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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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
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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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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%
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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
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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
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Many weather experts are warning Minnesotans to prepare for tough spring weather with strong winds, hail and more. As many of us know all too well, this can often lead to home insurance claims to repair damages. Hail storms are becoming more common in recent years and may be another contributing factor to raising home
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