The Truth about Water Damage

Most policies don’t come with backup of sewer and drains coverage.  It’s true.  Do you have this coverage?  How much do you have?

According to the Insurance Information Institute – most homeowner and business insurance policies do not cover sewer backup unless specific sewer backup coverage is added to the policy.

Tim Peddycoart – home insurance specialist for the Insurance Specialists Team says to “Check and find out if you have this important coverage on you policy and how much insurance coverage you have available. It’s inexpensive coverage and always seems like a bargain after a loss”

If you have a backup and water damage in your condo or home it can be a big and an expensive mess. It’s a common loss and most policies don’t include coverage for it or don’t provide not enough coverage. You can usually add more coverage to better address your need with an endorsement.  Some basements and lower levels are fully finished and/or store valuables. The cost to replace or restore is often not considered – until it’s too late.

This coverage is needed on condos and townhomes too.  The shared pipes can backup and damage connected units and dwellings below. The master policy likely does not cover this peril.

The cost to add backup of sewer and drain coverage is approximately $20 to $50 a year.  Thomas McAlpine from 24 restore reports “The average loss from water damage is $10,000.”

Check the video below for the truth about water damage. What can be saved?  What should you do first?  What is the minimum amount of coverage one should include? What does it cost?

 

For more information on home insurance call the Minneapolis home Insurance Specialists Team 612.460.7796 get an online quote or start up an online chat.

What to do if you Experience a Sewer Backup

A sewer backup can lead to disease, destruction of your valuables, damage to your house or business, and can even result in electrical malfunctions. Prompt cleanup of the affected property can help minimize the inconvenience and prevent mold and further damage. In the event of sewer backup, turn the water off and immediately arrange for the cleanup of your property. This should include:

•Wet-vacuuming or removing spillage
•Mopping floors and wiping walls with soap and disinfectant
•Flushing out and disinfecting plumbing fixtures
•Steam cleaning or removing wet carpets or drapes
•Repairing or removing damaged wallboard or wall covering
•Cleanup of ductwork

Homeowners and business insurance do not cover flood damage: Only flood insurance will cover your losses in the event of a flood.

If you have water damage… Call 24 restore Office (612) 255-9578 | Toll Free (888) 804-2785  The quicker the damage is mitigated the lower the cost and damage.  Call your agent or 24 restore right away.

Does Having A Home Security System Lower Homeowner’s Insurance?

 

Homeowners Insurance 612.460.7796

These tips are brought to you by The Minneapolis Insurance Specialists Team…333 Washington Ave. N Ste. 300

Yes, it generally will get you a discount.  Many of the home security systems available have come down in price and makes sense to have in your home.

In the process of delivering the best quote for home insurance, home insurance specialists ask about smoke detectors and security systems in your home. Most insurance companies offer some sort of discount for those homeowners who have security systems. Here are few of the different kinds of security systems that can help reduce your home insurance costs.

1.    Outside lights- Set these up on timers so they come on even when you are gone. Also, motion detecting lights are an excellent deterrent and can be     installed at a low cost.
2.    Cameras are also a good deterrent.  Place cameras around outside doors and your yard. Many home improvement stores offer cost-effective products.
3.    Alarms are always a good idea. Alarm systems that are connected to a central station will yield the best discount.

4.    Controlled access to building.

 

Other Home Insurance Credits

Most insurance companies offer many types of discounts for homeowners. We are committed to keeping up on all these discounts to make sure you are getting the best coverage and price. Some of these discounts can include:

1.    Secured entry and over 55 communities
2.    Community security
3.    Updates in wiring and/or plumbing
4.    New roof
5.    No claims
6.    Non smokers – The No. 1 cause of home fire fatalities in the United States is smoking.   Smoking caused 16,000 residential fires in 2012, killing               over 500 people and causing $376 million in residential property loss. Source- U.S. Fire Administration
7.    Senior citizen discounts- If you are over 55 and retired you may have discounts waiting for you.
8.    Sprinklers- Many new home building codes require sprinklers. These can be expensive but will provide home insurance discounts.

9. Credit and insurance score has a large impact on rates.

10. Longevity credits

We have connections to the best security system suppliers. Credit repair people, the best mortgage professionals and contractors we insure and trust. Check our trusted resource page for recommendations and possible discounts for our customers.

The Minneapolis Insurance Specialists Team, Minneapolis, MN will work hard to find you the best possible combination of coverage, price and service. Please call us today at 612.460.7796 or fill out the easy online form or chat for a free quote!

Condo Insurance and FAQ 612.460.7796

CondoInsuranceMPLSCondos are popping up all over Minneapolis, all of them are different. The associations and condo insurance policies can be vastly different too.

