Lake Country Insurance Services

03/12/2026

How much has your homeowners premium increased in the last 2 years?

Under 10%
10–25%
Over 25%

I’m seeing a trend locally.

Curious what others are experiencing.

03/09/2026

Replacement Cost

Your home value on Zillow: $600,000
Your rebuild cost: $720,000+

Insurance covers rebuild cost.

Not real estate value.

If your dwelling limit hasn’t been reviewed recently, it may be off.

03/05/2026

Spring Thaw Warning

Spring thaw = water claim season.

Watch for:

• Foundation seepage
• Sump pump failures
• Blocked drains
• Ice dam damage

These are not “flood claims.”

Coverage details matter.

03/02/2026

Teen Driver

Teen borrowed a friend’s vehicle. Minor accident.

Insurance followed the vehicle first.

Parents are often surprised by that.

If you have teen drivers, you should understand:

• Liability limits
• Household exclusions
• Who is listed where

Guessing isn’t a strategy.

02/26/2026

Umbrella Coverage

“What does umbrella insurance actually do?”

It increases your liability limits over:

• Auto
• Home
• Rental property

It protects income and assets from lawsuits.

For many households, it costs less than dinner out each month.

Worth reviewing.

02/23/2026

Roof Age Issue

Roof over 12 years old?

You may have:

• Actual cash value settlement
• Inspection requirements
• Non-renewal risk
• Higher deductibles

Carriers are tightening hard on roofing.

If you don’t know how your policy handles roof claims, you should.

02/19/2026

Sump Pump Claim

$18,400 water loss.
No flood. No storm. Just a failed sump pump.

Claim paid.

Why?

The homeowner had water backup coverage.

Without it? Denied.

Most people don’t realize that endorsement is optional.

Do you know if you have it?

02/16/2026

Your homeowners insurance didn’t go up for no reason.

Minnesota carriers are adjusting for:

-Higher rebuild costs
-Roofing claims from recent hail seasons
-Increased labor/material pricing
-Stricter underwriting on older homes

Even claim-free households are seeing 15–30% increases.

If you haven’t reviewed your coverage in the last 12 months, you’re guessing.

Message us if you want a second look at your policy.

10/22/2025

Winter sneaks up fast in Minnesota. Before the first freeze, walk through our simple Minnesota homeowners checklist — roof, pipes, heating, and coverage tips that save you from costly winter claims.

Read the checklist here → https://www.lcisagency.com/blog/2025/10/minnesota-homeowners-checklist-before-winter

If you haven’t reviewed your home insurance lately, we’ll do a quick fall checkup to make sure you’re covered where it counts.

Get your Minnesota home ready before winter hits. This homeowners checklist covers roof care, frozen pipes, heating checks, and insurance tips. Contact LCIS Agency for a free fall coverage review.

09/23/2025

There's still some time left in Life Insurance Awareness Month!! Make sure to check out our new blog post with some good info regarding Life Insurance!

September is Life Insurance Awareness Month. It’s a reminder to pause and ask yourself an important question: if something happened to you...

09/26/2024

According to a Forbes study:

Over half (52%) of Americans said they don't have enough life insurance because it's too expensive.
However, 82% of Americans overestimate the cost of a life insurance policy!