Total Coverage Insurance, Kara Birznieks Agency

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Total Coverage Insurance, Kara Birznieks Agency

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Insuring Minnesota Families for a Lifetime Everyone needs insurance. At Total Coverage, we will make sure you get the best insurance coverage at the best price.

It’s not about a transaction. It is about a relationship. We live and work alongside the Minnesota families we serve, so we will always look out for your best interests. Our commitment is to you for a lifetime, as your family’s needs evolve and change.

10/14/2026

Nobody plans on getting into a car accident, but knowing what to do in the moment can make a stressful situation a lot less overwhelming.

If it happens to you, here's what to do: Check for injuries and move to a safe spot if you can. Call the police to file a report, and take photos of the damage while you're there. Exchange insurance information with the other driver, then give us a call.

We'll walk you through the claims process from start to finish, so you're never left guessing what happens next. You don't have to navigate that part alone!

Want to make sure your coverage has you protected before you ever need it? Let's talk.

📲 Give us a call to discuss your policy or to get a quote on a new one: (763) 478-7917

10/08/2026

National Fire Protection Association (NFPA) is drawing attention to lithium-ion batteries this Fire Prevention Week. These batteries power everything from phones and laptops to e-bikes and power tools, and while they're generally safe, a few simple habits can prevent serious fires:

1 - Unplug your device once it's fully charged. Leaving it plugged in longer than necessary adds unnecessary risk.

2 - For larger items like e-bikes, scooters, or power tools, charge them outside when possible, and never block an exit with a charging device.

3 - If a device feels unusually hot, starts to swell, smells strange, leaks, smokes, or makes popping or hissing sounds, stop using it immediately.

4 - If you're charging a device on a flight, keep it within sight at all times, and never charge e-cigarettes or vapes onboard.

5 - Always charge on a hard surface.

6 - Always use the cord and charger that came with your device or one approved by the manufacturer.

Small habits like these can make a real difference in preventing fires!

Source: https://www.nfpa.org/Events/Fire-Prevention-Week

10/06/2026

Fall is prime time for home maintenance projects - and while you're checking things off your list, it's also a great time to think about your home insurance.

As your home ages, so do things like your roof, your water heater, and your appliances. All of that impacts your coverage. If it's been a few years since you've reviewed your policy, you might be underinsured without even realizing it.

A quick review can help make sure your coverage actually reflects the home you live in today, not the home it was when you first got your policy.

If you're not sure where your coverage stands, let's take a look together.
https://www.totalcoveragemn.com/home-insurance

09/25/2026

Did you know that September is Life Insurance Awareness Month? Life insurance isn't something anyone likes to think about, but it's one of the most important conversations a family can have.

It's not about overthinking the worst-case scenarios. It's about making sure your family is taken care of, no matter what happens. Families tell us all the time that they feel SO much peace of mind once they get a good policy in place.

That peace of mind is really worth something, don't you think?

If you don't currently have a policy, or you're not sure your coverage still fits your life today, let's talk. We'll walk you through your options with no pressure and no sales pitch, just honest guidance!

📲 (763) 478-7917

09/22/2026

It's only September, but here in Minnesota, we know winter has a way of showing up before we're really ready for it! 🙈

The good news is that you don't have to tackle all of your "winter prep" at once. Better Homes & Gardens has put together a helpful fall home maintenance checklist covering things like gutters, furnace checkups, sealing air leaks, and more.

Spread these tasks out over the next couple of months and you'll be in great shape before winter really hits. ❄️

https://www.bhg.com/home-improvement/advice/your-homes-fall-checklist/

09/16/2026

The school year is officially in full swing, which means (hopefully!) your household is settling into its new routines.

Now's actually a great time to check in on your insurance. New purchases, household shifts, maybe even a new driver in the house (!) - all those changes that happened over the summer can affect the insurance coverage your family actually needs.

✨ We keep these check-ins quick and easy. No lengthy appointment required; just a short conversation to make sure everything still fits.
If it's been a while since your last review, let's get one on the calendar!

https://www.totalcoveragemn.com/contact-us

09/10/2026

National Preparedness Month is a great reminder that a little planning now can make a big difference if an emergency ever hits.

Taking time to think through your family's emergency plan is important!

Minnesota's Department of Public Safety put together some helpful resources and key actions every family can take to be ready for whatever comes their way.

👀Take a look: https://dps.mn.gov/divisions/hsem/programs/prep/national-prep-month

09/07/2026

Happy Labor Day from all of us at Total Coverage Insurance! ❤️

Today's the perfect opportunity to slow down and appreciate the people who work hard every single day, often without much recognition. Teachers, first responders, small business owners, parents juggling it all... we see you, and we're grateful for you! No matter your work (and whether or not you even get today "off"), we're here for you.

As a small, local agency, Labor Day means a little extra to us too. We get to do "labor" we genuinely love, alongside people we genuinely care about. That's not something we take for granted.

09/02/2026

As a local insurance agent, I get to help Minnesota families make sense of their insurance. But the real reason I do this work goes much deeper!

I started in this field right out of college back in 2003, and in all these years, my philosophy hasn't changed. I advise every single client as if they were my own family member. That means no upselling, no oversized policies you don't need, and no disappearing after the sale.

Insurance became deeply personal for me after my family went through a loss no parent should have to face. Having the right coverage in place didn't take away the grief, but it did take away one enormous burden during an already devastating time. That experience is why I show up the way I do for every family I work with.

This isn't just a job for me. It's a relationship I take seriously, for as long as you'll have me!

https://www.totalcoveragemn.com/about

08/31/2026

To all the teachers heading back into the classroom this month - we see you, and we appreciate you! 🤗❤️

We've always had a soft spot for educators. Between lesson planning, classroom setup, and getting back into the swing of the school year, insurance is probably the last thing on your mind right now. But we make it easy!

If you need a quote or just have a question about your current coverage, reach out. We will take it from there, and we will not fill up your inbox with constant follow-ups.

We hope you have a smooth and rewarding start to the school year!!

Address

120 Railway Street
Rockford, MN
55357

Telephone

+17634787917

Website

https://www.totalcoveragemn.com/

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