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724 Bielenberg Drive, Ste 5
Woodbury, MN 55125

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Minnesota Insurance Blog

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. 

You May Need Renters Insurance More Than You Think

Renting a home or apartment has become a popular option for many people. Individuals who do not want the financial responsibility of home ownership may choose to rent. People often think they don’t need renters insurance because they choose to live minimally and have few possessions. However, they might not realize how expensive it would be to replace the items they do have. Renters insurance is a cost-effective way to protect yourself against costly losses if a hazard occurs. At Kriener Insurance in Woodbury, MN, we can help you get the insurance coverage you need while renting your living space.

Everyday Items Cost Thousands To Replace After A Loss

Fire, theft, or vandalism can be an upsetting event, but it can also be expensive. You may have designer clothing that would be a significant expense to replace. You may have high-end electronic equipment that you depend on for work or for your own personal use that would make a big dent in your savings to replace. Sports or gym equipment can be a significant expense to replace after a loss event. If you have jewelry, furs, or artwork, you would have a significant loss if you had to replace these items on your own. That’s why renters insurance makes so much sense. If an unexpected loss occurs, you are not left with the full cost of restoring your possessions.

What Does Renter Insurance Cover?

Many renters think their landlord’s insurance will cover their possessions if a loss occurs, but this is not the case. Renters insurance covers such items as clothing, shoes, furniture, electronics, appliances, home linens, hobby equipment, musical instruments, bicycles, and kitchen equipment. Your renter’s insurance policy also provides funds for alternative living costs while your apartment is being repaired and restored, which also helps to limit your costs when a loss occurs.

Renters Insurance Also Protects Your Finances

Renters insurance also provides liability coverage in case someone is hurt while on your property. Insurance coverage can protect you against expensive lawsuits resulting from a fall, a dog bite, or other accidents.

Make Kriener Insurance Your Agent For Renters Insurance

If you have questions about renters insurance coverage, you can rely on our experienced agents in Woodbury, MN to provide the answers you need to make the right decision. We offer many insurance products for our clientele, including auto, home, watercraft, health, and life. Contact Kriener Insurance today for a no-obligation quote on renters insurance that will help you avoid expensive replacement costs in case of a loss event.

What Does Umbrella Insurance Cover: A Guide to the Right Policy

When you look into insurance coverage, you probably focus on things like auto and home. Those are important, but they aren’t necessarily enough. Depending on the coverage limits for your policies, you might find that a claim would exceed those limits. That could potentially put your assets and your future at risk. If you’re in the Woodbury, MN area, Kriener Insurance can help you reduce that risk with an umbrella insurance policy.

Many people assume that umbrella coverage is only needed if you have a lot of assets, but that’s not necessarily the case. Nearly anyone can benefit from this kind of policy because it adds an extra layer of protection on top of what you already have. Much like an umbrella that covers you when it rains, an umbrella policy gives you coverage from the unexpected.

Many companies offer umbrella coverage, and they can have different limits, requirements, and other details. So, how do you know which one you should choose? That’s where a trusted insurance agent comes into the picture. It’s essential to get the best option for your needs; an agent can give you plenty of good advice. By showing you different policies from insurers, your agent can help you choose the one that’s truly right for you.

If you’re looking for umbrella insurance in the Woodbury, MN area, contact us at Kriener Insurance today. We’re here to help you find the policy that meets your needs, so you can have coverage over and above what your other policies provide. Not only does that help you protect your assets, but it can also go a long way toward giving you additional peace of mind.

Safeguard Your Family’s Future: Why You Need Life Insurance in Minnesota

Are you considering getting life insurance to help shield your loved ones from financial devastation upon your passing? Life insurance provides financial protection and support for the family of policyholders in the event of their death.

Kriener Insurance in Woodbury, MN, can help you and your loved ones choose the best life insurance policy for your needs. 

A Minnesota Life Insurance Policy is an Investment in Your Family’s Future

Not having the right life insurance policy in place can wreak havoc on your family’s finances when they can’t afford to pay essential bills like mortgages, rent, or other immediate expenses upon your passing. 

Choosing the best life insurance policy to protect your family’s financial interest is an investment in your family’s financial future that can be felt for generations. 

Financial Protection for Your Loved Ones 

One of the primary benefits of having life insurance is that it shields your loved ones from financial ruin. 

Your life insurance policy can help your closest family members cover some or all of the following expenses. 

  • Funeral-related Expenses
  • Burial Costs
  • Mortgage payments
  • Rent Payments
  • Educational Costs
  • Daily Living Expenses
  • Outstanding Debts

Experienced agents can help you choose the best policy. 

Get Sound Insurance Advice from Compassionate Minnesota Life Insurance Experts

Life insurance policies come in a variety of shapes and sizes. Learning about the various insurance options like term life, whole life, and premium policy add-ons like estate planning can help secure your family’s financial future. 