Minneapolis was the fastest growing city in Minnesota in 2014 this was the first time in around 100 years and 2015 looks to repeat.  Minneapolis is the largest city in Minnesota and growing again.

Much of the growth has been downtown and condos. There are over 35,000 residents living just downtown. If you are thinking about moving into a condo or have recently moved into a condo, you probably have a lot of questions about the complex that you have gotten into and about things such as affordable and the right condo insurance coverage. Though not all of these questions can be answered because each condo will vary, the basics of learning some of the rules of your condo complex is actually not that difficult to do.

 

You’ll want to look at or better yet – have your insurance agent look over the condo associations master policy.  Are just the contents and liability covered?  These policies vary and you’ll need to know things like what is covered and what the associations deductibles are and how much loss assessment coverage you’ll need on you HO6 policy “condo and town home policy”

You’ll also want to read the bylaws they are all different too. If you want to determine the answers to questions like whether or not pets are allowed?  Are rentals allowed? Are there are designated parking spaces in your condo complex?

Learn the Rules Before You Buy

Condos are like snowflakes, all of them are different. Of course, this is not to the same degree, but it can be said about the rules that are found in each individual condo complex and they can impact your condo living experience.  Condo insurance policies vary too and even though they are generally less expensive than home insurance policies they are often the most improperly insured.  Don’t just assume the associations bylaws and insurance policies are the same.

Consider all Your Insurance Options

You can receive a discount on your premiums if you package your car and condo policies together same insurer.  You will likely be offered condominium insurance coverage through the company that insures the whole building. While this may be useful to make sure all gaps are covered as they know the policies – you’ll still want to make sure your contents and liability limits are adequate.

The buildings insurer may be more expensive and their autos may be more expensive.  So, it’s best to have a local independent agent look over the hazzard insurance policies and run some quotes.  Most condos and town home master policies are written by captive agents who represent only one company.

There are ways to get your insurance lower by paying a higher deductible will lower premiums, as will allowing your provider to deduct your payments from your checking account. New safety and security devices in your unit can make you safer in your home while lowering your rates.

For more info on the available and various condos in Minneapolis

For a condo insurance quote or questions call 61.460.7796 and speak with a downtown condo insurance specialists.

 Insurance Quotes MPLS Condos

Insurance in Minneapolis

The best way to get insurance in Minneapolis – Great Rates for All Drivers and Homes

Minneapolis Insurance

Minneapolis Insurance Specialists represent many companies – not just one. It makes getting affordable rates easier.

Great Auto Insurance and Homeowners in all Minneapolis and Minnesota

Call 612.460.7796 for Insurance in Minneapolis. Auto or Home Insurance for people living in Minneapolis and all of Minnesota. We professionally select rates from some of the best companies licensed in Minnesota including AAA, ASI, Allied, Encompass, Dairyland, Foremost, Integrity, Safeco,Travelers, West Bend and Progressive. We offer the best coverage at the lowest price – not cheap policies for a good price. We know how to get all the discounts and get insured.

We write auto insurance for all drivers. We have companies that offer many discounts that are specially designed to get best bottom prices for the preferred driver. We offer have programs for the driver that is inexperienced or has not had recent insurance or has tickets or accidents or is required to prove insurance to the State with a SR22 certificate. We offer non-owners or named operators insurance for the driver required to carry insurance but does not own a vehicle. We have companies that offer ATV, Boat, Cycle,RV and Classic car Insurance. For Home or Residence Insurance we have companies that will do builders risk, secondary homes and cabins. We guarantee the best Condo, Townhome and Renters Insurance coverage and prices.

Don’t settle for those companies that spend a ton on advertising and only represent one company. Don’t pay high insurance prices for those Super Bowl Commercials. Get choices and options. CALL 612.460.7796 for your Insurance in Minneapolis.

Progressive Agent

Progressive Independant Insurance Agent

How to Save Money on Car Insurance Using a Progressive Agent…

When it comes to car insurance, there are a number of ways – good ways and not so good ways to reduce your premium. And in today’s tough economic times, a little here and there can add up.


Choosing a local independent Progressive agent can mean big savings with the least amount of hassle. Progressive agents recommends asking these five questions:

Can I save by shopping around?  Yes, most likely you can save by shopping.  It will take a lot of time, you’ll have to give your personal info to all kinds of people and place, you’ll have to figure out if you have the right insurance and hope you don’t make any mistakes – like not including full glass coverage or not taking advantage of all the discounts, etc. Car insurance rates can vary by hundreds of dollars between insurance companies,  it does pay to check  the rates to make sure you’re getting the best deal.  It’s just a lot easier to let a good Progressive agent do it for you.  They have insurance knowledge and know how and where to get the best deal.  They work with insurance everyday.  Why mess around and try to do it yourself?  You don’t get a discount for doing it yourself.  Only a fool represents themselves in a court of law and insurance.  You become your own agent when you purchase on your own.

