How farm insurance can help protect your family farm

The Little Falls, MN agricultural community can rely on Hanneken Insurance Agency Inc. for their family farm insurance needs. If you want to make sure that your farm has the protection it needs, call us today and set up an appointment. Our team is experienced and knowledgeable and can help you get the protection you need.

Protect your family farm today

We understand that finding the right policy to protect your family farm can be challenging. Underwriting a family farm or agricultural business requires a different approach than most properties receive. If you don’t feel like your insurance provider is giving you the protection you need at a fair price, we can help. 

We work with several different insurance providers who understand the nuances of underwriting farm insurance. We know that you need protection for:

  • Livestock
  • Farm equipment
  • Worker’s compensation
  • Crop protection
  • Liability coverage

Yes, a family farm is a business, but its insurance needs vary greatly from most other commercial enterprises. If you want to learn more about farm insurance benefits, it’s time to sit down with a local agent. 

Farming is hard work, and your dedication and hard work need to be protected. Having the right farm policy can make the difference between going under due to a catastrophe and passing the family farm down to the next generation.

We look forward to working with you!

The folks here at Hanneken Insurance Agency Inc. are proud to work with the greater Little Falls, MN community. If you want to make sure that your family farm has the protection it needs, call us today! We look forward to working with you.

Will a catastrophic care policy meet your health insurance needs?

Do you live in the greater Little Falls, MN area? If you are a long-time resident or have recently moved to the area, we look forward to working with you! We are here to serve our community and provide the insurance coverage you need to protect yourself and your family. You can rely on Hanneken Insurance Agency Inc. for all your insurance needs! Call or stop by today.

The challenge of finding affordable health insurance

High deductible care can be a good option for healthy folks looking to keep their insurance costs within their budget. This type of insurance, often referred to as catastrophic care, can be a good fit for many people. If you only see your doctor for your annual check-up, a catastrophic care plan may be right. Some of the benefits of this type of policy include:

  • Free annual check-ups and some preventive care
  • Coverage for hospitalization
  • Low monthly premiums

For example, if you only go to the doctor once a year and do not take any prescription medications, your health care needs are considered minimal. With preventive care and hospitalization stays covered, you will have the medical insurance protection that you need. If you have a medical emergency, you will have health coverage. But, you will also enjoy lower premiums each month. 

Find out more today!

The Hanneken Insurance Agency Inc. team is here to help residents in the greater Little Falls, MN area with all of their insurance needs. This also includes health insurance. If you’d like some guidance when it comes to navigating the process of finding the right health insurance, we can help. Give us a call or stop by the office today!

What Doesn’t Home Insurance Cover?

Homeowner’s insurance is meant to protect your home if something happens to it. It can also protect your possessions and all of the things that you love so much. It will also cover medical bills if someone gets hurt while they are at your home. 

That being said, it doesn’t cover everything. Here are some things that standard homeowner insurance typically won’t cover. 

Earthquake damage isn’t typically covered. If you live in an area where earthquakes are common, you may want to add additional insurance to your policy. 

It also won’t cover floods. Flood damage can be quite costly, so you may want to add flood insurance to your policy, especially if you live in a flood zone. 

Your homeowners’ insurance may also not cover any water damage. This may include any problems that you may have with your septic system. 

It also won’t cover any problems that occur because you aren’t taking care of your home. If you don’t maintain your home, your damage may not be covered. Many plans don’t cover rust and mold damage, as well as general wear and tear that happens to a home over the years. 

Though your insurance should cover damage to your home, it probably won’t cover damage due to earthquakes or flooding. Because of this, you may want to add additional coverage, just in case. You also need to take care of your home. If you don’t, your insurance might not cover the repairs! 

If you want to make sure that you have enough coverage on your home, don’t hesitate to contact us today at Hanneken Insurance Agency Inc. in Little Falls, MN. 

Does your car have the protection it needs on and off the road?

If you are living in the wider Little Falls, MN area, it’s time to get to know the Hanneken Insurance Agency Inc. We are here to help our friends and neighbors with all of their insurance needs. We want you to have the protection you need!

Protecting your vehicle on and off the road

Collision insurance is very important, as is liability protection. But does your current auto policy also provide the protection you need when your car is off the road? Protection from theft and vandalism or other damage that can occur while your car is parked is also important. 

For example, if your car is parked under a tree and is damaged by a falling branch, will your auto policy provide coverage for the incident? There are innumerable types of situations where your car can be damaged when you aren’t even driving it. Unfortunately, not all auto policies provide coverage for all types of damage.

