
Home & Auto
AKA Property and Casualty
This is a type of insurance that protects both your personal property (like your home or car) and covers your liability if you cause damage to someone else's property or injure them through an accident. Essentially, it's a combined coverage for both your assets and potential legal responsibility for harming others

HOME
There have been big changes in home owner’s insurance. You have most likely noticed your rates going up. As our weather changes so does the way insurance companies cover our homes. Let’s talk about what that means for you!
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But choosing a policy is more than just finding the best rate. Let’s also make sure you have coverage for replacing your home and your personal property. There’s a lot that goes into and we would love to talk with you about things like, rebuild cost, discounts for security alarms, special items you may want to cover, underground utility coverage, proving your roof age, and whole lot more!
Fill out this form for a no-cost, no-obligation insurance review.
AUTO
Everyone that owns a vehicle needs to deal with auto insurance. Sometimes it may feel like a necessary evil. But we see it as protecting your assets!
There are two essential things to consider when choosing your car insurance policy: getting the best rate AND buying a policy that offers complete and proper coverage. We can help you find that policy.
Understanding the parts of an Auto Insurance policy:
Liability: This is required in nearly every state. This part helps you pay for damage or injury you cause to others in an accident. For example it may look like 100/300/100. This means you have $100,000 if only one person in the vehicle was injured by you, $300,000 for everyone in the vehicle, and $100,000 for all the property damage. But beware - these numbers don’t go far! A larger policy will give you more protection. We can help you explore what is right for you.
Personal Injury Protection (PIP): This coverage means you will have a set amount for medical bills no matter who’s fault it is. This is mandatory in no-fault states (like Minnesota), but not in others (like Wisconsin).
Collision: This covers the cost of repairing or replacing your vehicle if it is damaged in an accident. This is required for all vehicles with a loan on them. If you don’t have a loan on your car, but you can’t afford to pay for a replacement out of pocket, collision coverage is still a good idea.
You will have to choose a deductible for your collision insurance. This is the amount you would pay out of pocket in the event of an accident.
Comprehensive: This helps pay for repairs and replacements to your vehicle if it’s damaged by something other than a collision such as theft, vandalism, fire, weather like hail, accidents with animals, falling objects, glass or windshield damage.
There are lots of extras that can be added to your policy. Let’s talk about whether any of these would be right for you: loan gap, reducing deductibles after you go without an at-fault accident for some time, pet coverage, life insurance, coverage for lost wages, roadside assistance, rental car allotment if your vehicle was damaged in an accident.
Let’s also make sure you can take advantage of all the discounts that may apply to you such as taking a defensive driving course if you’re over 55 or your young drivers have good student records.
Reach out today for a no-cost review of your coverage. We can help improve your insurance situation.
Protecting what you've grown
Our Tree Top Agents will help you find the best rate for your policy, AND make sure you're covered in all the ways that matter.