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724 Bielenberg Drive, Ste 5
Woodbury, MN 55125

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Minnesota Insurance Blog

Three Reasons to Consider Buying Life Insurance When You Start a Family

Starting a family comes with many responsibilities and considerations. Most people find themselves pondering what would happen to their family if they were no longer around. Planning for the future is crucial, and life insurance plays a critical role in ensuring that your family stays protected.

The thought of not being there for your family’s significant milestones is disheartening, but planning for such uncertainties is vital. At Kriener Insurance, servicing Woodbury, MN, we offer life insurance to our clients. Here are three compelling reasons to consider life insurance when you start a family.

1. Life Insurance Provides Support In Difficult Times

The sudden loss of a loved one can trigger an intense grief process. Life insurance can significantly lessen the financial burden during these challenging times.

2. Life Insurance Offers Peace of Mind

Life insurance can assuage these worries if you’re concerned about your family’s future in your absence. You can rest easy knowing your family will be financially supported, even when you’re not there.

3. Life Insurance Buys Your Family Time To Adjust

When a family member passes away, the transition to a new normal can be taxing. Questions such as who’ll care for the children, how the bills will be managed, or even the necessity of relocating come into play. Life insurance can help to meet these costs during this transition period, making the process less stressful.

Are you considering a life insurance policy? Kriener Insurance, servicing Woodbury, MN, is here to assist. Contact us today.

Insurance for Electric Vehicles: What You Need to Know

Are you considering switching to an electric vehicle, or have you recently purchased one? Here at Kriener Insurance, we serve Woodbury, MN, and the surrounding areas. We understand that insuring an electric vehicle can come with its own set of questions and challenges. That is why we provided some information about insurance coverage for electric vehicles to ensure you’re fully protected and can have peace of mind when traveling.

Understanding Electric Vehicle Insurance Needs

Electric vehicles are different from traditional gas-powered cars, and so are their insurance needs. Generally, electric vehicles may require higher insurance premiums due to their advanced technology because of the cost of their parts and the specialized repairs they might need if damaged. 

Coverage Essentials for Electric Vehicles

When insuring your electric vehicle, there are a few coverages you’ll want to ensure are included in your policy. Comprehensive and collision coverages are crucial, as they protect against physical damage to your vehicle. However, you should also consider additional liability coverage, as the higher value of electric vehicles can increase potential liability costs.

Special Considerations Like Batteries 

Owning an electric vehicle also brings some unique considerations. Battery coverage is a significant aspect since replacing an electric vehicle battery can be extremely costly. So keep that in mind.

Ready to Secure Your Electric Vehicle with the Right Coverage today?

If you’re in the Woodbury, MN, area and considering insurance for your electric vehicle or want to update your existing coverage, contact us here at Kriener Insurance. We’re here to help you navigate the specifics of electric vehicle insurance, ensuring you have the protection you need to drive confidently and securely. Let’s talk about how we can meet your insurance needs today.

Does Commercial Insurance Cover the Replacement of Stolen Equipment?

How Commercial Insurance Can Aid in Equipment Replacement

Here at Kriener Insurance, based in Woodbury, MN, we understand the concerns faced by business owners when it comes to replacing stolen equipment. Often, the major obstacle in compensating for such losses is insufficient funds. Insurance policies vary significantly, but certain plans may assist business owners in bearing these costs, as defined by the policy’s terms and within its limits.

Can Commercial Insurance Cover the Replacement of Stolen Equipment?

While a blanket answer doesn’t exist due to the diversity of insurance plans, some commercial insurance policies will cover the expenses of replacing stolen equipment provided certain stipulations are met. Commercial insurance typically won’t cover the stolen equipment if its value is not part of the business or its value exceeds the policy’s limits. However, if the terms of your policy cater to such a scenario, the costs of replacing stolen equipment may be partly covered.

If your business equipment is stolen, adhere to all prerequisites when filing a claim. If you’re uncertain whether your stolen equipment is covered under your commercial insurance, you can reach out to insurance professionals. As experts in the field, they would be pleased to guide you.

If you want information on the scope of commercial insurance coverage, contact Kriener Insurance in Woodbury, MN. Our team would relish the chance to illustrate how commercial insurance can shield your business against theft, liability, and more.

Purchasing Home Insurance

Having secured homeownership, it is time to take responsible measures to protect your property from mishaps. With the proper guidance, purchasing home insurance is indeed manageable.

Key Aspects to Consider

Before you buy home insurance, consider a few elements: Which possessions would you like to cover? How much home insurance will be adequate? Which company can effectively cater to your requirements? Which policy type is optimal for you?

Identifying Assets for Coverage

Do you own valuable assets such as jewelry, artwork, or expensive antiques? Owning a swimming pool could entail potential risks and liabilities, thus requiring extra coverage. Be mindful that many home insurance policies don’t include flood insurance.

Estimating the Required Insurance

You should estimate the cost to rebuild your house, which includes outdoor furniture and personal items, while taking note of the replacement costs. Keep an up-to-date documentation of your belongings.

