Steven A Miller Agency, LLC - American Family Insurance - Fridley, MN

09/07/2026

Your fish house has wheels, gets used like a camper, and spends part of the year sitting on a frozen lake… so how exactly do you insure it? 🎣❄️

And here’s the part that’s easy to overlook: what about everything you bring inside?

Think:
🎣 Fishing equipment
📺 Electronics
🔥 Heaters and equipment
🛋️ Personal belongings
🍳 Cooking gear
🧥 Clothing and winter gear

A fish house built or registered as a travel trailer may have different coverage considerations depending on how it’s titled, transported, stored, and used. The structure itself and the personal property you bring inside may also be treated differently.

The takeaway: don’t assume “the fish house is covered” means everything inside it is covered the same way.

Know how your specific setup is protected before it heads onto the ice.

09/04/2026

Wow! This could break some windshields!

Hail larger than a grapefruit fell in Illinois earlier this year and has officially bee confirmed as a new state record.

09/03/2026

When you’re trying to explain umbrella liability coverage… but the umbrella has other plans. ☂️😂

Steven: “Let’s talk about extra protection.”
The umbrella: Absolutely not.

Some insurance topics are easier to explain than they are to demonstrate. 😅 At least we can confirm one thing: this particular umbrella offers questionable coverage.

09/01/2026

Every lake day feels a little more valuable toward the end of season. The evenings are getting shorter, fall is creeping closer, and nobody is quite ready to admit boat season is winding down.

So take the ride. Stay out a little longer. Make one more memory on the water, because winter will give us plenty of time to miss this. 😅

08/30/2026

Your stuff makes your rental feel like home. We’ve got resources to help you make your space uniquely yours while you protect your belongings.

Renters insurance is an easy and affordable way to protect your personal property, provide liability coverage and even has your back on the go. Learn more here.

08/28/2026

Camper season is starting to wind down in Minnesota. 🍂🚐

Maybe you’re towing it home after one last weekend. Maybe it’s headed to storage. Or maybe it’s about to sit in the driveway until next spring.

Either way, the way you use your camper is changing—and that makes the end of the season a good time to understand how your coverage works when:

• You’re towing it home
• It’s parked at your property
• It’s stored somewhere else
• Personal belongings stay inside
• Weather, theft, or damage happens while it isn’t being used

Parking the camper for the season doesn’t necessarily mean the risks disappear with it and in Minnesota, we all know what’s coming next… ❄️😅

08/27/2026

Personal liability umbrella insurance protects your hard-earned dreams – now and in the future. Learn more about how umbrella insurance protects you financially, so you can keep moving forward. ☂️🛡️

A personal umbrella policy protects you with extra liability coverage above your primary policy limits. Learn more about this coverage today.

08/24/2026

The boat is hooked up, the water is waiting, and summer is starting to feel a little too short.

These last Minnesota lake days always hit differently—the warm sun, the open water, and the memories you wish you could hold onto just a little longer.

Here’s to soaking up every trip before boat season slips away.

08/23/2026

What happens if someone gets hurt on your boat? 🚤

The answer can depend on:

• Who was injured
• How the injury happened
• Whether the boat owner was responsible
• Which coverages are included
• The limits listed on the policy

Medical expenses and legal liability are not necessarily handled the same way. Understanding that difference before heading out can help boat owners know what questions to ask and what their policy is designed to cover.

08/22/2026

When a tenant wants to sublet your space, it can seem complicated. Read these best practices to learn more about some common subletting scenarios.

Allowing your tenant to sublet is a big decision and requires a well-crafted lease agreement. Take a look at our tips on weighing out your options and learn about how to build a lease that defines terms according to your business needs.