Last year, people who switched to Progressive and saved reported saving an average of $550 on their annual premiums. And because an independent agent represents several companies, he or she can quickly and easily compare rates for you.

Am I carrying the right amount of coverage? Owners of older or inexpensive cars could consider dropping Comprehensive and Collision coverages. Doing that can save hundreds of dollars each year. A common cut off many choose is  $2500.  If it is worth less than $2500 than consider liability only.  If you really need to save money raise your deductibles not lower your liability limits.  You’ll save more and reduce your risk.

Is my policy up to date? If you’ve moved, gotten married, or bought a home, check with your agent – you may be eligible for lower rates. Some companies will allow residents of the same household to be on the same policy and receive multi=policy discounts.

Should I raise my deductible? Maybe – it all depends on your risk tolerance and the vehicles worth. According to the Insurance Information Institute, raising your deductibles to $500 could reduce your Collision and Comprehensive costs by 15 to 30 percent.

Do I qualify for any discounts? Your Progressive agent will know and should ask you questions like..Does your car have anti-lock brakes? an Alarm? Would you like to try Snapshot to see if you could save up to 30% more?  You might also be eligible for discounts if you pay in full, own a home, are a loyal customer, have no recent tickets or accidents, sign up for paperless billing, list another car on your policy, and more.

Does Progressive offer truck insurance in MN? Yes, Progressive offers commercial insurance. It’s best to speak with a local agency that is knowledgeable in trucking. Find info on Truck Insurance MN here !

To learn more, talk to your local Minneapolis area independent Progressive agent or broker. 612.460.7796


Minneapolis Home Insurance

Minneapolis Home Insurance Rhymes

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AAA MN

AAA MN –  save with our competitive rates and extensive discount options.  The Savings You Want.

AAA MN
We represent AAA Insurance in MN and Wisconsin

 

 

 

 

 

 

The Coverage You Need. Rest easy with a policy tailored to your personal coverage needs.

The Service You Deserve. We’re always on call with 24/7 claim service.

The Experience You Expect From AAA. We’ve been serving families for generations.

You’re about to get great coverage and save.

We are AAA Independent agents. We are agents for AAA MN and WI!

Would you like a quote from AAA?

Call 612-460-7796 or Click to See what AAA has for you!           

AAA offers many discounts like:

AAA Membership discount 10% off Auto and 5% off home insurance!

5% off auto and home for having a AAA life policy.

If you belong to certain clubs or groups another 2%

Many other discounts available we can help get them all!

         

 AAA Quote Click Here!

Call your AAA MN independent agent in Minneapolis 612-460-7796

Renters Insurance Minneapolis

Renters Insurance

Many renters don’t understand the importance of renters insurance or how affordable it can be when combined with an auto policy. Most figure or hope anyway that since the landlord likely has insurance on the apartment or house then they are covered should tragedy strike. This is not the case. In most circumstances, only the structure and land are covered by the owner’s insurance, it is up to the renter to cover his personal belongings.

Renter’s insurance is inexpensive. It can cost as little as $7 a month for $10,000 worth of personal property coverage with $300,000 liability coverage. That’s less than the cost of many other item’s to insure all your personal property is protected. Sometimes the package discount savings on auto insurance can be greater than the cost of the renters insurance.

Certain cities cost less than others. For example, Renters insurance Minneapolis is a good bargain. Renters Insurance in MN in most cases offer cheaper insurance for all of your needs then most other states.

Renter’s Insurance covers the personal effects and third party liability of an apartment or house renter. Smart shoppers use a local independent agent with knowledge of the local market coverages and prices to evaluate comparative quotes from many insurance companies. Some elements that are important are the amount of deductible, maximum benefit, per occurrence maximums and the specific events that are excluded in the coverage. A local independent agent can be a real short cut when it comes to comparing as the have many options and can offer more policies.

A basic renter’s insurance Minneapolis policy does not cover certain types of damage like from floods. If you live in an area where such things like earth quakes occur, then you’ll need a separate policy if you want coverage. Additionally, if you live in a coastal region where hurricanes may be particularly destructive, extra coverage might be required for windstorm damage.

 

 

renters insurance

 

 

 

 

 

 

 

A local agent like the ones you’ll find at the Minneapolis Insurance Team can be useful finding and advising you to determine what renters insurance policy coverage is best for your needs.