Selecting a Home Insurance Company

The ideal company should provide coverage in your area, offer attractive discounts and competitive rates, have a good financial strength rating and positive reviews, and provide considerable support.

Choosing a Homeowner’s Insurance Policy

Upon assessing what coverage is needed and the insurance amount needed, it’s time to settle on a policy. Do not wait for a disaster to strike before reviewing your insurance policy. Always do so beforehand.

Insurance Services at Kriener Insurance in Woodbury, MN

If you are a homeowner needing home insurance in the Woodbury, MN area, consider the services of Kriener Insurance. Our dedicated, knowledgeable agents are committed to meeting your insurance needs.

Everything You Always Wanted to Know About Renter’s Insurance

There are some advantages to living in a rental property. If a pipe bursts or a pest problem gets out of hand, you can always get your landlord to take care of it. However, your landlord can’t be held responsible for everything, so having some renter’s insurance to cover the unforeseen is a good idea. Of course, there are a few things you may want to know before getting into renter’s insurance. 

Is Rental Insurance a Requirement?

Not by law, but some landlords will make it part of the lease agreement. It’s proof that you’re a low-risk tenant and will cover housing costs should you be displaced due to damage to the rental property. 

What All Does Rental Insurance Cover?

The standard policy covers liability, medical payments, loss, and personal property. If someone or their property is damaged on your rental property, rental insurance covers that and pays off their medical bills. If you can’t use your rental property because of damage, rental insurance will pay your hotel fee and restaurant bills. If your belongings are damaged, rental insurance will cover that. 

Is Rental Insurance Expensive?

Some policies are so inexpensive that college students can afford them. College students and renters with very little in the way of savings are prime candidates for rental insurance to prevent being wiped out by an unavoidable disaster. 

Will My Roommate’s Policy Cover My Belongings?

This is one thing roommates don’t typically share. Not all insurance companies or states will allow roommates to share a policy, so it may be best to get your own.  

Contact Kriener Insurance in Woodbury, MN

Do you have more questions? Most likely, you do. If you are in Woodbury, MN, the agents at Kriener Insurance will be happy to help with any questions or concerns. 

Is Filing a Claim for Umbrella Insurance Complicated?

Whether you’re a Woodbury, MN resident who will be filing an umbrella insurance claim for the first time or have just purchased a policy and you’d like to know what the process is like, that’s understandable. Only certain people purchase umbrella insurance policies, usually those with higher incomes and assets worth more than the average person. While many people believe that filing an umbrella insurance claim is complicated, it doesn’t have to be. Here is what you can expect when filing an umbrella insurance claim:

Know When to File an Umbrella Insurance Claim

There are only certain times when a person needs to file a claim against their umbrella insurance. Umbrella insurance is available to ensure you’re not paying out of pocket after your primary homeowners, auto, or some other type of insurance has been exhausted. For instance, if you cause a severe car crash that causes many people to become seriously injured, you should file a claim with your auto insurance first. 

Filing an Umbrella Insurance Claim is Easy

It’s easy to file a claim with your umbrella insurance, and you can contact them by phone or file a claim online just like you did with your auto or homeowners insurance. As long as your deductible has been met, your umbrella insurance provider should approve your claim after an investigation. While there’s never a guarantee that your claim will be approved, as long as the insurance company has all the facts necessary, the claim should be pretty uncomplicated. 

As you can see, filing an umbrella insurance claim doesn’t have to be overwhelming. Your insurance agent can walk you through the process, which will hopefully be over soon. If you’re in the Woodbury, MN area and need a new insurance provider, consider us at Kriener Insurance. At Kriener Insurance, we go above and beyond to ensure fair prices and excellent customer service. 

Don’t Neglect High-Quality Life Insurance When Starting a Family

Life insurance is a critical protection that helps families around the world recover after the death of a loved one. At Kriener Insurance, we know that many Woodbury, MN residents are looking to start families soon, and they deserve great insurance that makes sense for their needs.

Your Family Deserves Protection 

Here’s the thing about starting a family: you’re basically expanding your responsibilities exponentially. Even marrying someone or committing to a partner deepens your range of personal demands. Furthermore, having children complicates this process even further. 

Even if you’re young, you might pass away unexpectedly. If you’re the leading financial partner in the family, they might struggle after. As a result, it’s essential to protect them in any way you can by providing high-quality life insurance that meets their needs for years to come.

Choosing a Life Insurance Policy 

When picking a life insurance policy, knowing what types are available is important. Term life insurance covers you for a specific number of years or a “term.” This often includes 20-30 years. If you’re young, this might not be your best option, as whole-life policies cover the rest of your life. 

Note that you also have to consider things like who gets your payout and the amount of money they receive. Talk with your family about this situation to gauge how much you can afford to pay and find a policy that will cover your burial and provide a little cushion after you pass.

Get Help Today

With the support of our crew at Kriener Insurance, you can find a life insurance policy in Woodbury, MN, that works for your needs. Just as importantly, you can protect your family and avoid serious long-term problems. Call us today to set up your appointment and to buy a policy that works for you.

What’s the Difference Between Comprehensive and Collision in Auto Insurance?

