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The Ins and Outs of Long-Term Care Insurance

You insure your house, your car, your business, and your health. But have you thought about coverage for your quality of life? A long-term care insurance plan can help you have your best life even in periods of disability and declining health. 

No one ever knows what life will have in store for them as the days and years go on. Fortunately, there is a wide range of protection available for different seasons of life. 

With the right type of coverage from Lake Region Insurance Agency, at least you can have help in uncertain times. Call or stop by one of our Greater Minnesota offices for a free insurance quote today.

What Does a Long-Term Care Insurance Plan Do?

 

In general, long-term care policies do not provide significant coverage for medical care, such as physician visits or prescriptions. The intention behind long-term care insurance is to help pay for other services such as nursing home care or physical therapy.

This type of policy may help fill in the gaps in a person’s care as they age or if they encounter a disability with long-lasting impacts. It is a supportive policy that is separate from medical insurance.

Important Notes About Long-Term Care Insurance

A lot of confusion surrounds these types of insurance plans. And this confusion leaves many people unsure whether or not they should purchase a policy. Unfortunately, it can also leave some people without financial protection as they age.

Here are some critical things to keep in mind as you talk with your financial planner and insurance agent.

Your Health Insurance Doesn’t Cover Long-Term Care.

This fact is a surprise to many people, but your medical insurance does not cover long-term care. Health insurance plans pay for the cost of receiving medical treatment for an injury or illness. 

Think about this scenario. You are up on a ladder, cleaning your gutters. You’ve made several trips up and down, moving the ladder a few feet each time. It’s hot. You’re tired. 

Suddenly, the ladder tips. You flail and try to throw yourself clear, but your foot tangles in the rungs. You land square on your keister and break your hip. 

Once you meet the deductible, your health insurance should cover the cost of any medically necessary x-rays, surgery, and hospital stay resulting from the fall. It might even cover the cost of staying in a rehabilitation facility for a short while. 

But what happens if you can’t go back home for a much longer time? Or what if you have long-lasting complications that require specialized care or therapy? 

The same insurance that paid for medical care to fix your hip will not be covering the cost of someone helping you live your life. Extended nursing care and ongoing therapy generally do not fall under the scope of a health insurance policy.  

Long-Term Insurance Can Be Part of a Financial Plan

Does the scenario where you break a hip seem far-fetched? Unfortunately, it’s not. Once you turn 65, there is about a 70% chance that you will need long-term care of some kind. Aging inherently raises the risk of something happens that limits your ability for self-care.

With this in mind, many people choose to purchase long-term care insurance. Other people opt to rely on different financial assets they have in place instead.

Long-Term Care Insurance Prices Can Vary Significantly

If you choose to purchase a long-term care policy, you’ll get the best rate in your fifties or early sixties. And prices vary from company to company. Be sure to opt for an independent agent to receive the best quote.

Insurance companies consider many factors when pricing your plan, including:

  • Your Health – Minor health conditions probably won’t keep you from getting a policy. But if you already need assistance or have a diagnosis such as cancer when you start shopping for a plan, you are unlikely to secure an affordable one, if you can get one at all.
  • Gender – Women are a bit more likely to need assisted care, so their policies tend to cost more.
  • Marital Status – If you’re married, the insurance companies think you’re a safer bet. Your premium will be a little lower.
  • Amount of Coverage – As with any insurance policy, the limits will determine the premiums. Long-term care insurance plans don’t cover you indefinitely. Your policy will have a total value. If you buy a $100,000 policy, it will stop paying after they’ve covered that amount.
  • Elimination Period. This is the amount of time you need to be in the hospital or assisted care facility before the plan kicks in. Longer elimination periods offer lower premiums.

For example, if your health insurance covers 60 days of care, and you are comfortable paying for 30 days, you can choose a 90-day elimination period. 

It’s important to note that traditional long-term care policies adjust their prices yearly. Your premium is likely to rise as you age. Consult your insurance agent about reasonable expectations as time marches on.

You Might Prefer a Hybrid Policy

Some insurance companies also offer a new kind of hybrid policy. A hybrid plan provides whole-life coverage and also lets you draw from the value for long-term care needs. 

If you never need long-term care, this policy will pay out to beneficiaries upon your death like any other life insurance policy. If you do need long-term care, the death benefit reduces by the amount of money used for your care.

The hybrid plan has a level premium, so you don’t have to worry about the monthly payment increasing. 

Work With an Experienced Agent

No matter which part of life you are in, there is undoubtedly an insurance product that applies to your circumstances. Whether you need auto, homeowners, health, or life insurance, your Lake Region team can help.

It’s a privilege to help our Greater Minnesota neighbors as they protect themselves and their families. Our independent agents offer free insurance reviews and quotes. We work for you, not for the insurance companies. Give us a call or stop in to see us in Cokato, Willmar, or New London, MN. 

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What is Cyber Liability Insurance and Why Do I Need It?

Business owners, we can guess that you practically have your “life” on your laptop. It’s certainly the way of modern business. Cyber liability insurance is your protection in a digitally vulnerable culture.

Customer data and sensitive information are just a few of the items most owners store online as part of their operations. Hackers want to access your systems and your company information for many kinds of exploitation.

