MORE OPTIONS.
MORE SOLUTIONS.
ONE LOCAL SOURCE FOR ALL YOUR INSURANCE NEEDS.
Many individuals and businesses are overinsured, underinsured or are simply paying too much for their current coverage. Are you? If you’re at all concerned, please come talk to us. At National Insurance Brokers, we’re not here to sell you insurance; we’re here to make you smarter about buying it.
MORE CARRIERS VYING FOR YOUR BUSINESS.
We leverage our relationships across the industry to find the right coverage for you. When we go to the insurance marketplace, our mission is to get you the best coverage at the best price. We work with dozens of insurance companies. When we put our relationships and years of expertise to work for you, great things happen. The right insurance is out there. We’re the people to help you find it.
MORE COMPANIES SHOPPED. MORE HUNDREDS SAVED.
The policy you really need can't be quoted in 15 minutes. Great coverage is a result of being asked the right questions. That takes agents with years of expertise, and aggressive negotiation between our advisors and the 40 insurance companies we work with.
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AUTO INSURANCE ADVICE
Do I need auto insurance?
If you drive, personal automobile insurance is mandatory in Minnesota and most states.What does it cover?
Your liability policy generally covers you and your car.That’s why it’s so important to consider every car you may drive to establish enough coverage. Being underinsured can severely damage your financial situation.
What are the policy differences?
Liability:
Auto liability insurance is required by law and covers injury to others and property damage to things not owned by you. Physical Damage:
Referred to as collision or comprehensive, this covers damage to your own vehicle.
Personal Injury (PIP):
Pays medical bills for injuries you sustain from a vehicle and/or wage loss up to certain limits.
Uninsured/Underinsured Motorist:
Covers your losses when the person who hit you doesn’t have adequate insurance.
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HOME INSURANCE ADVICE
Why Homeowners Insurance?
Weather events, crime, and accidents of all kinds leave you financially exposed. A good policy is your best hedge against loss.Why Renter’s Insurance?
Things can go wrong in neighboring residences that affect your belongings. A good policy takes over where your landlord’s insurance stops.Types of coverage?
Renters:
Covers possessions and important heirlooms. If you ask to have them covered.
Umbrella:
Covers the physical house and contents, but also can pay out if someone makes a claim against the homeowner.
Mobile Home:
Covers the physical house and contents, but also can pay out if someone makes a claim against the homeowner.
Landlord:
Covers the house and liability but not the possession of tenants.
Seasonal Home:
Covers the physical house and contents, but also can pay out if someone makes a claim against the homeowner.
Umbrella:
An extra "layer" of insurance on top of your liability coverage.
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LIFE INSURANCE ADVICE
How are annual premiums determined?
Annual premiums are influenced by a number of factors about your life, such as gender, health, family history, hazardous hobbies, height and weight, and occupation. Let an Insurance Advisor guide you.The difference between Term, Whole and Universal.
Term:
A policy for a set amount of time.
Universal:
A flexible policy that also builds cash value, but lets you shift between the policy’s insurance and savings components.
Whole:
A policy that accumulates a cash value.
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HEALTH INSURANCE ADVICE
Is there a penalty for not having health insurance?
Every year on your taxes you will be charged for not having insurance.
