Five Groups That Really do Need Life Insurance...by Chris Kissell Published April 05, 2013 Bankrate.com
Don't need life insurance because you're retired, single or one of these other types? Wrong! Empty nesters, Singles without children, Small-business owners, Stay-at-home parents: Read full artile here
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Why Your Insurance Premiums Just Went Up (and What to Do About It)
By Rich Smith, The Motley Fool
Have you noticed that your insurance premiums are going up lately? Going up a lot?
You're not alone. According to a new report out from Bankrate.com, more than one-third of U.S. consumers say their insurance costs grew in 2012. In a few cases, this was because people had more things to insure -- they bought a new house, or a second car, or perhaps brought home a new baby, who needed some health insurance. But in the majority of cases -- 62 percent -- consumers say they're paying more simply because their insurance company is charging more.
Insurance professionals estimate the average homeowner's insurance premium has risen 10 percent per year every year since 2008. Read full article here...
Losses to catastrophic weather events rank 2012 among the worst on record
January 3, 2013
GOLDEN VALLEY, Minn. The National Climatic Data Center has issued preliminary year-end statistics for the worst of U.S. weather in 2012 – the so-called “billion-dollar list” – and even without the final tallies filled in, the picture is not pretty.
At least 11 weather events are known to have caused more than $1 billion in economic losses last year. They also killed at least 349 people, a figure that should be taken as a minimum because of the way we count weather-induced mortality.
And though the year saw fewer big disasters than 2011, which had 14, the dollar losses were much larger. Read full article here...
Storms push insurance rates sky-high
Most Minnesotans are without flood insurance
12:46 AM, Jun 22, 2012
GOLDEN VALLEY, Minn. - Most homeowners in the flood-ravaged areas of northern Minnesota will be left high and dry when it comes to financial protection. Statistically, fewer than 1% of Minnesotans have flood insurance.
According to Federal Emergency Management Agency (FEMA) figures, only 329 homeowners in Saint Louis County, which includes Duluth, purchased flood insurance in 2012. In hard-hit Carlton County, the number of policy holders is just 17. Read full article here...
Law Protects Homeowners From Unscrupulous Contractors After Storms
Submitted: Friday, May 18th, 2012, 11:23pm
A new law could protect homeowners from unscrupulous contractors looking to take advantage after storms.
After last May's tornado, the Department of Labor and Industry received at least 20 complaints about contractors overcharging, misrepresenting or doing shoddy work. Many industry experts estimate that dozens more cases went unreported.
Mark Kulda of the Insurance Federation of Minnesota explains.
"After a storm it's really typical to see what we call 'storm chasers.' These are contractors who come in, usually from out of state, and they go into the neighborhoods and try to drum up business. Sometimes they are above board. Most of them are probably ok, but there are certainly some who take advantage of people, and we certainly saw that in North Minneapolis." Read full article here...
Minnesota Home Insurance Rates Likely to Jump 22 Percent
Updated: Friday, 10 Feb 2012, 8:27 AM CST
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Lindeman Insurance Agency, Inc., is a member of the Minnesota Independent Insurance Agents Association, which is affiliated with the National Independent Insurance Agents Association.
Check insurance coverage before tornadoes hit, officials urge
Published : April 19, 2012
by Brandt Williams / MPR News
MINNEAPOLIS — On the afternoon of May 22, 2011, Mary Ann Schissler was at home reading the Sunday paper when she heard the emergency sirens.
Schissler tried to turn on the television to see what was going on, but the power was out.
"I went to the basement for about 30 seconds to check on something, came back up; didn't realize what had happened and opened the front door to the porch and there was debris all over the floor," Schissler said. "And then I looked up and there was no ceiling. I was looking at the sky."
In an instant the tornado ripped away part of her roof and knocked over her chimney. Schissler says she couldn't get out of her front yard because it was full of uprooted trees. Not only did Schissler escape serious injury, she escaped financial tragedy.
Earlier in the year, Schissler had been in the process of switching insurers and went for a while without any coverage. She got a new policy just two weeks before the storm hit. Read more...
AARP-55 Alive/Mature Driving 2011:
AARP-55 ALIVE/MATURE DRIVING (8-hours)
The American Association of Retired Persons (AARP) offers an 8-hour class to people 55 years of age or older. It is designed to help individuals improve their driving skills. By taking this course, you can save money on your car insurance premiums and become a better driver! Minnesota law requires insurance companies to offer you up to a 10% reduction for three years upon completion. The course is two sessions of classroom. It includes a video, work book and class discussion - NO DRIVING AND NO TESTS. Attendance at all 8-hours is required to receive credit.
AARP-55 ALIVE/MATURE DRIVING REFRESHER COURSE (4 -hours)
If you have taken a state approved 8-hour Defensive Driving Course (55 Alive/Mature Driving) in the past, now you can renew your 10%, 3 year car insurance discount by taking this state-approved, 4-hour refresher. There is no driving and no tests. You will receive a certificate of completion to provide to your insurance company. Be sure to bring your drivers license to class. You have a number of refresher classes to choose from.
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