When you purchase a cyber liability business policy from Lake Region Insurance Agency, you help protect everything you’ve worked tirelessly to build. Your operations, livelihood, and customers depend on safe and secure online systems. 

And if an issue arises for your business, your neighbors at Lake Region help you get back on your (cyber) feet with quick claims processing and payouts. Reach out today for a complimentary quote and insurance review.

Who Needs Cyber Liability Coverage?

There are more and more cyber data breaches each year, and hackers continually up their game and hone their skills. Malware and ransomware are getting more sophisticated. With each passing week, it’s more likely you or your business could be the target of cybercrime. 

You should consider getting cyber liability insurance if your business:

  • Emails Clients, Vendors, or Employees
  • Takes Payments Online
  • Advertises Online
  • Stores Customer, Vendor, and Client Data Electronically
  • Sends and Receives Documents Online
  • Maintains Social Media Business Pages 

These are just a few of the business scenarios where cyber liability insurance makes sense. The bottom line is that almost every business now has a virtual, online component to it. This fact makes just about every company vulnerable to cybersecurity concerns.

Policy coverage

Not only is your company data at risk online, but so are your operations and revenue streams if you lose control over your information. It’s crucial to ensure your policy covers lost income in addition to data recovery and system repair. Talk with your independent agent about including the following components in your policy coverage.

First-Party Damages

  • Electronic Data Damage or Loss: You could get hit by a hacker, a virus, or a denial-of-service attack. You want a policy that can cover costs associated with data recovery and system repair. Do you store data for someone else? Would you need to hire an expert to help you recover what you lost? You can include this kind of coverage in your cyber liability policy.
  • Ransom Attacks: Increasingly, there are situations where a hacker gains control of your data. Then they send a ransom note demanding payment from you to obtain data access. Or they threaten to launch a virus or further exploit confidential customer data. Your policy can protect you in this event, as well. Cyber liability insurance pays the ransom demand as well as other expenses you may incur in the demand response.
  • Income Loss and Extra Expenses: If your business operations cease or slow down while navigating a cyber attack, your policy should cover any lost income. Further, if you incur extra expenses while getting your business back up and running, your insurance should cover those, too.
  • Crisis Management: Hackers don’t just steal your data. They also damage your reputation. Your business success depends on your “know, like, and trust” factor. You may need to spend time and money rebuilding trust with your clients, customers, and industry. Your policy should cover expenses related to managing your reputation after a data breach.
  • Notification Costs: After a data breach, you have a legal obligation to notify anyone impacted by the crime. Reaching out to each of your clients, vendors, and employees can be costly and time-consuming. An effective liability policy will cover these cyber-repair costs. 

Third-party damages

  • Regulatory Proceedings: Depending on the situation, your company may incur a fine or penalty for non-compliance with data breach regulations. A cyber liability policy can defray the costs of legal representation during your response to the proceedings.
  • Network Privacy Liability: Your policy should protect you in the event of a negligence claim around your data privacy policies and procedures. For example, an employee could open a virus-containing email that compromises your system. Or you could fall victim to a denial-of-service attack. A sufficient business policy covers you if you are found negligent in your protection of customer and vendor data.
  • Electronic Media Liability: This coverage kicks in when there is a lawsuit for slander, libel, defamation, copyright infringement, or privacy invasion. This legal trouble often happens after the publication of data on social media or other internet platforms after a cyber attack.

Take Time to Understand Your Policy

Each cyber liability insurance policy is unique. Work with your agent to carefully examine your coverage requirements and craft the plan that best fits your business operations. For example, a medical office may need more extensive data privacy negligence coverage than a clothing boutique. 

Gone are the days when cybercrime seemed to impact only giant corporations or those in the financial field. Any company that utilizes an online platform to receive, send, or store customer data is at risk. 

Feel Secure Online with Lake Region Insurance Agency

At Lake Region, our customers are also our neighbors. We understand how hard you’ve worked to launch and build your business. 

And we know how essential a solid reputation is for small businesses across Greater Minnesota. We’ll help you guard your good standing in the event you are the target of cybercriminals.

For over 50 years, we’ve built our agency on the trust of our neighbors in Cokato, New London, and Wilmar, MN. Our knowledgeable staff will help you select the policies that meet your budget and needs. 

As independent agents, the Lake Region team can search for precisely what you need among hundreds of policy options. Sufficient coverage provides the peace of mind you need, whether you are online or running a brick-and-mortar.

Contact one of our independent agents today for a free insurance review and quote. We won’t stop until you and your business have excellent protection in the event of cybercrime. We hope the worst never happens, but with our coverage and customer service, you’ll be prepared if it does.

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The Ins and Outs of Car Insurance for Teen Drivers

Your teenager is learning to drive. It’s both exciting and scary because you want to give them freedom while also keeping them safe. And on the practical side, you now need to think about car insurance for teen drivers. 

Start your new driver’s journey the right way. Call Lake Region Insurance Agency for a free policy review and quote. Our agents in Cokato, New London, and Willmar, MN, are happy to partner with you on this exciting next step.

How to Choose Car Insurance for Teen Drivers

Insuring new drivers can be expensive. They haven’t proven themselves yet, so insurance companies see them as a higher risk. As a result, they charge more to insure teenagers than experienced drivers. 

