Every state has requirements for health insurance. In fact, all Americans are required to have some sort of health insurance. If you have questions about what kind of health insurance you are required to have, you are not alone.

Hanneken Insurance Agency Inc. helps the residents of Little Falls, MN find the health insurance they need. These are the health insurance requirements for Minnesota residents.

Health Insurance Must Cover More than Vision or Dental Care

Even if you already have a vision and dental care, it is not enough to meet the requirements. You need to have insurance that covers things like prescription medications and preventative care. You need to have a plan that is well-rounded, even if it has a low premium and a high deductible.

Health Insurance Must Be for General Health

Health insurance does not meet the requirements if it only covers some types of injuries or health conditions. For example, a policy cannot only cover emergency room visits.

Health Insurance Must Not Only Provide Discounts

Some people have health insurance that does not provide coverage for any procedures or exams but rather only offers discounts on treatment. Insurance must offer more than discounted pricing on exams and treatment options.

Learn More About Minnesota’s Health Insurance Requirements

Generally, anything you get through the marketplace will meet healthcare insurance requirements. A professional can help you choose the right policy for your needs.

Hanneken Insurance Agency Inc. serves Little Falls, MN, providing locals with the information they need to make good health insurance choices. If you are interested in changing your health insurance policy, now is a good time to take action. Contact an insurance professional to learn more.

If you are trying your hands in a niche sector like agriculture in Little Falls, MN, you might find that farm insurance is more suited for your industry as opposed to ordinary commercial insurance. Why? Farm insurance is more tailored to cover your agri-business against various perils.

But is farm insurance mandatory? The reality is that no law requires you to carry farm insurance. But as you will find out, farm insurance should be a must-have insurance policy, whether compulsory or not.

What does farm insurance cover?

Yes, farm insurance isn’t mandatory, but you need it to protect your agricultural business. Ultimately, farm insurance provides the below protection:

• Home and contents coverage: Farm insurance protects your farm home and its contents from loss or damage by perils like theft, fire, and so on.
• Farm machinery: If you want to protect farm equipment like tractors, combine harvesters, and other farming equipment, you must invest in farm insurance. Besides, farm insurance is a requirement if you want to lease your farm machinery.
• Livestock protection: Farm insurance protects your animals from theft, severe weather changes, and accidents subject to your policy’s exclusions.
• Farm loss protection: If severe weather, accident, theft, or any other covered peril decreases your yields, farm insurance compensates you for the loss.
• Farm liability coverage: Just like your home insurance, farm insurance covers you against liabilities occurring on your farm. Whether it’s property damage, bodily injury, or legal suits, farm insurance got you covered.
• Farm products: Farm insurance shields farm products like feeds and seeds while on storage.

Buy farm insurance today in Little Falls, MN

Would you like to protect your crops, farm equipment, and livestock with farm insurance? Why don’t you get in touch with Hanneken Insurance Agency Inc.? We offer customizable farm insurance coverage that suits your budget and other needs.