Holmberg General Agency

11/03/2026

Our office phones are currently down. We will provide an update as soon as service has been restored. Thank you for your patience.

10/27/2026

10/19/2026

Happy Birthday Sheela! 🎉 Thank you for all your hard work and for everything you do to make our office a great place to be. We appreciate you so much and hope you have the best day ever! 🥳

10/02/2026

Thank you to our 2026 Leif Erikson Festival sponsors! Your support makes it possible to keep this Downtown Norway tradition alive each year for the community.

— Curtis J. Brackett Foundation
— DTE Foundation
— Holmberg General Agency
— Jamieson & Fulks Orthodontics
— Norway Area Preservation Society (NAPS)
— Norway Pharmacy
— Steve & Deb Tinti

We couldn't do this without you all. See you October 10!

09/29/2026

Should you schedule high-value items on your homeowners policy?

Most people don’t realize that standard insurance policies have "sublimits" on high-value items. 💎

Here is what you need to provide your insurance agent to add it to the policy:
1️⃣ Proof of Value: A certified professional appraisal (from the last 2-3 years) OR a detailed sales receipt.

2️⃣ Item Details: Serial numbers, make/model, or specific descriptions (like diamond carat and cut).

3️⃣ Photos: Clear, close-up shots of the item from a few angles.

09/23/2026

🏠 Market Value vs. Replacement Cost: Do you know the difference?

When insuring or selling your home, confusing these two numbers can cost you big time. Here is what you need to know:

💰 Market Value: This is what a buyer is willing to pay for your home in today's market. It shifts based on external factors like your neighborhood, school districts, buyer demand, and the underlying land value.

🔨 Replacement Cost: This is what it actually costs to rebuild your physical home from the ground up right now. It is strictly based on current labor costs, building materials, and construction fees—and completely ignores the value of your land.

Why it matters: Your home insurance coverage should be based on its replacement cost, not its market value! If a disaster strikes, you need enough coverage to rebuild the structure, regardless of what the real estate market is doing.

09/14/2026

✨ September is National Life Insurance Awareness Month!✨

Finding the right coverage depends on your budget and goals. Here is a quick breakdown of the 3 main types of life insurance:

⏳Term Life
What it is: Protection for a set period (like 10, 20, or 30 years).
Best for: Budget-friendly, straightforward coverage during peak financial years (like raising kids or paying a mortgage).

🛡️ Whole Life
What it is: Permanent coverage that lasts your entire lifetime.
Best for: Lifelong stability, locked-in premiums, and building a guaranteed cash value.

⚙️ Universal Life
What it is: Permanent coverage with built-in flexibility.
Best for: Adapting to change. You can adjust your premiums and payouts as your life evolves.

💡 Pro Tip: The younger and healthier you are, the cheaper your monthly rate will be!

09/04/2026

Our office will be closed on Monday, September 7th, for Labor Day. Have a wonderful and safe long weekend! 🛠️🦺

08/25/2026

Did you know you can access your Auto-Owners Insurance policy information anytime, anywhere?📱

With the Auto-Owners Mobile App, you can:

- View your policy information
- Access and print proof of insurance cards
- View billing details
- Make and manage payments
- Stay connected to your insurance information 24/7

Download the Auto-Owners Mobile App today!

08/17/2026

🎒 Heading off to college soon? Don't leave your student's gear unprotected! 📱💻

Did you know that most colleges and universities are not responsible for lost, stolen, or damaged personal belongings in dorms or student housing?

We can help you easily safeguard their property with a quick, affordable renters policy. 🛡️