But rates vary from one company to the next. How do you decide which policy to buy? 

You could search online for hours, comparing policies, and landing on numerous spam email lists. This plan is a time-consuming and potentially frustrating way to get protection.

The better option is to talk with your independent insurance agent. Independent agents can search from a variety of plans and policies. They do the comparing for you, weed out the poor choices, and bring you the best options.

Your agent will help you choose the policy limits that are right for your family. Depending on your budget, you might consider increasing your deductible to lower the monthly premium. Be sure to discuss all of the possible options with your agent. In an accident, if damages exceed the value of your policy, you may be held responsible for the difference. 

You can also think about adding an umbrella insurance policy. Umbrella insurance is an all-purpose, rainy day policy. It could help cover you in the case of a lawsuit for damages beyond what your other insurance policies cover. 

It’s also an excellent idea to include your teenager in conversations with your insurance agent.  They will start to learn about the financial responsibility that goes along with driving and the repercussions for things like speeding tickets.

How to Reduce Teen Driver Insurance Rates for Your Family

There is no shortcut for gaining driving experience. It must come with time. But there are a few things you can do to reduce the expense of new driver insurance.

  • Utilize driver education. An experienced professional instructor can reduce new driver stress for your teen and you. And a certificate from a state driver education program may qualify them for a discount on their insurance. 
  • Add them to your insurance instead of getting a separate policy. Some parents want their child to have their own policies. But it is usually less expensive to add your teen to an existing plan instead.
  • Get them a safe car. Does your teen want the newest, fastest car? Of course they do! But combining a new driver with a fast car is both dangerous and expensive. Get them a safe car to drive to save your dollars.
  • Ask your insurance agent about discounts for good grades. Students who focus and learn well tend to be better drivers. And most insurance policies reward good grades with lower rates.
  • Consider some tracking. There are several devices available that will inform you if your teen starts driving dangerously. There is no need to be sneaky, so make sure to tell them about it. Knowing that someone is paying attention might keep them from driving recklessly. 
  • Make sure the policy assigns your teen to the right car. Some vehicles cost more to cover than others. If your insurance policy adds your teen to your most expensive car, your rates will be higher. But, keep in mind that your teen can only drive that specific vehicle. If they have an accident while driving a different car, your insurer might assign penalties and increase your premiums. 

Talk With Your Teen About Safe Driving.

The best insurance plan will take care of damages when they happen, but it’s better to avoid them altogether. 

Talk to your teen driver about these critical safety rules:

  • Don’t text and drive. They’ve heard it before, but keep telling them. Texting while driving causes deadly accidents. Set a good example by tucking your phone away when you’re behind the wheel.
  • Don’t drive tired. People who drive with too little sleep perform a lot like people who drive drunk. Slower reactions from sleep-deprived brains cause many accidents every year.
  • Don’t drink or use other drugs while driving. Of course, you hope your teen isn’t drinking alcohol yet. But the fact remains that many teams do. Create a plan with them to get home safely. Talk to them about choosing a designated driver. Make sure they know that you will come to pick them up at any time to keep them safe.
  • Don’t speed. Speeding is a factor in over 22% of all fatal car crashes. It accounts for more deaths than impaired driving.

Remind your teen about the common sense things they need to do each time they are behind the wheel. Safe habits might be second nature for you. But your new driver may need several reminders before crucial actions become habits. 

  • Slow down in adverse conditions. You know that feeling when your tires lose traction? Your new driver may not have experienced that yet. Talk to them about taking it easy on icy roads and what to do if they start to slide. 
  • Wear your seatbelt. Just do it. Every. Single. Time. 
  • Let faster drivers pass. Remind your teen to avoid engaging with reckless drivers. They should know to let speeders get past them and never try to race another driver.
  • Recognize when conditions are too bad for driving. Winter in Greater Minnesota can be vicious. Have you ever gone through the type of storm that makes you turn off your radio? Then you know that sometimes you just need to stay put until the clouds clear.

Remember, the best way to teach your new driver good habits is to follow them yourself. Make a contract with your teen and be clear about the consequences of breaking it.

Your child is on the road to independence, so let’s keep them covered on their journey. Make sure to call Lake Region Insurance Agency for a comprehensive review. We are experts at helping parents understand car insurance for teen drivers.

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Your Guide to HVAC Air Purification Systems

Many homeowners wonder how to keep their household air as clean and germ-free as possible in our current times. Installing HVAC air purification systems is one way some families drastically improve the air quality in their homes. 

Some people experience seasonal allergies, asthma, or a compromised immune system. Others are in a high-risk demographic for COVID-19, a whole-house purification system may help you enjoy cleaner air in your home.

At Lake Region Insurance Agency, we love sharing tips and tools to increase your home’s value and function. We also take great pride in providing dedicated and reliable service when it comes to your insurance policies.

Reviewing your choices each year can help you ensure proper coverage for upgrades like whole-house air purification systems. Give us a call today for a free insurance review. Our independent agents are on your side in Cokato, New London, and Wilmar, MN.

Why Consider HVAC Air Purification Systems?

The Environmental Protection Agency states that indoor air quality is typically more polluted than the air outside. And most people spend as much as 90% of their time inside. Let that sink in for a minute.

