4 Benefits of Health Insurance

If you have been keen, healthcare in the US has been rising every day. Without health insurance, medical costs can drain your finances. To protect yourself from the biting healthcare costs, you need to secure health insurance from Hanneken Insurance Agency Inc. of Little Falls, MN. This way, you will enjoy the below benefits.

Coverage of medical expenses

Of course, the most common reason for a health insurance plan is ensuring you receive proper medical care without straining your resources. Health insurance covers hospitalization expenses, medication costs, ambulance costs, domiciliary expenses, and many others. With health insurance, you can focus on your recovery, knowing that medical costs are taken care of. 

Coverage of chronic health conditions

The good thing with health insurance is that it protects against life-threatening diseases such as cancer, heart disease, and stroke. Health insurance caters to treatment costs, disease management costs, and other financial obligations.

With the increasing pollution, increasing accident rates, deteriorating lifestyle, and the emergence of new diseases, you need health insurance to protect your health. 

Prevention of illnesses

Health insurance plans offer preventive and routine care to prevent the occurrence of future illnesses. Services like vaccinations and routine checkups are pivotal in preventing and identifying illnesses at an early, easy-to-manage stage. 

For peace of mind

No one likes to get ill or injured. You might be in good health now, but the next minute you are sick or injured. Since we are humans — and humans get sick — we need health insurance to protect us at our vulnerable moments. 

Health insurance near me

Health is wealth. That said, you need to safeguard your health with a sound health insurance plan. If you are a resident of Little Falls, MN, your health insurance needs are well covered by Hanneken Insurance Agency Inc. Contact us today, and our friendly staff shall help you navigate the health insurance landscape. 

How much farm insurance do I need in Little Falls, MN

How much farm insurance do I need in Little Falls, MN?

If you’re into commercial farming, you need to protect your business property through farm insurance. Most Little Falls, MN farm policies cover your home, possessions, and liability. They also cover your livestock and machinery but not crops. Insurance professionals at Hanneken Insurance Agency inc. recommend buying farm insurance instead of relying on home insurance to get the most out of your policy.

Do I need farm insurance if I have home insurance?

Farm insurance is designed to work like home insurance, only that the farmers live where they work. Policies vary and can be customized to fit your desired goals. If you are farming to produce food items to be used in your home, then home insurance can cover the damage in case of accidents. However, if you are farming to generate income, farm insurance can be the best option.

How much insurance should I buy?

The amount of insurance to buy vary from one policyholder to another because everyone has different needs. It also boils down to the purpose of your farming activities and the size of the venture.  Ideally, you are looking at the risks associated with your farm and matching them based on the size. Your local insurance agency in Little Falls, MN, should assess and create a list of everything you have to come up with coverage options and premium amounts. Most policies are also flexible, and you can add or remove coverages when the need arises. For instance, if you didn’t have livestock on your farm and decided to add a few cows, pigs, and goats, your insurance company should allow you to add coverages that protect them, or you can raise your premiums.

Not sure how much farm insurance to buy in Minnesota? Hanneken Insurance Agency Inc. can help you find a policy that takes care of all your needs. We also customize policies to fit all your needs from equipment, machinery, livestock, and personal belongings. Call us today!