Stefanie Peterson Ind. Agent

02/06/2026

Valentine’s Day brings the "wow" moment. But what comes next is just as important. Jewelry represents more than a gift, it’s an investment meant to be worn, enjoyed, and protected. With standalone jewelry insurance.

09/24/2025

your windshield, get it fixed before winter.

https://l.facebook.com/l.php?u=https%3A%2F%2Fonly1autoglass.com%2FBlog%2Fentryid%2F1407%2Feffect-of-temperature-on-auto-glass-installation%3Futm_source%3Ddlvr.it%26utm_medium%3Dfacebook%26fbclid%3DIwZXh0bgNhZW0CMTAAYnJpZBExOXdDaFk3TWRjMzlrMDUxQQEewW5Owxx0AWFiovk-_Zqz9cjyvZnQ-79OcY9tCkiv9THssXze3Q8ZUNh6aC0_aem_ePHaCfXRUMZXa3x2WP5Hbg&h=AT0v2vpJyjQjhypYxkifGyZT_eC_F294cDQ3qKM6ydDsinq0qDFCir6rn_t5ld_HZxKQz0Evu6l_jXEX1WLi7pe7QGqcJNqRNcQFWXqlxC_fwZWj5sMyj5OG-mCHa51MrUClphqFXGhjtQ&__tn__=-UK-R&c[0]=AT0prZeRl310UyDnyuEk4JWye-M5lj8q3RoVpUNidZEA0T2sTOzlPZQZcPcS5Q-Oo8WQ-mKG09k5qkl4IhrOeVCjAR7VB55AtfPcxalkKBprTyTrI3ea9GuQR37EeSInBrIj3P3xAgndtmqHUAN3ODo18jpXOvhebatU5RMv8QGeDZjbo1DkgMdGB1CmbLEgdz1YX19Epu5eUvvcbQHSPZlGQg

Explore how temperature affects auto glass installation and how Only 1 Auto Glass ensures optimal results in any weather.

01/19/2025

Have MN rates gone up due to extreme weather events, and raising material and labor costs, yes. It's happening in other states as well.

We have had carriers leave the state, some are closed to any new business, and some are exiting the auto/home insurance market.

Carriers are also tightening up guidelines, changing how the are paying on roofs, and requiring higher deductibles.

If you can, start putting money aside for future home claims. Any little bit will help in the event you need to use it.

01/06/2025

Freezing pipe tips.

Frozen pipes can cause significant damage to your home. As temperatures start to drop, consider these tips from our Winter Weather Safety hub to help keep your home warm and your pipes protected! https://travl.rs/4h2UPdp

12/04/2024

Sounds about right.

12/03/2024

Insurance shopping tip. Be sure you know what the wind/hail deductible is on the home quote. Some of the major carriers are putting the wind and hail deductibles at a percentage. I have been seeing one at 1%, another is switching to a 2% after the 1st of the year. This makes their premium look great until there is a hail storm that comes through. With a percentage deductible, you will have to pay the first $5,000 to $10,000 (or more-depending on how much your home is insured for).

A percentage deductible goes off the amount your home is insured for, not off the amount of the loss. This also means, as time goes by, and the amount your home is insured for goes up, so does your deductible.

Avoid surprises, stick with a flat deductible. Carriers are typically requiring at least a $2,500 deductible now, but much easier to come up with than $5,000 or more.

Send a message to learn more

05/03/2024

I have been mentioning about changes coming in insurance. Here is an article Kare11 did.

Insurance agents say Minnesota has seen more hail storms in recent years, and insurance companies are making adjustments to recoup costs.

12/08/2023

Did you know...many carriers have a cosmetic hail loss exclusion in the policy. This means, if you have a metal roof, and a hail storm comes through and dents the roof, but the roof is still structurally sound, you will have to live with a dented roof. This can also apply to anything metal on the home.

11/28/2023

Before you but a Kia or Hyundai, please know that these vehicles have a high theft rate. Your current carrier will let you switch vehicles. But, if you want to go to a new carrier, some are not offering quotes for them, others will only allow liability only (even if the anti-theft update was done) which will not work if you have a loan. This high theft rate will also increase the cost of insurance on the vehicle. So, if you have one of these makes, you may need to stay with your current carrier until you sell it.

11/28/2023

Carriers do not like MN right now. We have had too many catastrophic storms over the last couple of years. With construction and labor cost also increasing, claim expenses are through the roof. Carriers are requiring higher deductibles on homes, tightening up guidelines, and some even pulling out of the state or shutting down their personal lines (auto/home) insurance all together. It's not any one company thing, it's a MN thing.

05/13/2022

Catalytic converter thefts are a problem nationwide. The state rolled out this program last month and we signed up to participate. You can pick up your free catalytic convertor kit at the sheriff's office. For more information go to: https://mn.gov/commerce/consumers/your-vehicle/auto-theft-prevention/catalytic-converter-pilot.jsp