In businesses, schools, and homes, people may be breathing in irritants such as:

  • Dust
  • Pollen
  • Germs
  • Pet Dander
  • Mold
  • Tobacco Smoke
  • Chemicals

And going off the EPA’s statistics, many people are doing this for over 21 hours per day.

Of course, keeping your house clean and well ventilated goes a long way toward ensuring healthier air inside your home. But cleaning may not be enough if you have bad allergies or symptoms triggered by air pollution. In these cases, you might want to install an HVAC air purification system.

From Basic to State-of-the-Art

With any forced-air HVAC unit, you’ll have a built-in rudimentary filter. This piece is the flat screen that you should change each month. You can pick them up at a neighborhood hardware store, and they slide right into a panel on your furnace. Just be sure to check the size required for your system.

You have a wide variety of options when it comes to media filters.

Essentially, the more material in the filter, the better the air quality it delivers. A flat filter costs less to purchase, but an accordion-type screen provides superior air filtration. It’s best to choose the highest quality filter you can to improve your indoor air quality.

Replacing these filters on your furnace should be a well-traveled habit each month. And there’s nothing wrong with changing them more often to ensure minimum dust and dirt buildup on the filter. 

Choosing HEPA filters can provide an improved air quality rating as well. These filters can block 99.97 percent of all particles that measure a minimum of .3 microns.

Go the extra mile in creating a healthy home and select an electrostatically charged variety of furnace filters. These panels trap different particles like pet dander and pollen. The standard filters only block dust. 

You can leave the electrostatic filters in place for two or three months, but don’t forget about them! Write a note on a calendar or set a reminder on your phone to be sure you don’t ignore this crucial part of home maintenance.

Step Up Your Purification Game

If you want to upgrade your home’s filtration structure to ensure ever-cleaner air, there are two heavy-duty options available. 

  1. Extended Media Filters – These filtration tools appear like a stack of media filters in a drawer. Remember, more filtration material equals cleaner air. It costs about $400-$600 to integrate these into your ductwork. Replacement is straightforward but more expensive than it is for a single filter. You’ll need to buy a new one each year for about $50.
  2. Electronic Filters – If filtering smoke is a concern in your home, an electronic filter could be the best choice. These high-powered systems pass air through your ductwork and apply an electrical charge. At the end of your channel, a metal plate collects the charged particles. Though there are no paper filters to replace in this system, the metal “catch” plates need a washing with soapy water every couple of months. Prepare to spend up to $1000 on the equipment and installation. But your air will be spic and span as long as you regularly clean the aluminum filter plates.

Go Nearly Germ-Free with an Ultra-Violet Filter

This heavy hitter of a filter knocks out pathogens at a high rate. These whole-house air purification systems integrate with your HVAC equipment for an add-on price of $400-$800.

The ultraviolet light practically vaporizes pathogens that hit the filter. 

An ultraviolet system works well for overall germ reduction in your home. In fact, hospitals use this type of filtration in wards housing highly contagious patients. However, you still need to wash your hands and cover your cough to help keep those around you from getting sick.

When HVAC Isn’t an Option, Go Portable

You can still create cleaner air in your home even if your furnace doesn’t support an HVAC air purification system. Portable filters can also be effective at “spot cleaning” areas of your home’s airflow.

Many portable filter systems use HEPA filters as their primary mode of function. Though these units effectively scrub the air in a room, they can be noisy and require frequent replacement of the HEPA filter.

For less noise, try an ion portable filter system. These units use electrostatic filtration methods and hum quietly wherever you place them.

Lake Region Cares About Your Home and Health

We’re your neighbors here at Lake Region Insurance Agency. We care deeply about our communities in Greater Minnesota and want the best for you and your family. 

Our independent agents can shop the insurance market for the best policies to fit your coverage needs and your budget. We work for you. We offer excellent rates and quick claim processing and payout. Our agents have your best interests at heart. 

Call us today for a free quote on your home, auto, life, or health insurance policies. Take advantage of our hometown know-how.  We’ve proudly served the Wilmar, New London, and Cokato, MN, communities for over 50 years. We’re committed to your satisfaction and peace of mind.

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How Does Flood Insurance Work, and Do I Need It?

When it comes to protecting your house, you probably have coverage for the home’s structure and contents. Many homeowners believe that this gives them full financial protection in the event of any disaster. But it’s also important to consider a few questions. Do I need flood insurance? And how does flood insurance work? 

At Lake Region Insurance Agency, we know the damage flooding can cause here in Greater Minnesota. If you feel unsure about your coverage, reach out to one of our agents today. With offices in New London, Willmar, and Cokato, MN, we are here to serve you.

How Does Flood Insurance Work?

As the name suggests, flood insurance is a specialized form of coverage that kicks in if a flood damages your home. This type of policy is for flooding due to natural causes. Some examples of events that might trigger a claim include:

  • Heavy Rain
  • Rapid Snowmelt
  • Levee Failure
  • Storm Surge

Flooding from burst pipes or a malfunctioning washing machine falls under a homeowners policy. That’s a whole different event.

Only a small minority of homeowners have flood insurance, even in high-risk areas. This lack of coverage can result in a significant eye-opener if disaster strikes.

But I Already Have Homeowners Insurance. Isn’t That Enough?

