Personal Lines

What Covers It?

What Covers It?

You haul trailers, fish houses, campers & more… …But what covers it in the event of an accident? First, it is important to differentiate between Personal Auto insurance and Commercial (Business) Auto insurance. There are different answers, depending on the use of the property. You’ve probably been told that a trailer being hauled is typically […]

After-School Safety

After-School Safety

After-School Safety Tips for Parents and Kids Parents, class has been back in session in Minnesota for nearly a month, so you’ve likely already reviewed the basic safety tips for kids who walk or bus to and from school. Those tips, of course, are: Walk with a buddy Stay in well-lit areas Never accept a […]

August 1: Hands-Free Cell Phone Law

Hands Free MN

Hands-Free Minnesota! Did You Know? Minnesota law will require drivers to put down their phones and go hands-free while driving. The state’s hands-free cell phone law takes effect August 1 and makes Minnesota the 19th state, along with Washington, D.C., to enact laws regarding hands-free use while driving. We at Town & Country Insurance care […]

Reduce Your Auto Insurance Rates

Reduce Your Auto Insurance Rates

What Makes Rates So High? You’ve heard the stories… insurance costs more for males than females; you pay higher rates the younger you are; single people pay more than married couples… And the majority of this is true! This guide will help you understand what factors are considered, and provide tips you can use to reduce your […]

What is a paramedical exam?

Paramedical Exam

What is a paramedical exam? If you have ever applied for a Life Insurance policy, then you may have heard of a paramedical (paramed) exam. A paramed exam is an exam done by a medical professional and is used to gather data about your medical history and current medical status. They may take measurements, like […]

Insurance Premium Scam Alert!

Scam Alert

Scammers Are Impersonating Insurance Companies & Agents Recently, a customer of ours was contacted by a scammer who was impersonating an insurance company representative. The scammer insisted the customer’s policy was going to cancel if they did not pay (over the phone) immediately. Thankfully, this raised a red flag with the customer. They contacted their […]

Your Puppy Ate WHAT?

Your Puppy Ate WHAT?

It’s not what you are thinking – In fact, I dare say you’d never guess. A few years ago, I brought home Jackson – a lively, mischievous, and adorable blue-heeler puppy! He got along great with the kids, the cats, the chickens, and his older brother Willy. He would also turn out to be a […]

Do I Need Flood Insurance?

Flooded Town

“We don’t need flood insurance, we don’t live by a lake”, “We are up on a hill, we don’t need flood insurance” or “It will never happen where we live”. I hear these answers a lot when the question of flood insurance is brought up. As we’re getting to the end of winter, the spring months are right […]

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