Trying to sort out the details and choose the best policy doesn’t have to be complicated when you talk to an experienced insurance agent at Kriener Insurance in Woodbury, MN, to learn about more benefits that life insurance can offer you and your family. 

Coverage you can add to a basic auto policy

The first thing that you want to be sure of is that your car has basic auto coverage. This is what is mandated by the state. At Kriener Insurance in Woodbury, MN, we are independent insurance agents who work for our customers. We ensure we find the right policy at the right price to meet your particular needs. 

In Minnesota, the basic auto insurance requirements are liability coverage of 30/60/10, PIP of 40/20/20, and underinsured and uninsured coverage of 25/50. This covers other people who might be injured in an accident you are responsible for. It is $30,000 for one person injured, $60,000 total for all injuries in an accident, and $10,000 for damage to their vehicle. 

PIP is personal injury coverage for hospitalization and loss of wages etc. Uninsured and underinsured are self-explanatory. But what about if you have a loan on your vehicle? The lien holder will require you to cover the car they are still interested in. 

Even if you don’t have a car loan, your vehicle may be necessary for your daily life. If you have enough money to be able to afford to repair your vehicle yourself, then you may not need to have collision and comprehensive coverage. But if, like most people, paying a few thousand dollars would be a hardship, then adding collision and comprehensive to your policy would be a good idea. It will pay for the repair or replacement of your vehicle minus a deductible. 

If you are purchasing a new vehicle, you should consider gap insurance. It will cover the difference between the amount the insurance company will pay to replace your vehicle and the amount you owe on your auto loan. Your vehicle decreases in value when you drive out of the showroom. 

Contact Kriener Insurance in Woodbury, MN if you have questions about auto insurance. We are here for you. 

Commercial Auto Insurance: Covering Your Company Vehicles

When you own a business that relies on vehicles, commercial auto insurance is essential to protecting your company. Commercial auto insurance is designed to cover any vehicles that are owned or used by a business for commercial purposes. This type of insurance policy provides coverage for bodily injury liability and property damage that may occur while you or an employee is using a vehicle for your business.

Customized Options

One of the main advantages of commercial auto insurance is that we can tailor it to the specific needs of your business. One example is if your business provides delivery services, in which case you may need coverage for goods in transit. Another example is that a construction company may need coverage for the tools and equipment they transport in their vehicles. Commercial auto insurance can also provide coverage for rental vehicles, non-owned vehicles, and other situations that may arise while operating your business.

Lawsuit Coverage and Medical Payments

In addition to providing for physical damage liability, commercial auto insurance can also help protect your business financially in case of a lawsuit. If one of your employees is involved in an accident while driving a company vehicle and is found to be at fault for the accident, the injured party might file a lawsuit against your business. If that happens, your commercial auto insurance can help cover the costs of settlements, legal fees, and other expenses from the lawsuit.

Car accidents can cause serious injuries and lead to costly medical bills for both you and others involved in a crash. Luckily, commercial auto insurance policies can help protect these expenses. In the event of an accident, your policy may cover lost wages and medical costs. If you own a business that relies on vehicles, having commercial auto insurance can give you peace of mind knowing that your business and employees are protected.

About Us

At Kriener Insurance, serving the Woodbury, MN area, we have extensive experience in the industry and have gained a wealth of knowledge needed from meeting people from all walks of life. We find great joy and fulfillment in working directly with individuals and businesses to provide them with their insurance needs.

If you’re looking for reliable commercial auto insurance, look no further than Kriener Insurance. The experts at Kriener Insurance understand that every business has unique insurance needs, and we’re dedicated to finding the perfect policy for you. Don’t wait until it’s too late – contact Kriener Insurance today to protect your assets and company vehicles.

How Home Insurance Can Help You Through Hazardous Minnesota Winters

Minnesota winters are known for their harsh and unpredictable weather, from blizzards to ice storms and everything in between. As a homeowner in Woodbury, MN, protecting your property from potential hazards during these hazardous winter months is essential. That’s where home insurance from Kriener Insurance can help! 

Home Insurance Can Help Protect Your Family From Winter Hazards

Home insurance protects your home and belongings from unexpected events, including those caused by severe winter weather. When you have the right coverage, you can rest assured knowing that you’re protected in the event of damage caused by winter storms, freezing temperatures, and other hazards.

When temperatures drop below freezing, pipes can freeze and burst, causing extensive water damage to your home. With home insurance from Kriener Insurance, you can get coverage for this type of damage, which can help you pay for repairs and replacements.

Another common winter hazard is roof damage caused by heavy snow and ice buildup. Heavy ice buildup on your roof and gutters can lead to leaks, structural damage, and even a roof collapse. Fortunately, home insurance can help you cover the cost of repairs and replacements if your roof is damaged during a winter storm.

