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Replacement Cost vs. Actual Cash Value: What’s the Difference and Why It Matters
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 […]
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What to Know About Homeowners Insurance Rates in 2025
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 […]
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Don’t Miss the March 17, 2025 Crop Insurance Deadline!
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 […]
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A Message from Joel: Thank You for Your Continued Trust
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 […]
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What to Do After An Emergency
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 […]
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Now Offering Pet Business Insurance
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 […]
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Fire Prevention Tips for Your Home
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 […]
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Replacement Cost Versus Actual Cost Value Coverage
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 […]
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How Could Percentage Deductibles Impact Me?
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 […]
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Summer 2024 Activities
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 […]
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Farmfest is Here!
Fourth of July signifies that the second half of summer has begun. The first Tuesday of August means Minnesota Farmfest kicks off! Farmers throughout the state of Minnesota come near […]
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How Increased Claims Caused Hike in Home Insurance Premiums
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 […]
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