Personal Insurance

A tenant slipped on the sidewalk in front of your rental — are you on the hook, or is the city? Honest answers for MN and AR landlords, plus the five practical moves that lower your liability before it ever happens.

Your commercial auto policy probably doesn't cover your sub's truck, a rental box truck, or your employee's personal car when they're running parts. Here's exactly what's missing — and how to fix it before the lawsuit hits.

Most MN landlords are on the wrong policy form and don't know it. Here's the real difference between DP1, DP3, and HO-4 — and how to tell which one your rental actually needs before the next claim hits.

Most AR Airbnb hosts find out their insurance doesn't actually cover them at the worst possible moment — when a guest claim hits. Airbnb's AirCover isn't real insurance, your DP3 probably has a transient occupancy exclusion, and the fix is simpler than you think.

Owning even one rental property changes your liability profile. Here's what a landlord umbrella actually does, why your personal umbrella probably doesn't cover your rentals, when you really need one, and how to think about the right limit for your portfolio.

Make your Halloween celebration safe and worry‑free. Clear and light your walkway, secure decorations and pets, and learn how homeowners insurance and smart gadgets can protect you—and even lower your premiums—throughout the season.

Halloween safety doesn’t have to be scary. See how one chaotic night turned into a lesson on home protection with five simple must-haves — surge protector, outdoor lighting, pet gate, stair treads, and a security camera — that keep your home and insurance record safe from spooky surprises.

A true story of trust gone wrong — and what one homeowner learned after a contractor vanished mid-renovation. Discover why asking for contractor insurance certificates can save your wallet and your peace of mind.

A quiet foggy night turned into a roadside lesson in preparedness. When a deer darted across my path, five essentials from my roadside emergency kit — and a bit of luck — turned a horror-night breakdown into a safe ride home.

Winter tires aren’t just safer — they’re smarter. Learn how the right set can prevent accidents, protect your premiums, and keep you confidently on the road this winter.

Home safety upgrades aren’t just about protection — they can save you money. Discover how smart security systems, leak sensors, and backup power devices reduce risks, prevent costly claims, and qualify homeowners across the U.S. for lower insurance premiums.

Renters face real risks year-round — from frozen pipes to package theft. Learn how pairing renters insurance with smart security like Blink Wireless Cameras keeps your home protected before, during, and after a loss.

Winter in Minnesota can be brutal on homes—and your insurance. Learn why reviewing your homeowners policy before the deep freeze can save you money, prevent claim headaches, and keep your coverage airtight through snow, ice, and subzero temps.

Accidents rarely happen when you expect them. Learn how Minnesota drivers can unlock auto insurance savings through smart policy choices and a short safety class.