Too often, people believe they have coverage for flood damage under their homeowners insurance. But this is not the case. Flood insurance, like earthquake coverage, is a separate policy that you purchase. Unfortunately, many owners do not realize this until it is too late.

In some situations, buying flood insurance may be a requirement to secure a mortgage. This necessity is especially true if you are in a high-risk area.

For commercial properties, the same concerns apply. Your business insurance policy likely doesn’t protect you against flood damage and loss.

How Do I Decide If I Should Buy Flood Insurance?

You may assume that you do not need flood insurance, especially if you have never experienced a disaster. Many people think if they don’t live in a high-risk area, they don’t need to worry about it.

However, flood maps tend to change over time. These alterations happen according to shifts in local infrastructure, weather patterns, or nearby building work. 

For example, the construction of a new neighborhood on a local floodplain could mean there is no longer an escape for excess water. As a result, your property may have inadvertently slipped into the high-risk category without you realizing it. 

The Federal Emergency Management Agency (FEMA) maintains the Flood Map Service Center to help determine risk. They update the data annually, and you can check it to see how your home fares. Mortgage companies use this information to decide whether or not to require flood insurance on a property. 

Even if the data place your home in a low-risk category, that doesn’t mean flooding can’t happen. And home could be at risk. 

National Flood Insurance Program (NFIP)

The NFIP is a program that FEMA manages, and it is available only in communities that choose to participate. There are two types of coverage: structural property and personal property.

A policy for the building itself is ‘replacement cost value’ coverage. That is, it pays for your home’s repair and replacement costs, up to the limits of the policy. To purchase coverage through NFIP, you must also have full homeowners coverage.

Replacement cost value protection typically covers:

  • The foundation of your home and the physical structure 
  • Built-in kitchen appliances such as stoves and refrigerators
  • Electrical and plumbing
  • Furnaces and air conditioners
  • Heaters
  • Flooring
  • Wallboard and paneling
  • Window blinds
  • Permanent bookcases and cabinets
  • Detached garages
  • Removal of debris

Personal property or contents coverage addresses the items in the home. This option generally covers:

  • Clothing
  • Furniture
  • Electronics
  • Curtains
  • Portable kitchen appliances
  • Washer and dryer
  • Freezers and any food in them
  • Up to $2500 in valuables, including artwork and jewelry

As with any insurance policy, some exceptions apply under NFIP coverage. These include:

  • Basements or any areas of your home below ground level
  • Any damage caused by mold, mildew, or moisture not caused by floodwater
  • Stock certificates, cash, or bearer bonds
  • Precious metals
  • Loss of income
  • Trees, plants, or shrubs outside the home
  • Swimming pools or hot tubs
  • Walkways
  • Decks and patios
  • Septic systems
  • Temporary housing
  • Cars

NFIP coverage is simple to obtain through an insurance agent. Typically it takes 30 days from the date of purchase before a policy goes into effect. Premiums vary significantly depending on where the property sits. 

Private Flood Insurance

There are a limited number of private insurers who can offer flood insurance, as well. These options are outside the federal government. This coverage can have several benefits for homeowners, including:

  • Higher Levels of Coverage – Private flood insurance tends to offer higher levels of coverage than NFIP does. This option may be important for those with high-end homes and belongings.
  • Lower Premiums – As data has become more sophisticated, private insurers have been able to offer competitive rates. For some homeowners, these premiums may be less than those offered by NFIP.
  • Shorter Wait Times – You typically have to wait 30 days for NFIP policies to go into effect. Private coverage can start in less than a week.
  • Extra Perks – Unlike with NFIP, you may be able to claim short-term housing costs. And your policy may cover items that NFIP excludes.

There are some negatives associated with private insurance. It may not be available in very high-risk areas. Also, banks may not accept a private policy when you take out a mortgage with them. 

Lake Region Is Here to Help

Insurance decisions can feel confusing and overwhelming. The lingo and terminology aren’t very user-friendly at times. 

That’s why the experts at Lake Region Insurance Agency are here to serve you. We definitely can answer the question, “How does flood insurance work?” 

We have years of experience working with a range of insurance policies. Our independent agents have access to coverage from many different companies, so we are sure to find just what you need.

Don’t spend another minute worrying about protecting your home, car, business, or health. Reach out to Lake Region today for a free insurance review.

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7 Lawn Mower Safety Tips for Your Summer Yard Care

Getting your garden into tip-top shape is one of the perks of warmer weather. Lawn maintenance is a significant part of keeping your yard in good order, but this can be a risky business. To stay safe, you need to know some lawn mower safety tips.

Owning a home brings both challenges and rewards. But at all times, you need protection as a homeowner. 

At Lake Region Insurance Agency, our job is to offer that protection. Our independent agents are available in Greater Minnesota to help you find the perfect policies for your needs. Give us a call today to get started.

The Best Lawn Mower Safety Tips

This time of year, there are plenty of yard chores to keep you busy. From planting colorful flowers to creating a relaxing area for entertaining, outdoor projects beckon. And mowing your lawn is probably the job you need to do most often.

With that in mind, here are seven tips to consider before firing up the lawn mower.

1. Protect Your Feet

Your footwear may not seem like a priority, but it can have a significant impact on your safety. When the temperature rises, it can be tempting to kick off your shoes or switch to sandals. This habit may be comfortable, but it also can be dangerous during yard work.