Comprehensive and collision are two of the most significant types of auto insurance coverage to understand. While drivers in Woodbury, MN generally aren’t required by state law to carry these coverages, they can provide important substantial protection if there’s a covered accident. Both coverages help pay to repair or replace your own car.

Collision Insurance Explained

Collision insurance normally covers your vehicle if you’re involved in a collision, which is generally defined as hitting another moving vehicle. It usually covers damages to your car if someone else hits you or if you hit someone else.

Neither collision nor comprehensive cover damages to other vehicles. That’s what liability coverages are for.

Comprehensive Insurance Details

Comprehensive insurance, on the other hand, covers situations that aren’t collisions with other vehicles. This includes theft, damage from weather events like hail or tornadoes, fire, falling objects, and even riots or vandalism. Hitting animals and telephone poles can also qualify as comprehensive claims since no other vehicle is involved.

Again, comprehensive coverage typically applies to damage your vehicle sustains during these events.

Choosing a Deductible

Both types of insurance typically come with a deductible, which is the amount you pay out of pocket before your insurer pays the rest. Selecting a higher deductible can lower your premium costs, but it means you’ll pay more when you file a claim.

Get Help Finding the Right Auto Insurance Protections

If you need help insuring a vehicle in Woodbury, MN, contact us at Kriener Insurance. We can help you sort through collision coverage, comprehensive coverage, and other important auto insurance protections.

Will commercial insurance cover the personal car I use for business?

Business insurance covers most or all of the working parts of your business. This includes liability coverage for accidents, lawsuits, losses, and much more. Commercial insurance is versatile in that it’s designed to fit the unique needs of different businesses. Many business owners use vehicles to meet the needs of their businesses. As a result, auto insurance is a necessity. Your commercial insurance can also cover your vehicle for business use. The Kriener Insurance group is here to help St. Paul and Woodbury, MN business owners understand the benefits of commercial insurance and get the coverage they need. 

What is Commercial Insurance?

Commercial insurance is designed for businesses, not individuals. Typically, business insurance provides coverage that ranges from coverage for natural disasters, lawsuits, accidents, employee injuries, and more. Commercial insurance is versatile in that it’s designed to meet the specific needs of a business. Worker compensation is a part of commercial insurance that protects employees injured on the job. In short, commercial insurance provides coverage for the employees and the business itself.

Will Commercial Insurance Cover the Personal Car I Use for Business?

No. Many business owners use their vehicles for business. However, they must also carry commercial auto insurance for their personal vehicle to be covered for business activities. If you have an accident while using your personal car for business, your personal auto insurance doesn’t have to cover the accident. Personal car insurance is designed to cover accidents that cover personal use, not business use. Commercial insurance can also include commercial auto insurance. You can use your personal car for business. However, you need to purchase or add commercial auto insurance coverage to your business/commercial policy. If you have questions about commercial insurance and what it covers, call Kriener Insurance Group in Woodbury, MN. We’d be happy to help you explore your options. 

My mailbox was vandalized. Will my homeowners’ insurance pay for the repair or replacement?

Homeowners have a variety of responsibilities regarding the upkeep and care of their homes. Many of these responsibilities can be costly if a homeowner is required to pay for the repair or replacement of these things out-of-pocket. Fortunately, homeowners insurance provides protection and coverage for homeowners and their homes and personal property. Our team at Kriener Insurance understands the responsibilities and financial liability that homeowners carry and is committed to helping Woodbury, MN homeowners understand the many benefits of homeowners insurance. 

What are some Benefits of Homeowners’ Insurance?

Homeowners insurance provides liability protection for homeowners, as well as protection and coverage for the home and personal property. If a covered incident occurs, homeowners insurance pays for the repair or replacement of the house and the repair or replacement of a homeowner’s personal property. Homeowners’ insurance up to a certain covered amount provides the funds needed to rebuild a structure. Liability coverage is also a benefit if someone is injured on your property or someone’s personal belongings or property is damaged while they are visiting your property. Liability coverage also includes legal protection for homeowners. 

Will my homeowners’ insurance pay for repairing or replacing my mailbox?

Yes. Your homeowner’s dwelling coverage would cover vandalism and pay for the repair or replacement of your mailbox. This coverage also includes damage to your yard, patio furniture, and more. If you had a she-shed that was vandalized, it would also cover the repair for replacement. Any vandalized structure or personal item on your property is eligible for dwelling coverage. Homeowners insurance will cover any damage caused by a covered peril or incident. If you have more questions regarding homeowners insurance benefits, call Kriener Insurance in Woodbury, MN. We’d be happy to answer them and help you explore your options. 

Partner Carriers

  • AAA
  • Allstate
  • American Modern
  • Badger State
  • Bedford Underwriters
  • Bristol West
  • Burns Wilcox
  • Encompass
  • Foremost
  • Integrity
  • Kempers
  • Main Street America
  • Metlife
  • Nationwide
  • Progressive
  • RPS
  • Safeco
  • State Auto
  • The Hartford
  • Travelers
  • Wilson Mutual