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. […]
Farm Safety Tips for Kids Read More »
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
Soaking Up Summer in 2025 Read More »
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 »