Andrew Lange's Insurance by Referral

02/19/2026

If you can possibly avoid driving tonight, this is really a night to stay in. Vehicles in ditches and accidents all over the place. If you have to drive be safe out there everyone.

07/02/2025

HOME APPLIANCE ADVICE FROM A FRIEND WHO REPAIRS THEM:
I've said it before and I'll say it again! THEY DON'T MAKE THEM LIKE THEY USED TO!
If your appliances are older and still working, and you're thinking about getting something new because "they're getting old".... Do yourself a favor and don't! Trust me, modern appliances ARE NOT BUILT TO LAST. Period. Nobody is coming over to your house to look at your washer and dryer anyway, so don't worry about esthetics. Save yourself some money and a potential headache.
These older appliances are efficient and much more reliable than anything new. Just a friendly tip for the day! ✌🏼-Deb R.

06/20/2025

In Minnesota, 730 trained Watercraft Inspectors are at public water accesses to help prevent the spread of aquatic invasive species through boater education, inspections and decontaminations. This year as of June 5, watercraft inspectors have already completed 92,264 inspections, making Minnesota’s one of the largest watercraft inspection programs in the nation!

Did you know? Boaters can find FREE decontamination service locations here: mndnr.gov/decon. The staff follow specific protocols, using hot water (120 degrees for at least two minutes or 140 degrees for at least 10 seconds) to kill aquatic invasive species and, if necessary, using a high-pressure water to remove attached aquatic invasive species.

Visit our Watercraft Inspection Program page for more information: dnr.state.mn.us/invasives/watercraft_inspect/

06/02/2025

A CRITICAL POST VACATION REMINDER - DON'T DRIVE DROWSY As summer travel ramps up, it's vital to spotlight a serious, often overlooked risk that many face when returning from vacation: drowsy driving. While it’s common to feel tired after an action-packed getaway, getting behind the wheel without adequate rest can have deadly consequences. 🚨 Why It Matters: 1 in 25 adult drivers have admitted to falling asleep while driving within the past 30 days. Drowsy driving is a factor in 21% of fatal car crashes (AAA Foundation for Traffic Safety). Sleep deprivation can impair driving as much as alcohol — 24 hours without sleep = BAC of 0.10%. 🧠 How Fatigue Impacts Driving: Judgment and decision-making, Awareness of surroundings, Motor skills and coordination, and Risk of “microsleeps” — a few seconds of unconsciousness that can be fatal at highway speeds. 🕒 When You're Most at Risk: 2 a.m. – 6 a.m. (early morning fatigue) & 1 p.m. – 4 p.m. (afternoon slump tied to circadian rhythms). ⚠️ Warning Signs You Should Not Ignore: Can’t recall the last few miles driven, Frequent yawning or eye rubbing, Lane drifting, inconsistent speed, or missing exits, Heavy eyelids, head bobbing, frustration, or restlessness. ✅ What To Do If You’re Drowsy Behind the Wheel: Stop and take a 20–30 minute nap in a safe location, Drink coffee (200mg caffeine) after your nap for a short-term alertness boost, Get moving — stretch or take a walk to increase alertness, and Don’t force it — consider getting a ride, booking a motel, or calling someone to drive you 💤 Long-Term Prevention: Maintain consistent sleep habits and don’t skimp on rest — even on vacation. Takeaway: Vacations should be relaxing, but coming home safely is the real priority. Don’t let drowsy driving be the last leg of your trip. You can find the full article HERE.

Feeling tired after your trip? There's one thing to be aware of before you head home.

05/11/2025

Happy Mother's Day!! ❤🙂

12/27/2024

Merry Christmas & Happy New Year!! : )

03/29/2024

BRIDGE COLLAPSE TOUCHES EVERY ASPECT OF INSURANCE. The recent crash of cargo ship Dali into Baltimore’s Francis Scott Key Bridge may lead to the largest single marine loss ever according to Lloyds of London. Insurance touches almost all aspects of this tragedy from the vessel to the bridge itself, to business interruption claims, and wrongful death claims for those who lost their lives. According to Lloyds CEO John Neal, it is fortunate that both the bridge and the ship that collided with it were insured even though that could lead to billion-dollar losses within the industry. Lloyds estimated the loss at $3 billion but others put it at closer to $4 billion. Either estimate would surpass the $1.5 billion dollar loss from the Costa Concordia disaster where a luxury cruise ship ran aground and capsized off the coast of Italy in 2012 killing 32 people. John Miklus from the American Institute of Marine Underwriters predicts that litigation will run years and costs will continue to mount. The Dali is owned by Grace Ocean Private and insured by Britannia Protection and Indemnity Club. Britannia is backed by around 80 different reinsurers providing $3 billion in coverage to The Dali’s insurer. But, a statute dating back to 1851 (which was actually used by the owners of the Titanic) could potentially cap the liability of the ship’s owner and a 1927 Supreme Court decision, Robins Dry Dock and Repair Co v Flint, sets precedent that purely economic losses, including all of the business interruption losses, will not be recoverable from the ship’s owner in a maritime tort claim. - the above summary is from Professional Insurance Agents of Minnesota (PIA).

The massive cargo ship crash into Baltimore’s Francis Scott Key Bridge in Baltimore will likely lead to billions of dollars in liability claims. Marine insurance companies will be on the hook.

11/23/2023

Happy Thanksgiving!! : )

12/06/2022

Interesting clip about storm damage research; sending high speed (60-130mph) 2x4's into standard brick walls vs. storm resistant precast concrete walls.

12/26/2021

Merry Christmas!! : )

12/13/2021

Standing with Kentucky 🙏

Gov. Andy Beshear said Monday that the confirmed death toll from the tornado outbreak in his state is 64 — a number that is expected to rise as authorities continue to sift through the wreckage.

12/08/2021

Be careful out there Minnesota.

“In the 35 years I’ve been doing this, this is the craziest year I’ve ever seen,” Kyle Strege said.