Wearing inadequate footwear increases your risk of slips, trips, and falls, which can up the chances of injuries. You may also hurt your foot by stepping on something sharp. Additional hazards include stubbed toes, stings or bites, and burns from bumping against a hot lawn mower. 

 

And let’s not forget the moving blades under the carriage and all the damage they can do. Their sole purpose is to cut, and your toe or foot will not get special consideration. To stay safe, wear sturdy, closed-toe shoes while you are operating the lawn mower.

2. Only Move Forward

If you realize you have missed a spot, it can be tempting to pull the mower backward for easy access. This move is hazardous, however. It is far too simple to slip or lose your footing. In that case, the mower could end up on top of your body. 

Fortunately, this is an accident that you can avoid. If you missed a spot while mowing, maneuver the machine to where you want it only by pushing it forward. It may take longer than backing up, but it helps to keep you safe.

3. Never Touch A Moving Part

Never touch any moving blades or parts of the mower. Yes, this may seem obvious. But there are more than 6000 injuries each year due to lawn mowers. So this tip must not be as obvious as it seems. More than 20% of those injuries result in amputations.

When you are in a hurry, it is tempting to reach down and remove an obstruction. The danger here is that one small slip could have catastrophic consequences.

Be overly cautious at all times when operating the lawn mower. If you notice that something is clogged in the blades, don’t touch anything until you shut off the machine. All moving elements must come to a complete stop before you put your fingers anywhere near them.

4. Don’t Forget Your Ears

Another unexpected body part that needs protection during lawn mowing is your ears. Experts recommend ear protection when noise levels exceed 85 decibels, and mowers fall into this category.

Most lawn mowers emit a volume of around 100 decibels. Over time, this can cause discomfort and hearing damage. The risk may seem small, compared to broken bones or amputations. But it is better to be safe in this case. Invest in some quality protection to ensure your long-term hearing health.

5. Prepare Your Lawn

Lawn mower safety does not come solely from the operation of the machine. You also need to check that the grass is free of debris. These items could fly up and hit you or someone else.

Before you get started, take a few minutes to clear away any rocks, pebbles, or clumps of dirt. These could catch in the mower and turn into projectiles. 

6. Read The Manual

It may not be the most exciting read of your life, but your lawn mower manual is essential. It will help you operate safely, and there may be features and buttons which take you by surprise. Understanding your equipment means you can make the most sensible choices.

Chances are, you have used a lawn mower before, so you may try to skip this step. Remember, however, that each machine is different. Take the time to do your research. If the manual is long gone, a quick online search for the model number should give you the info you need.

7. Keep Children Away From Mowers

To young children, anything can seem like a toy, and a lawn mower is no exception. Make sure to store the machine away when not in use. A child could easily pull the lawn mower over onto themselves, tip it over to cause an injury, or cause other damage. 

When operating the lawn mower, make sure that children are well out of the way. Children tend to move impulsively and are at high risk of significant injuries from lawn mowers. Burns, cuts, and amputations are surprisingly common each year.

Riding lawn mowers create a different level of concern. Around 800 children are run over by these machines every year, and the vast majority of these accidents result in amputation.

Safety First With Lake Region

Keeping your yard in beautiful shape is a joy for many American homeowners. These lawn mower safety tips help ensure that your yard looks fantastic while everyone stays safe.

One of the best ways to protect your family and loved ones is to be sure that you have excellent insurance coverage. At Lake Region Insurance Agency, we offer a great variety of policies. 

As independent agents, we can access a wide selection of options. This range allows us to tailor the coverage you purchase to your exact requirements. Get in touch today with one of our agents. We offer a free consultation in our offices in Cokato, Willmar, and New London, MN. 

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Term Life vs. Whole Life Insurance: What’s the Difference?

Protecting your loved ones in the event of your death or catastrophic illness is essential. People want to ensure financial security for their families but wonder about term life vs. whole life insurance. What are the benefits of each policy, and which one is the best fit for your family?

At Lake Region Insurance Agency, we help Minnesotans in Cokato, New London, and Willmar, MN. We decode the particulars of whole life and term life insurance, so you avoid confusion. And we shop from an extensive list of insurance providers so that you can select the policy that meets your needs. Give us a call today to receive a free insurance review and quote.

Why Do I Need Life Insurance?

A life insurance policy can help those you love to pay for expenses like rent, mortgage, food, and childcare. And life insurance payouts can help cover funeral and burial costs, as well. 

Even if you’re not the primary breadwinner in your household, you should consider carrying life insurance. You likely provide necessary care for your family that they will still need if you’re gone. 

The services that a stay-at-home parent provides carry a value of more than $178,000, making them costly to replace. A life insurance policy can help cover the cost of those tasks so that the household can keep running.

When purchasing a life insurance policy, you need to look at who in the household provides both the finances and general upkeep. You can then choose adequate coverage to continue your life with as little interruption as possible if the worst happens. 

What Is Term Life vs. Whole Life Insurance?

People often shy away from choosing a life insurance policy because they feel overwhelmed by the options. They may not know the difference between policies, so they just ignore this critical piece of their financial security. 

Owning a life insurance policy is too vital to ignore. So here is a breakdown of the primary two choices.

