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724 Bielenberg Drive, Ste 5
Woodbury, MN 55125

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Minnesota Insurance Blog

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Coverage you can add to a basic auto policy

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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

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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

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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?

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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.

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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?

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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. 

Don’t Drive Without Insurance – It’s Against the Law!

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If you live in the Woodbury, MN area and are a licensed driver, make sure you have car insurance. Kriener Insurance can provide the coverage you need to make sure you are in compliance with the law.

Why Auto Insurance?

There are only two states in the country that do not require drivers to be insured. If you live in Virginia or New Hampshire, car insurance is not required. But residents in the other 48 states are by law required to have it.

If you are at fault in a car accident, you will be held responsible for any resulting expenses. These expenses could be legal fees, the injured party’s medical costs, or lost income if they are unable to work. If you are driving without car insurance, the financial consequences can be disastrous.

Uninsured motorist coverage is also required in many states. This pays for medical expenses for you and any passengers you have if you are hit by a driver that does not have enough car insurance or none at all. This does not cover other drivers.

States that have a no-fault car insurance system in place require drivers to have PIP (personal injury protection). This pays your medical bills no matter who is at fault.

There are three types of automobile coverage:

  • Liability coverage protects you if you are at fault in an accident. It pays for another individual’s costs to repair their vehicle and their medical expenses resulting from the accident. Most states have legal minimum requirements regarding how much liability coverage is needed. It is wise to purchase more than is needed to lower your chance of out-of-pocket costs later.
  • Collision coverage protects you if you hit another car or non-moving object. It will help cover the costs of repairing your car regardless of fault.
  • Comprehensive coverage protects your vehicle from vandalism, theft, fire, weather events, etc.  This coverage is usually sold along with collision coverage.

Contact Us Today

If you live in or near the Woodbury, MN area, contact Kriener Insurance for a quote or an answer to any questions you may have. You will be glad you did.

Is it time to upgrade the commercial policy protecting your Woodbury area business?

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Kriener Insurance is the commercial insurance partner business owners in the Woodbury, MN area can rely on. If it’s been a while since you have taken a close look at your company’s commercial policy, now is a great time to do so. Contact our team with any questions that you may have!

Signs it may be time to upgrade your commercial policy

If you have been in business for a while, your company has likely gone through a number of changes over the years. These changes can have an effect on your bottom line as well as your insurance needs. These signs below are just a few of the many indicators that it’s time to upgrade your firm’s commercial policy. Now is a great time to fully review your insurance needs!

  1. You have made a large purchase, such as heavy equipment or machinery. Equipment replacement costs can add up quickly! Be sure your policy provides an adequate level of coverage.
  2. The company is now carrying a larger amount of inventory. If you have more inventory on hand, you also have a higher level of exposure that needs to be protected.
  3. The firm’s liability needs have increased due to higher revenues and a larger number of employees. As a firm grows, its need for liability protection often increases as well. If your needs exceed your current policy, an umbrella insurance policy is often an effective solution.

We look forward to working with you!

Business owners in the Woodbury, MN area can turn to the team at Kriener Insurance for all of their commercial insurance needs. If it’s time to upgrade your commercial policy, we are here to help. Give our office a call today and schedule a consultation.

5 Questions To Ask Your Home Insurance Agent

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Home insurance is a must for anyone who owns the property. If you’re like most people, you probably don’t give your home insurance policy much thought until you need to use it. That’s why it’s important to review your policy regularly and ensure you’re getting the coverage you need. Consult with Kriener Insurance in Woodbury, MN for expert insurance advice.

Here are five questions to ask your home insurance agent at your next policy review:

1. What Coverages Does My Policy Include? 

The first step in ensuring you have adequate coverage is understanding what coverages are included in your policy. Your home insurance agent should be able to go over each coverage with you in detail so that you understand what’s covered and what’s not. If there’s something you’re not clear on, don’t be afraid to ask for clarification. 

2. Do I Need Any Additional Coverages? 

Once you know what coverages are included in your policy, your agent can help you determine if you need any additional coverage. For example, if you have a high-value item like jewelry or art, you may want to purchase a rider to make sure it’s properly protected. 

3. What Discounts Am I Eligible For? 

There are several discounts available that could help lower your premium, so be sure to ask about any that apply to you. Some common discounts include bundling your home and auto insurance policies and installing security features like smoke detectors and burglar alarms. 

4. How Much Coverage Do I Need? 

Once you know what type of events your policy should cover, you need to make sure it covers enough. Start by getting a home inventory to get an idea of the value of your belongings. Then, talk to your agent about how much it would cost to repair or replace your home if it was damaged or destroyed by a covered event.  

5. What Would Happen If I Needed to File a Claim? 

No one likes thinking about having to file an insurance claim, but it’s important to know how the claims process works in case something does happen. Ask your agent about the steps involved in filing a claim and what documentation you’ll need to provide. Knowing what to expect ahead of time can help make the process as smooth as possible if something does happen.

Get Home Insurance Today

If you’re a homeowner, it’s important to review your home insurance policy regularly to ensure you have the coverage you need. Asking your home insurance agent the right questions can help ensure that you’re getting the best possible rate. Kriener Insurance in Woodbury, MN can help you review your home insurance policy and ensure you’re getting the coverage you need. Contact us today to get started.

5 Things You Need to Know About Renters Insurance

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As a renter, you may not think that you need insurance. After all, your landlord’s insurance should cover any damage to the property, right? Wrong. Renters insurance is a vital form of protection for anyone who is currently renting. Consult with us at Kriener Insurance in Woodbury, MN to learn more about your options.

Here are five things you need to know about this form of insurance:

1. It’s Not as Expensive as You Might Think

One of the biggest myths about renters insurance is that it’s expensive. The truth is, it’s actually quite affordable, and when compared to the cost of replacing your belongings, it’s a bargain.

2. It Covers More Than Just Your Belongings

While most people think of renters insurance as protection for their belongings, it does much more than that. Renters insurance also provides liability coverage if someone is injured while on your property. This is important because it can help protect you from being sued.

3. It’s Not Just for Those Who Own Valuables

Another common misconception about renters insurance is that it’s only for those who own expensive items. This simply isn’t true. Even if you don’t have any expensive belongings, it’s still a good idea to have this type of insurance.

4. You May Need Extra Coverage for High-Value Items

If you own any expensive items, such as jewelry, you may need to purchase additional coverage to be fully protected. Most renters insurance policies limit the amount they will pay for certain items, so it’s important to check with your agent to ensure all of your belongings are covered.

5. It’s Worth the Peace of Mind

At the end of the day, renters insurance is worth it for the peace of mind it provides. Knowing that your belongings are protected can give you a sense of security and help you sleep better at night.

Give Us A Call

Now that you know more about renters insurance, it’s time to get protected. Contact us at Kriener Insurance in Woodbury, MN for all your insurance needs. We’ll work with you to find the right policy for your situation and help you get the coverage you need at a price you can afford. Give us a call today to get started.

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