Reasons Insurance

10/22/2026

For individuals and families, review:
• Property values and recent home improvements
• Vehicles and household drivers
• Life insurance beneficiaries
• Major life changes, such as a marriage, new child, move, or retirement

For business owners, review:
• Equipment, inventory, and commercial property values
• Vehicles, drivers, and business locations
• General liability limits and certificate requirements
• Changes in operations, staffing, revenue, or services

An independent insurance quote comparison can help identify coverage gaps and make sure your policies remain competitively priced across multiple carriers.

Contact us at www.reasonsinsurance.com or call (651) 636-6911.

10/14/2026

One week out. Saturday, October 17, 6-9pm at In Motion Fitness in Arden Hills — the 2nd Annual Cully's Way Booya & Concert.

All-you-can-eat booya, b**r and w**e, live music. $35 presale, $40 at the door, kids 10 and under $10, 2 and under free. A portion of proceeds also supports Sawyer Pearson and her family.

Hope to see you there.

10/02/2026

Got a future teen driver at home? Grades right now can save you money later.

Most carriers offer a good student discount for a B average or better, and it can apply the day your teen gets their license, not after. Worth mentioning at conference time this fall.

Want to know what your carrier requires? We can check.

10/01/2026

School buses are back on the road every morning and afternoon. A quick reminder before it becomes routine: stop for the flashing lights, even on the other side of the road on undivided streets, and never pass a stopped bus.

Takes two extra minutes. Worth it.

09/29/2026

We see this more than you'd think: a home insurance company pays to replace the roof after storm damage, but the policy itself never gets updated to reflect the new roof.

That gap matters. Roof age affects your deductible, your settlement terms, and whether a future claim pays full replacement cost or actual cash value — so if your file still shows the old roof, you may be paying for, or missing out on, coverage that doesn't match what's actually on your house.

If you've had a roof replaced, it's worth a two-minute check: does your policy reflect it?

More on how roof age affects your coverage:

How roof age affects home insurance: eligibility, premiums, inspections, claims, and what owners can expect at renewal, closing, or after storm damage.

09/28/2026

A household came to us using separate companies for home and auto, with no umbrella coverage in place.

We rewrote their home insurance with more and better coverage, added an umbrella for the liability gap, and their annual premium still dropped by $2,000.

One result, one household — but if your policies haven't been reviewed together in a while, it's worth a look.

09/24/2026

Matt at our office lost his son to cancer as many of you know. This is how Matt is carrying his light forward.

The 2nd Annual Cully's Way Booya & Concert is Saturday, October 17, 6-9pm, at In Motion Fitness in Arden Hills. All-you-can-eat booya, b**r and w**e, live music. $35 presale, $40 at the door, kids 10 and under $10, 2 and under free. A portion of proceeds also supports Sawyer Pearson and her family.

We're proud to stand behind this one.

07/30/2026

Summer brings more foot traffic, more seasonal hires, and more opportunities for growth — but it can also mean more exposure to risk. As activity picks up, it’s a smart time to make sure your commercial insurance is keeping up with the pace.

At Reasons Insurance, we help businesses stay protected through every season. Our team can walk you through coverage updates or additions that support your operations.

If your summer is already ramping up, give us a call and let’s talk about what your business may need next.

Contacts us at:
www.reasonsinsurance.com OR call 651-6911

07/28/2026

Summer gatherings are right around the corner, and now is the perfect time to make sure your homeowners insurance is prepared for the unexpected. Before the grill heats up and the guest list fills, it’s important to know whether your current coverage can protect you if an accident happens on your property.

Our team at Reasons Insurance put together a few key considerations to review before hosting this season.

If you’re planning a get‑together, this is a great moment to revisit your policy and make sure there are no gaps. Reach out to us anytime—our team is here to help you enjoy a safe, stress‑free summer.

Contacts us at:
www.reasonsinsurance.com OR call 651-6911

07/23/2026

Employment Practices Liability Insurance (EPLI) is one of the most important protections a business can have, especially as workplaces continue to grow and evolve. At Reasons Insurance, we help businesses understand how this coverage supports hiring practices, employee management, and day‑to‑day operations.

EPLI can help shield your business from costly and disruptive claims tied to wrongful termination, discrimination, harassment, retaliation, or decisions around hiring and promotions. These issues can create major financial strain and pull leadership away from running the business.

A single claim can lead to significant legal expenses, even if the business did nothing wrong. Disputes can also involve customers, vendors, or other third parties. And without clear documentation or aligned perspectives, situations can escalate quickly.

Our team is here to help you review your current policy or explore adding EPLI to your insurance portfolio so your business has the protection it needs.

Interested in learning more? Reach out to us anytime, and let’s walk through your options together.



Contacts us at:
www.reasonsinsurance.com OR call 651-6911