As the leaves begin to change and cooler air sets in, now is the perfect time to prepare your home for winter. Fall clean up is more than raking leaves; it’s about protecting your property and avoiding costly home insurance claims down the road. A little maintenance today can save you a lot tomorrow. 1. […]
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A Milestone Worth Celebrating On Sunday, September 14, 2025, the Harmoning Agency reached a milestone that few small businesses achieve, 25 years in business. Joel and the team were thrilled to celebrate the occasion alongside their loyal customers, many of whom have been with the agency since its early days. The anniversary open house was
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The cake is gone, the vows are sealed, and the last of the can koozies have been claimed. Now comes the happily ever after, but before you dive in, there are a few practical steps to protect your shared future. Marriage changes more than your last name, it impacts your finances, living situation, and insurance
Just Married? Your Essential Post-Wedding Insurance Checklist Read More »
Minnesota Farmfest is more than tractors, seed hybrids, and free swag. It’s also a one-of-a-kind opportunity to connect with the people, resources, and protection behind your farming operation. Whether you’re a farm family, part of an ag business, or just rooted in a rural community, Farmfest offers valuable face-to-face connections with those you may typically
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Heading off to college is an exciting milestone: first classes, first taste of independence, and for many, the first time living away from home. Whether your student is moving into a campus dorm or off-campus housing, one important item that often gets overlooked is renters insurance. It may not be the most thrilling item on
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Camping Season Is Here – Let the Summer Adventures Begin! The flowers have been planted, school is out, and the mosquitos have made their grand entrance. All signs point to the arrival of summer! The long-awaited and well-deserved sunshine and warm breezes are finally here, and that means one thing: it’s camping season. There’s no
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June in Minnesota means long days, lush green fields, and farms buzzing with life. It’s a season full of energy and growth. It’s also the perfect time for families to be outside and for kids to tag along on daily farm adventures. But with all the excitement comes responsibility. Farm safety isn’t just a checklist.
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The most important thing this summer is simple: be safe and enjoy the ride. Whether you’re hitting the open road or cruising through town on a golf cart, take a moment to check your vehicle, slow down, and buckle up. ATV and golf cart safety matters more than ever because we want everyone to make
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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 »