Winter Storm Hazards

Suppose your home is damaged by falling tree limbs or other debris during a winter storm. In that case, your home insurance can help you pay for repairs or replacements. This coverage can also extend to other structures on your property, such as sheds or fences.

Don’t wait until it’s too late!

Protect your property from the hazards of Minnesota winters with home insurance from Kriener Insurance. Don’t wait until it’s too late to protect your home, family, and belongings – contact Kriener Insurance in Woodbury, MN today to learn more about your options for home insurance coverage!

Do You Need to Add Your Children to a Renters Policy Once They Turn 18?

Children do not always leave the nest as soon as they turn 18. As such, you may have your child living with you once they are legally an adult. One of the questions that we at Kriener Insurance, serving the greater Woodbury, MN area, are often asked is whether you need to add your children to a renters insurance policy you may have once they turn 18 or if they are still covered under your policy as they were when they were a child.

Do You Need to Add Your Children to a Renters Policy Once They Turn 18?

As a general rule of thumb, no, you do not need to add your children to a renters insurance policy once they turn 18. Most renters insurance policies cover the policy owner as well as any immediate family members living in the space, which would include adult children. 

Reasons You Should Consider Adding Them Even If You Do Not Have To  

While you may not be required to add your adult child to your renter’s insurance policy, either adding their name to your policy or having them get their own policy is recommended, especially if they have costly possessions, such as electronic devices, jewelry, artwork, or designer clothing. This helps to ensure that the policy limits on the policy cover both you and your adult child or children adequately. 

Give Us A Call

If you are looking to purchase a renters insurance policy in the greater Woodbury, MN area, Kriener Insurance would love to help you find the perfect policy to protect you and any young or adult children you may have living in your rental home with you. Reach out to us today to schedule an appointment to discuss your rental insurance needs.   

Do I need umbrella insurance? My business is primarily online.

Umbrella insurance can be beneficial if your primary insurance policy has limits that could be maximized or exceeded by an unexpected situation or circumstance. In essence, umbrella insurance is the backup insurance that kicks in after your primary policy has reached its limits, or when your primary policy doesn’t cover something.

Our Woodbury, MN team at Kriener Insurance understands the benefits that umbrella insurance can provide and is committed to helping business owners get the extra coverage they need. 

Does Umbrella Insurance provide Cyber Coverage?

As with any insurance company, you need to talk to an insurance agent to determine exactly what an umbrella insurance policy would cover in terms of cyber benefits and protection. However, an umbrella insurance policy can provide cyber coverage in the form of cyber liability insurance.

There may be other forms of cyber coverage as well. However, you need to speak with an agent to determine exactly what’s covered. Under an umbrella insurance policy, Cyber liability insurance typically provides coverage for various cybercrimes as well as data breaches.

This coverage may also extend to first-party financial loss as well as third-party financial loss. 

Do I need Umbrella Insurance? My business is primarily online.

Even if your business is conducted primarily online, you still have assets to protect and security hazards that you need protection from.

Now, more than ever, cyber crimes are rampant and may be more prevalent than real-world crimes, or at least just as prevalent. As a result, investing in protection for your online business may be a good idea.

Give Us A Call

Speak with a team member at Kriener Insurance. We’d be happy to discuss the benefits that umbrella insurance can provide for your specific needs in Woodbury, MN. 

What is Universal Life Insurance?

There are two basic types of life insurance: permanent and term. Permanent life insurance is a type of policy that does not have a specific period of coverage. It is meant to offer a payout for the entirety of your life as long as your account is in good standing. As a result, it typically has higher premiums than term. Universal life insurance is a category of permanent life insurance.  

Universal Life Insurance: What You Need to Know

Death benefit amounts can be flexible within this policy, unlike other life insurance products. Your monthly amount due will increase or decrease, depending on the adjustment you make to the death benefit. 

There is also a component known as cash value that allows you to withdraw money paid into your account. This is a loan that must be paid back, and if unpaid at the time of your death, it will be subtracted from the death benefit. 

Another feature of universal life is that premiums can sometimes be adjusted, too, if there is sufficient cash value in your policy. You may be able to defer payments or lower them if needed. Life insurance is not a legal requirement for Woodbury, MN residents, but many choose to invest in this instrument as part of their financial portfolio. You can ask your Kriener Insurance representative for specifics on the coverage included. 

Death benefits are not the same as cash value, and you may be able to recover your cash value in the event that you cancel your policy. In addition, the cash value will tend to accumulate on a tax-deferred basis. 

Kriener Insurance is Here to Help

Residents of Woodbury, MN can depend on us to put together insurance packages to suit their needs. Call us, reach out online, or stop by our office to find out more information today. 

Partner Carriers

  • AAA
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