South Lake Agency Blog

AD&D pays only for accidents, while life insurance covers death from almost any cause. See the real differences, costs and gaps, and how to choose.

A broker of record letter moves your insurance account to a new broker. Learn what it transfers, how to write one, and the risks to check before you sign.

Learn what an insurance declarations page is, what each section means on auto and home policies, and how to check yours for errors before they cost you.

Does homeowners insurance cover tornado damage? See what is covered, how wind deductibles work in Minnesota, and what to do before and after a storm.

Does renters insurance cover your roommate? Learn when to share a policy, when to split, and how students and dorm residents should handle coverage.

What second home insurance covers, why it costs more, and how to insure a cabin or vacation property, including vacancy rules, rentals and flood.

Use your declarations page to align coverage across 3–5 auto insurance quotes, then compare total cost, insurer complaints, and financial strength.

Compare three U.S. options for a home based business, see where homeowners coverage falls short, and learn what to gather before requesting quotes.

See what homeowners insurance and home warranties cover, what lenders require, how builder warranties and solar panels fit, and what to check before closing.

Learn who permissive use auto insurance covers, which policy limits to check, and how a checklist and broker review can reduce risk before lending your car.

Full coverage car insurance costs more than liability. Apply the 10% vehicle value rule, compare deductibles, and get quotes from an independent broker.

Learn what business personal property insurance covers, where exclusions leave small businesses exposed, and how to document assets before getting a quote.

No exam life insurance can speed approval but may cost more or limit coverage. Learn how underwriting works and compare both quote types before buying.

Need a workers’ comp ghost policy to meet a contract requirement? See who qualifies, what the COI proves, owner exclusions, and Minnesota rules.

Learn when and how to convert term life to permanent coverage—conversion windows, partial conversions, step-by-step timing to avoid gaps, and side-by-side...

Statute-backed quick reference to Minnesota claim deadlines: acknowledgment rules, 30-day PIP payments, 60-day proof-of-loss, plus a 10-step checklist to...

Small business checklist: Employment practices liability coverage, exclusions, and how to get quotes from 20+ carriers with no broker fee.

Minnesota guide for business owners: how 30/60/10 minimums leave gaps, when FMCSA raises limits, and broker steps to secure proper coverage.

Add a teen driver in Minnesota with confidence. Learn the $40,000 PIP rule, what raises premiums, five practical steps to add your teen, and how a local...

See whether a Minnesota hail claim will pay. We show the math (2% = $8,000 on a $400,000 home), state rules, and a key 2024 court ruling.