Insurance Blog & Advice

A plain-English guide to what a Business Owners Policy (BOP) typically covers, who it fits, and how The Jansen Agency helps small business owners across Minnesota, Wisconsin, Iowa, North Dakota, and South Dakota.

Moving to a new community is the perfect time to review your insurance. Whether you are settling in Plymouth, Medina, or one of the growing towns along Highway 94 like St. Michael and Albertville, working with a local agent who knows the area can make the process much simpler. Why Local Knowledge Matters A local…

Minnesota homeowners face some of the most demanding weather in the country, from summer hailstorms to heavy winter snow loads and the occasional spring flood. Understanding how these conditions affect your home insurance can help you avoid surprises when you need to file a claim. Hail and Wind Damage Severe storms roll through the Twin…

If you drive in Minnesota, the law requires you to carry a minimum level of auto insurance. But the state minimum isn’t always enough to truly protect you. Here’s a plain-language breakdown of what’s required, and what we often recommend for drivers across the Twin Cities. Minnesota’s minimum auto insurance requirements Minnesota is a no-fault…

Umbrella insurance is one of the most affordable yet misunderstood types of coverage. If you own a home, drive, or have assets to protect, it’s worth understanding how it works, and whether it makes sense for your family. What umbrella insurance actually does An umbrella policy provides extra liability protection on top of your existing…

Bundling is one of the easiest ways to lower your insurance costs, and it usually makes managing your policies simpler too. Here’s how it works and what to keep in mind. What does bundling mean? Bundling simply means buying more than one type of policy, like home and auto, through the same agency. In return,…