In order to have the protection you need, on and off the road, you may want to opt for a more comprehensive policy. While a basic policy can give you a small layer of protection, it may have you paying out of pocket more often than you would like. This makes it a perfect time to take the opportunity to review your current policy and the benefits it provides. 

It may be time to upgrade your auto policy!

Give us a call today!

Little Falls, MN area residents can rely on Hanneken Insurance Agency Inc. for all of their insurance needs. If you would like to learn more about the many features and benefits that today’s auto insurance policies provide, give us a call or stop by our office today!

Types of Homeowners’ Insurance

It can be very confusing when shopping around for homeowner’s insurance. You want to make sure that your home is protected, since it is the most expensive thing that you will ever own. 

So, what types of coverage is available with your homeowner’s policy. 

Coverage A covers the dwelling. This means that it will cover any damage that occurs to your home. It also covers any attached garages and fencing that is on your property. 

Coverage B is for other structures. This will pay for any damage to other structures on your property, like your garage and pool. 

Coverage C is for your personal property. This includes most things that you have in your home, such as your furniture and clothing. You will be covered if theft occurs and certain items are stolen. That being said, if you own things that are more expensive than most, you may want to look into getting some extra coverage. 

Coverage D covers loss of use. This will cover any costs for you to stay in a hotel or somewhere else if your home needs major renovations. 

Coverage E is for liability. This will protect you and your family if someone gets injured on your property. It will cover your legal expenses if you end up getting sued. 

Coverage F is for medical payments. Medical payments will cover the medical bills of anyone who is injured on your property. 

Since it can be confusing when it comes to buying homeowners insurance, you are going to want to talk to a professional about your options. You may need more insurance in some areas, depending on what you do in your home. 

To make sure that you are fully protected, contact us today at Hanneken Insurance Agency Inc. in Little Falls, MN. 

Required Commercial Insurance in Minnesota

When you have a business in Minnesota, it’s important to have all of the commercial insurance types that you need in order to protect that business. There are some types that are required by law and others that aren’t required but are extremely helpful to many types of businesses. If you don’t have the commercial insurance coverage you need, contact us at Hanneken Insurance Agency Inc. in Little Falls, MN.

Workers’ Compensation

This type of insurance pays for the medical bills and lost wages that are needed when an employee gets injured while at work. This is important coverage to protect your business from most lawsuits due to injuries. It also provides workers with disability benefits when injured. Sole proprietors are excluded from this mandatory insurance, as are corporate officers and partners. Otherwise, every business must have this for every employee they have. 

Commercial Auto Insurance

If your Minnesota business owns a vehicle, it is required to be covered by a commercial auto policy. This policy must have a number of different coverage types within it to protect your business as well as others who are affected by an accident. There is an amount of coverage that is required for one person for bodily injury liability in an accident and another amount required for everyone in the accident who is injured. There is also an amount required for property damage liability. All of these coverage types pay for other people’s injuries and property when your vehicle causes an accident. 

There is also an amount required for one person who is injured in an accident that is caused by an uninsured or underinsured driver and another amount for everyone who is injured in such an accident. Lastly, there is an amount required for personal injury protection that pays for injuries to your driver and/or the passengers. 

Get Covered

If your business needs coverage, call us at Hanneken Insurance Agency Inc. in Little Falls, MN.

How Whole Life Insurance Works

If you don’t have life insurance, you may worry about the future of your family. And, you may have good reason to worry. It can be financially devastating to have a wage-earner pass away without any life insurance left behind. That’s why it’s so important to get a life insurance policy, and a whole life policy is a good choice. If you’re interested in one of these policies, contact us at Hanneken Insurance Agency Inc. in Little Falls, MN.

An Insurance Policy for Life

As the name suggests, who life insurance is there for the rest of your life or your "whole" life. While term life insurance is only good for a specific number of years, whole life policies have no expiration dates. Keep paying the premiums and your policy will be there for your family after you pass away. This guaranteed coverage under the policy is perfect for giving you better peace of mind about the future. Once you sign up, keep paying for it and the company cannot cancel the policy. 

Building a Cash Value

Another thing that is advantageous about whole life policies is that they will build up a cash value over the years. The longer you have the policy, the more the cash value will be. It generally starts a few years into the policy, and it grows over time. This amount is a small portion of the number of profits the company receives from investing in your premiums. Once you have a cash value, you can borrow against it if you have a financial emergency and need access to the funds. 

