drive legally. At Hanneken Insurance Agency Inc. we offer auto insurance policies that will allow you to meet state-mandated minimum coverage requirements.
The following are four auto insurance requirements you’ll need to meet as a Minnesota motorist.
You need to have $60,000 in bodily injury coverage.
It is required that Minnesota drivers carry at least $60,000 in total bodily injury coverage per accident. In addition, you need to carry $30,000 in bodily injury coverage per person per accident.
You need to have $10,000 in property damage liability coverage.
Minnesota auto insurance policies are required to meet property damage liability requirements. You need to have a policy that offers at least $10,000 in property damage liability coverage.
You need to have $40,000 in personal injury protection.
Another requirement in Minnesota is that motorists carry personal injury protection coverage. You need to have auto insurance policies that include at least $40,000 in personal injury protection.
Personal injury protection will pay for medical expenses for both you and your passengers in the event of an accident. This will cover medical expenses before your own health insurance coverage comes into play.
You need to carry uninsured motorist coverage.
Minnesota is a state that requires uninsured motorist coverage. You are required to carry at least $25,000 in uninsured motorist coverage as a Minnesota driver. This will cover you if you are involved in an accident with a motorist who does not carry adequate insurance and is at fault in an accident in which you are involved.
Are you looking for auto insurance coverage in Little Falls, MN? Let us help you find coverage at Hanneken Insurance Agency Inc. Get in touch with us with your questions and inquiries regarding auto insurance options in Minnesota.