Imagine this: a summer storm rolls through, and your roof takes a beating. You file an insurance claim—only to find out your policy doesn’t cover the full cost to replace it. That’s when you learn two terms you wish you’d known sooner: Replacement Cost Value (RCV) and Actual Cash Value (ACV). Let’s break it down, […]
Replacement Cost vs. Actual Cash Value: What’s the Difference and Why It Matters Read More »
At The Harmoning Agency, we believe understanding your insurance coverage shouldn’t feel overwhelming. When industry changes make headlines, we’re here to help you make sense of what’s happening—without the noise or fear. One of those changes? Homeowners insurance rates are rising again in 2025. According to a recent estimate, Minnesotans could see an average 15%
What to Know About Homeowners Insurance Rates in 2025 Read More »
As the March 17, 2025, deadline for crop insurance rapidly approaches, it’s time to ensure your operation has the coverage it needs. At Harmoning Agency, we specialize in helping farmers like you navigate the complexities of multi-peril crop insurance. Let’s break it down and explain why choosing the right coverage—and the right agent—matters for your
Don’t Miss the March 17, 2025 Crop Insurance Deadline! Read More »
At the Harmoning Agency, we believe insurance is more than just a policy—it’s peace of mind. Since 2000, we’ve had the privilege of serving the agricultural community, small businesses, and personal customers in Franklin and the surrounding areas. As agents who live, work, and play in the same communities as you, we are deeply grateful
A Message from Joel: Thank You for Your Continued Trust Read More »
Emergencies are stressful and unpredictable, but knowing what to do in the moment can make all the difference. Whether you’re involved in a car accident, dealing with property damage, or managing a family or pet medical emergency, the steps you take immediately after can affect your safety, your insurance claim, and your peace of mind.
What to Do After An Emergency Read More »
Pet care is a growing industry. Even in a small town in Minnesota, we are seeing more small businesses growing and developing in pet care. We believe in our customers knowing what they are buying, so let us ensure you have the coverage you need for your pet business when you may need it most.
Now Offering Pet Business Insurance Read More »
Fire prevention month is an important month for me not only because of my work with insurance but also because of my 29 years of being a volunteer firefighter with the Franklin fire department. There’s nothing good that comes out of an unintended fire but the good news is that by just remembering a few
Fire Prevention Tips for Your Home Read More »
Insurance coverage can get confusing. At Harmoning Agency, we believe our customers should always know what they are buying. No matter the changes in the industry, this is and always has been our mission. We have been getting many questions on the differences between replacement cost coverage versus actual cash value coverage. Let’s take a
Replacement Cost Versus Actual Cost Value Coverage Read More »
It’s no secret that the insurance industry is rapidly changing everyday. At Harmoning Agency, we firmly believe in our mission of our customers knowing what they are buying. A new series of questions that has come to the forefront of many customer conversations is around the topic of percentage deductibles. To help continue educating our
How Could Percentage Deductibles Impact Me? Read More »
The most important thing this summer is to stay safe. Whether you are traveling, look your vehicle over first. Remember everybody needs to be wearing their seatbelts and don’t be speeding. Golf cart and ATV safety is a must. Let’s be careful out there and keep having fun. Local Area Parades Play Video Whether you
Summer 2024 Activities Read More »