Term Life Insurance

Term life insurance means you purchase a policy that’s active for a specified period. You can choose how much coverage you have and the length of time you have it. You’ll pay a set monthly premium for your coverage that remains consistent throughout the length of the term.

Most term life policies come in chunks of 10, 20, or 30 years. These policies carry different premiums depending on your health and overall risk factors, such as:

  • Age
  • Gender
  • History of Smoking
  • Occupation
  • Chronic Illness: such as diabetes, heart disease, or high cholesterol

A term life insurance policy pays out only if the insured person dies. Generally, people choose this type of coverage until certain milestones occur. For example, you may want to select a policy term length that would cover you until:

  • You pay off your mortgage.
  • Your children graduate from high school or college.
  • You pay off all consumer debt.
  • You save enough money to retire comfortably and pay your living expenses.

This type of insurance policy carries no cash value for the person who owns it.

Whole Life Insurance

As the name suggests, this type of permanent life insurance covers you for your whole life. These policies provide a cash payout to your loved ones in the event of your death, just like term life policies. 

However, whole life insurance builds cash value over time, like an investment. The premiums for this kind of policy are considerably higher than term life policies, but they stay consistent as long as you hold the policy. You also lock in a guaranteed cash value rate.

Some whole life policies may also pay out regular dividends. You can take this in cash or use it to offset premium costs or obtain more coverage.

Choosing the Right Life Insurance Policy

So, how do you choose the best policy for your family? Here are a couple of questions to ask yourself. 

  • Are you caring for a loved one with a chronic illness or disability? If so, a whole life policy may be a good choice for you. You’ll pay more in a monthly premium, but you’ll also build cash value. This amount can help your beneficiaries cover any estate taxes as well as your final costs like funeral and burial.
  • How much can you afford in premiums? Permanent life insurance policies have higher premiums than term life plans. Depending on your current income, you may opt for a term life policy.
  • What are your health status and family situation? Your age, overall health, and the ages of your children can help you choose the right policy for your needs. You may opt for term life for lower premiums and invest the money you save in other retirement accounts. 
  • Are you looking for an investment option? Term life does not carry any value unless the policyholder dies. Then it pays out to the beneficiary. Whole life, however, does have a value that can be part of an investment strategy. It can also offer a cash payout if you surrender the policy.

 

How Much Coverage Do I Need?

A good way to calculate how much coverage to purchase is to multiply your annual salary by 10. The cash benefit of either a term or permanent life insurance policy should be enough to replace your income for several years.

If you are purchasing life insurance for someone who does not have income, choosing an amount can be trickier. Consider what it would cost to replace what they do for the household. Would you suddenly need to pay for childcare or housekeeping? Would you need to hire someone to do grocery shopping? All of these needs deserve attention.

Lake Region Insurance Agency Takes Care of Its Neighbors

We’ve seen our community in Greater Minnesota through some of the toughest challenges life dishes out. We can help your family feel secure in times of uncertainty.

And if you’re still not sure about term life vs. whole life insurance, we have you covered. Get answers to all your questions about life insurance and more with a free consultation. Call one of our independent agents today, and let’s get started.

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A Guide to Preparing Your House for Severe Weather Storms

Severe weather storms in the Northland are no joke. In Minnesota, every season brings both extreme beauty and the potential for life-changing catastrophe from Mother Nature. With storms comes the likelihood of property loss or damage from weather events.

Taking a few proactive steps during calmer times is the key to maintaining your home and family’s safety. It’s smart to “batten down the hatches” on your home and property before the next thunderhead rolls in. 

At Lake Region Insurance Agency, we help you protect your belongings before you ever need to file a claim. And, if the worst happens, we’re with you every step of the way through the claims process. Give us a call or stop by for a free insurance review. You will see how we stand up for our neighbors in Cokato, New London, and Wilmar, MN. 

Prepping for Severe Weather Storms

Depending on the season, Greater Minnesota can experience significant storms that include:

  • Blizzards
  • Gale-Force Winds
  • Ice
  • Hail
  • Lightning
  • Tornadoes
  • Flooding

Now with hot weather approaching, be sure to get ready with these summer weather safety tips.

Inspect Your Roof

Your roof is the primary structural concern during any storm. Heavy rain, hail, and wind can break off shingles and cause leaks and damage to the roof. Lightning strikes and falling trees create even more risk.

Get ahead of the game by regularly checking your roof from the curbside. Check for loose or peeling shingles, debris piling up, and overhanging tree branches that could fall and cause trouble.

Invest in a professional roof inspection each year to locate any areas of significant wear-and-tear, leaks, or water damage. The expert will likely check for signs of leakage in your attic, on walls, and ceilings. They also may check the stability of your beams and joists.

 

Your inspector can help you determine whether to repair or replace your roof based on its age and integrity. Making small repairs now can help you avoid more costly damage when the next storm hits.

If you own a business that needs a new roof, consider shingles rather than metal. With shingles, wind damage may only affect a portion of your roof instead of lifting off entire sections.

Trim Your Trees and Shrubs

Severe weather affects not only your buildings and vehicles, but it also can damage trees and shrubs. And those same trees that provide shade to your home on hot days can cause destruction during a storm.

