Month: June 2023

Does your home insurance protect your business laptop?

Posted on by AgentInsure

At Hanneken Insurance Agency Inc., we serve Little Falls, MN, with the home insurance its residents need to protect their financial investment in their abode. This blog answers common questions about what business equipment your home insurance covers and how to increase that protection through riders.

What Home Insurance Covers

Your homeowner’s policy does cover a limited amount of business equipment. Most home policies include about $1,500 of coverage for business-related items. A home policy covers property damage to personal property but not business equipment.

That might not seem like a lot of money, but a home policy covers typical living arrangements. The policy’s design best suits those who go to work at an office every day and rarely bring homework, computers, or equipment. Of course, as times changed, the insurance industry evolved to provide coverage for those who work from home and run home-based businesses.

Home-Based Business Rider

If you anticipate needing to keep business inventory or equipment at home, add a policy rider developed for home businesses. This added coverage lets you set the policy coverage amount, so if you own $10,000 in computer equipment and store it at home, you can cover that amount.

Hanneken Insurance Agency Inc. works with Little Falls, MN, businesses to create customized coverage for them to suit their needs. That means we can set coverage levels at the valuation you need to cover your equipment.

Contact Hanneken Insurance Agency Inc. Today

Contact us today to set up an appointment or a Zoom meeting. We’ll ask a few questions about your home business and your equipment, then provide you with a quote for your updated home policy. You can cover your home business equipment under your home insurance policy, and we can help.

Does Your Auto Insurance Cover Vet Bills If Your Pet Is Injured in an Accident?

Posted on by AgentInsure

As a pet owner, it’s always a worrying thought when it comes to your pet’s safety while you’re driving. Most pet owners in Little Falls, MN, rely on their auto insurance to cover the damage in case of an accident. But what if your pet gets injured in an accident while on a trip with you – will your auto insurance cover the vet bills, or is your pet on its own? Hanneken Insurance Agency Inc. explains whether your auto insurance covers pet injuries and what options you have for protecting your furry friend.

Auto insurance typically doesn’t cover vet bills for injuries to your pet if they were in the car with you when an accident occurred. Pets are considered personal property, just like any other item in your car, and most auto insurance policies only cover damage to other people’s property, not your own.

Another option is adding optional pet injury coverage to your auto insurance policy. Pet injury coverage is an add-on option to your auto insurance policy that reimburses you for reasonable and necessary medical expenses caused by accidental injury or death to a pet while in the vehicle during an accident.

If you’re considering pet injury coverage, remember that not all insurance providers offer it, and it may only be available in certain states.

In conclusion, it’s unlikely that your auto insurance policy will cover your pet’s medical expenses if they’re injured during a car accident. As a pet owner in Little Falls, MN, you want to know your options and take the necessary measures to protect your pets in case of an accident. Contact Hanneken Insurance Agency Inc. to discuss other options, including pet insurance.