PERSONAL INSURANCE COVERAGE

As an independent agency, we are able to provide comprehensive insurance coverage for both individuals and families at competitive prices. We can create a package just for you and your family that suits your exact needs.

AUTO INSURANCE

Auto insurance is required by law, and provides property, liability and medical coverage in the event of an accident or theft. As an independent agency we can compare a number of insurance companies and offer you the best rates and coverage. Discounts are available with some companies when you pair your auto insurance with your homeowners. There are other discounts that might apply too such as Defensive Driver – a 10% discount.

MOTORCYCLE AND RECREATIONAL

Most states require a minimum amount of liability coverage on your motorcycle with other types of coverage optional. Other recreational vehicles for which insurance is highly recommended include the following; ATVs, RVs, Motorhomes, Snowmobiles and Watercraft

HOMEOWNERS INSURANCE

Your homeowner's insurance policy protects your home, possessions, and occupants in the even of a fire, theft, weather damage and liability claims. Your mortgage lender usually requires that you have insurance.

VALUABLE ARTICLES

Personal items of high value should be listed separately on your homeowner's policy. These might include items such as jewelry, musical instruments, family heirlooms, electronics and golf items.

LIABILITY UMBRELLAS

An umbrella policy provides you with additional coverage above the limits of your existing insurance. It can protect you from major liability claims and from claims that might be excluded by other policies.

HOME-BASED BUSINESSES

If you run a business from your home, you may need additional insurance above what is covered by your homeowner's policy.

HEALTH INSURANCE

We offer our customers a great education in individual or family health insurance. We are a designated agency for Blue Cross Blue Shield of Minnesota. We are also here to help with the transition into/with Medicare, Medicare Supplements and Part D.

DISABILITY

When a person can't work, a disability policy will be there to provide much-needed protection. We can help find an affordable plan that will work for any lifestyle.

LIFE INSURANCE

We offer a variety of life products: term, universal and whole life, along with Long-term Care and Annuities. We are here to make your life easier when it comes to choosing the right insurance for your needs. Whether it is for that new home, auto or future, as an independent agency, we can find the right fit for any insurance need.

307 3rd Street NW | Bemidji, MN 56601 | (218) 751-0821

Statements on this web site as to policies and coverages provide general information only. Insurance coverage cannot be bound nor changed via submission of any online form/application provided on this site or otherwise, e-mailed,voice mail nor facsimile. No binder, insurance policy, change, addition, and/or deletion to insurance coverage goes into effect unless and until confirmed directly by a licensed agent. Any proposal of insurance we may present to you will be based upon the information you provide to us. Please contact our office at 218-751-0821 to discuss specific coverage details and your insurance needs. All coverages are subject to the terms, condition and exclusions of the actual policy issued. Not all policies nor coverages are available in every state. Information provided on this site does not constitute professional advice; if you have legal, tax or financial planning questions, you should contact an appropriate professional. Any hypertext links to other sites are provided as a convenience only; we have no control over those sites and do not endorse or guarantee any information provided by those sites.