Get Whole Life Coverage

If you don’t have any life insurance, it’s important to get a policy as quickly as you can. Contact us today at Hanneken Insurance Agency Inc. in Little Falls, MN.

Required Auto Insurance in Minnesota

When you drive in Minnesota, there are many different types of coverage that you have to have in one auto insurance policy. All of these coverage types are required. If even one is missing, the state will consider you uninsured, and you can be subject to fines and fees. If you need auto insurance for your Minnesota vehicle, give us a call at Hanneken Insurance Agency Inc. in Little Falls, MN.

Liability Auto Coverage 

In Minnesota, there are a few amounts of coverage that are required for liability coverage. There is one amount required for one person who becomes injured in an accident caused by your vehicle. There is another, higher amount required for all of the people who are injured in such an accident. Then, there is an amount required for any property damage done to someone else’s property in an accident like this. All of these coverage types pay for the damages to others but not to those in your vehicle. 

Other Required Coverages

To pay for the injuries to your driver and/or the passengers, personal injury protection is required. This pays for those injuries as well as a host of other expenses, including lost wages and disability payments as well as a death benefit and survivors’ benefits. The policy is also required to have coverage for both uninsured motorists and underinsured motorists. This can pay for the injuries to those in your vehicle if the motorist who causes the accident either doesn’t have insurance or doesn’t have enough to pay for all of your injuries. This requires one amount for one person who is injured and a larger amount available for all of those who are injured.

Get Auto Insurance in Minnesota

If you need auto insurance, contact us at Hanneken Insurance Agency Inc. in Little Falls, MN.

What’s the Best Home Insurance Policy for My MN Home?

For residents of Little Falls, MN, there may not be a more important investment in your life than your home. The team at Hanneken Insurance Agency Inc. specializes in auto and home insurance, and they hold home insurance in high regard as one of the best ways to protect your life’s most crucial and valuable assets. 

Home insurance can be confusing, there’s no doubt about that. It’s important to work with an agent or team you can trust, who understands your lifestyle and needs and that makes educated and experienced recommendations for you and your family. 

To put it simply, you want your insurance coverage to be enough to rebuild your home exactly as it is today. Whether you’re affected by a fire or other natural disaster, dangerous weather, theft, or vandalism… the point of insurance is to protect you from these scenarios. We recommend making an inventory list of the valuables and other items in your home that are unique or expensive. It’s important to know the value of everything inside the home. 

With that comes more options. You can maintain basic liability coverage that protects you should another person become injured on your property. You can select coverage that protects the belongings inside the home, your personal property. This is an important choice for many families in Little Falls, MN – you can’t put a price on the valuables you’ve collected over the years, from jewelry and artwork, firearms, and more. Home insurance can protect those items you hold near to your heart. 

Hanneken Insurance Agency Inc. is here to help Minnesota residents to find the best home insurance policy. Contact us today and we’ll work with you to find exactly what you’re looking for. 

Modified Auto Insurance Overview

Hanneken Insurance Agency Inc. is an independent insurance agency. We proudly serve the Little Falls, MN community. We have relationships with various carriers throughout the Midwest region. We are committed to helping our clients find the policies they need to protect their assets.

Modified Auto Insurance Overview

Operating a vehicle can be dangerous depending on the road conditions and other drivers. Auto insurance can help protect you as you travel around Little Falls, MN and beyond. You are covered if your vehicle is damaged in an accident. You are also covered if you are held responsible for injuring someone or causing property damage. Comprehensive coverage protects you if your vehicle is stolen or damaged due to a natural disaster. You are also covered if your vehicle hits an object or an animal.

Many people enjoy customizing their vehicles. If you have made any specifications to your vehicle, consider adding modified auto insurance. Modified vehicles often need unique parts if they are damaged. A traditional auto insurance policy isn’t enough to cover the replacement parts. Common examples of modifications to a vehicle include rims, a bumper, custom paint, and suspension changes. Consider having your modified vehicle appraised because the value of the vehicle has likely changed. Modified auto insurance covers your vehicle if you are having engine trouble, and you need urgent towing service. You can add uninsured motorist coverage to your policy, which covers you if you are involved in an accident with someone who does not have insurance.  Having a modified auto policy can give you peace of mind if something goes wrong with your custom vehicle. 

Hanneken Insurance Agency Inc. Will Help You Protect Your Investments

Visit our website to learn more information about auto insurance.