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Home & Auto Insurance

We are an independent insurance and risk management organization representing many of the world's leading insurance companies, therefore we can provide you with the options and pricing that are right for you, without the hassle of shopping around on your own.  Managing your day to day risk is more than purchasing insurance policies, it's about preventing losses and protecting your valuable assets.  

From helping young individuals and couples, to protecting the lives of families and retirees, we have the expertise and products that will make life more secure.  Our personal insurance professionals can help reduce your risk by assisting you in choosing the right elements of coverage.  Contact one of our specialists today for a 
Personal Shield™ Risk Assessment, or you can receive a quote by selecting your area of interest below.

 
Home Insurance Quote

Homeowners insurance provides financial protection against disasters. A standard homeowners insurance policy insures the home itself and the things you keep in it. Homeowners insurance is a package policy. This means that it covers both damage to your property and your liability or legal responsibility for any injuries and property damage you or members of your family cause to other people.

Auto Insurance Quote

Auto insurance protects you against financial loss if you have an accident. Auto insurance is a contract between you and the insurance company. You agree to pay the premium and the insurance company agrees to pay your losses as defined in your policy. Auto insurance provides property, liability and medical coverage; p
roperty coverage pays for damage to or theft of your car, liability coverage pays for your legal responsibility to others for bodily injury or property damage, and medical coverage pays for the cost of treating injuries, rehabilitation and sometimes lost wages and funeral expenses.

Motorcycle Insurance Quote

You'll enjoy being out on the open road even more when you're not worried about the safety of yourself, your passengers or your investment. Here are a few things to consider about insuraning your motorcycle - i
f you're in an accident or your motorcycle is stolen, it costs money, often a lot of money, to fix or replace it. If you or a passenger is injured in an accident, medical costs can be extremely expensive. If your motorcycle is responsible for damage or injury to others, you may be sued for much more than you're worth. Your motorcycle may be one of your most prized possessions. It deserves special protection.


Recreational Vehicle Insurance Quote

Your recreational vehicle is, just like an automobile, a moving vehicle that can cause bodily injury and property damage to others. In order to help pay for any damage you inflict, you should secure liability insurance. This policy can also help cover the cost of environmental cleanup after an accident that causes the spillage of a toxic chemical or other pollutant. Recreational vehicle coverage can include financial compensation in the event of physical damage, vandalism, theft and collision. In addition, your policy may allow for reimbursement of personal effects stored on a vehicle such as an RV, boat or snowmobile. In some cases, you may want to consider adding specialized coverage for additional risks including the loss or damage of awnings and custom equipment. If you have an RV that you live in part or full time, you may need extended protection.


Watercraft Insurance Quote

Home and auto insurance policies may provide limited coverage for personal watercraft. You may want to consider purchasing a personal watercraft policy to protect yourself and your water vehicle in the event of an accident. The personal watercraft policy covers; bodily injury, property damage, guest passenger liability, medical payments and theft. Your watercraft also needs protection when it's on land. Accidents can happen while towing a watercraft.

Life Insurance Quote

There are many kinds of life insurance, but they generally fall into two categories: term insurance and permanent insurance. Term insurance is designed to meet temporary needs. It provides protection for a specific period of time (the "term") and generally pays a benefit only if you pass away during the term. This type of insurance often makes sense when you have a need for coverage that will disappear at a specific point in time. In contrast, permanent insurance provides lifelong protection. As long as you pay the premiums, and no loans, withdrawals or surrenders are taken, the full face amount will be paid. Because it is designed to last a lifetime, permanent life insurance accumulates cash value and is priced for you to keep over a long period of time. Selecting the kind of life insurance coverage that's right for you depends on your unique circumstances and financial goals.

Disability Insurance Quote

There are two types of disability policies: Short-Term Disability (STD) and Long-Term Disability (LTD). Short-Term Disability policies (STD) have a waiting period of 0 to 14 days with a maximum benefit period of no longer than two years. Long-Term Disability policies (LTD) have a waiting period of several weeks to several months with a maximum benefit period ranging from a few years to the rest of your life.

Long Term Care Insurance Quote

Because of old age, mental or physical illness, or injury, some people find themselves in need of help with eating, bathing, dressing, toileting or continence, and/or transferring (e.g., getting out of a chair or out of bed). These six actions are called Activities of Daily Living–sometimes referred to as ADLs. In general, if you can’t do two or more of these activities, or if you have a cognitive impairment, you are said to need “long-term care.” Long-term care isn’t a very helpful name for this type of situation because it might not last for a long time. Some people who need ADL services might need them only for a few months or less. Many people think that long-term care is provided exclusively in a nursing home. It can be, but it can also be provided in an adult day care center, an assisted living facility, or at home. 

Insurance Carriers

 

 

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174 Center Street | Winona, MN 55987
O: 507-452-3366 | TF: 800-657-4448
975 34th Avenue, Northwest Suite 302 | Rochester, MN 55901
O: 507-424-4400 | TF: 800-657-4448