Insurance quotes and assistance

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Auto Insurance

Commercial Auto Insurance and Personal Auto Insurance
Keeping Auto Insurance Premiums Low
Take Advantage of Insurer Websites
Am I The Only One That Thinks Auto Insurance Rates Are Freaking Ridiculous?!
Flustered About Auto Insurance?
Auto Claim DENIED…WTH!!!
How much auto insurance do I need?
Do all states have a mandatory auto insurance minimum?
How do I get the best policy value for my money?

Health Insurance

Health Insurance Decisions
Do you need health insurance?
Indemnity Plans
Health Insurance Dissected…Lighten Up!
5 Things Every Health Insurance Policy Holder Needs to Do Now
Tips for Working with Customer Service
What are the most popular types of health insurance plans available?
What exactly does my health insurance premium pay for?
What is a main hospital plans?

Home Insurance

Renters Insurance Stripped
Whose Home Insurance is Responsible?
Umbrella Insurance
Expecting Home Insurance Premium Increases
5 Steps Home Insurance Policy Holders Must Take Now
What Home Insurance doesn’t Cover
Do I have to have home insurance?
How do I get the homeowners policy that gives me the best value for my money?
What if someone is injured on my land?

Life Insurance

Don’t Screw Up Your Life Insurance!
The Case for Term Life
Lying to Insurers
It’s Time To Stop Bashing Life Insurance Coverage! Have You Got A Better Solution?
Should You Sell Your Soul To The Insurance Company In The Pale Moonlight?
Do You Need a Trust?
How much life insurance do I need?
How do I get a life insurance policy that offers the best value for my money?
Should my spouse and I have separate life insurance coverage?

Minnesota Insurance Guide

Minnesota has many amazing parks, lakes and wildlife for both visitors and residents to enjoy. As a state that really caters to its residents, Minnesota also has some reasonable and conservative insurance regulations that keep its citizens protected.

Minnesota Auto Insurance

Minnesota auto insurance regulations require residents of the state to have liability insurance. They require at least $30,000 bodily injury coverage in the event of a single-person injury, $60,000 for multiple person injuries and just $10,000 for property damage liability.

This no-fault state also requires personal injury protection (PIP) and uninsured motorist coverage making Minnesota auto insurance regulations fairly comprehensive.

Minnesota Health Insurance

Minnesota health insurance regulations do not require that health insurance companies provide automatic coverage for pre-existing conditions. They do, however, have a high-risk pool to provide insurance for those who would otherwise be uninsurable. In addition, they allow the contribution to your health savings account (HSA) to be deducted from your state income tax.

Group polices can have as few as two participants and Minnesota health insurance regulations do allow for pre-existing conditions to be excluded from group coverage for up to 12 months if there was a 63 day or longer break in coverage over the past 6 months. Group health insurance rates are protected from becoming cost prohibitive by the existence of rate bands.

Minnesota Home Insurance

Minnesota home insurance regulations do not require all home owning residents of the state to be covered by insurance. With that said, it is important to remember that your individual lender may require it if you still have an outstanding loan or mortgage on the property.

While regulations may not require it, Minnesota home insurance does protect homeowners against damages to their home-including those caused by the tornadoes the state is prone to suffer.

Minnesota Life Insurance

The Minnesota Life and Health Insurance Guaranty Association created in 1977 ensures that policyholders in the state will get some remuneration even if their Minnesota life insurance company becomes insolvent. But that does not mean you are guaranteed the full death benefit of your policy. The association covers life insurance death benefits up to a national high of $500,000 and net cash surrender up to $130,000.

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