Be sure to do regular maintenance on the trees and shrubs around your home. Keep them trimmed and pruned as needed. Remove dead limbs or trees since they can be safety hazards. Stay safe by hiring a professional tree trimmer to do big jobs or any that require climbing.

Choose Your Landscaping Carefully

Rocks and gravel can become projectiles that inflict even more damage to your home or vehicles during a storm. Softer landscaping materials in your yard make a safer choice during a storm. 

Shelter In the Safest Place

For optimal storm preparedness, take the time to identify the safest place in your home to ride out severe weather storms. This spot may be your basement, an under-the-stairs closet, a bathroom, or a central room away from windows. 

Check to be sure that everyone in the house knows where the “safe place” is. You should also stock your safe meeting room with emergency essentials like:

  • A first aid kit
  • A radio with extra batteries to keep up with weather reports and storm warnings
  • Non-perishable snacks and foods
  • Diapers and formula, if applicable
  • Diversions such as playing cards or board games
  • A few day’s supply of bottled drinking water
  • Any medications you may need
  • Pet food, medication, and a litter box

Remember to stay away from windows and doors when the storm arrives. Watching the power of an oncoming storm from your porch can be tempting. But it’s best to find shelter as soon as the weather warnings occur.

Take time to map out a couple of possible “escape” routes for when the storm is over. Thinking this through ahead of time gives you choices. In a severe storm, your normal road could wash out or have fallen trees blocking it.

Secure Heavy Furniture

It’s essential to secure top-heavy items to a wall. Pay attention to:

  • Dressers 
  • Wardrobes 
  • Curio Cabinets 
  • China Cabinets 
  • Free-Standing Pantry Units 
  • Storage Cupboards 

You can find the appropriate metal brackets and screws at any local hardware store. Be sure to secure the furniture to a wall stud, not just the sheetrock. A stud is the sturdiest attachment point. As always, call a professional if you are unsure how to do this safely.

Communication Is Key

Having a family emergency action plan can help ensure all your loved ones stay safe during a storm. It’s much harder to be strategic when the winds, rain, and flooding begin. Make it a priority to put a clear plan in place and make sure the whole family knows the protocol.

Practicing emergency drills with small children in your home is a great idea during times of calm. And this habit can save lives later. As early as possible, walk your children through how to unlock your phone and dial 911. You can role-play with them how to speak to first-responders.

You can even download an app on your phone to help your children practice dialing 911!

Lake Region Has Your Back. And Your Siding. And Your Roof.

In Greater Minnesota, damaging storms can hit any time of the year with little warning. Taking proactive steps to protect your home and property can save you money, energy, and stress when extreme weather comes.

Protect your home and vehicles with coverage through Lake Region Insurance Agency. You will gain peace of mind with our expert team on your side. 

As independent agents, we shop the market for the best coverage to fit your budget and your needs. Call our offices in Wilmar, Cokato, and New London, MN, for a free quote. Get a jump on safety and protection in any Minnesota season.

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How To Stay Safe on a Motorcycle This Summer

Through the long winter months in the Northland, Minnesotans dream of warmer weather and getting out in the sunshine. Motorcycles are a fun way to enjoy the back roads and scenic highways, but you must know how to stay safe on a motorcycle for the most care-free touring experience.

No matter what you’ll be driving this summer, the Lake Region Independent Agents can find the coverage you need. Visit our website today to schedule a free insurance review or consultation. Our agents are available in Cokato, Willmar, and New London, MN. We’ll help you select the best plan on the market for your needs.

How to Stay Safe on a Motorcycle at All Times

At Lake Region Insurance Agency, we want to make sure all our clients get out there and enjoy Greater Minnesota. But safety is paramount when you do it on your motorcycle. We’ve assembled several tips to help you enjoy your bike with confidence and care.

Start with the right bike for your body size and experience.

It’s critical to try several different motorcycle models before you make a purchase. You’ll need to determine how much bike is right for your body size and frame. And you need to learn what you feel comfortable supporting. 

For example, it’s unlikely that a 6-foot-6-inch person will feel comfortable riding a smaller sportbike for long periods. On the flip side, a person of smaller stature may feel awkward atop a full-size motorcycle where their feet barely touch the ground. 

There is another crucial bike-size factor for safety. You must make sure you feel confident in supporting and balancing the bike’s weight when you’re at a stop. If you try out a motorcycle and always feel like you’ll tip over, then it may not be the best fit. 

To be safe, you need to be able to:

  • Sit comfortably on the bike.
  • Support the machine’s weight.
  • Lift and lower your feet with ease when transitioning from a stop.

Engine size is another essential aspect of safe motorcycle riding. It’s a good idea to start with a smaller, less powerful engine as a beginning rider. Bigger engines pack more punch and require significant control. 

For newbies and experienced riders alike, make sure you know the bike’s speed and acceleration capabilities. You have to handle the horsepower underneath you before you hit the road.

Take a class (or two or six).

Education and practice are two hallmarks of safe riding in Minnesota and beyond. Minnesota offers a comprehensive menu of safe rider courses all over the state. 

When you sign up for motorcycle safety training, you receive a lot of valuable information. You’ll get online classroom instruction on safe riding practices, applicable laws, and defensive driving techniques. Plus, you will practice your skills on a suitable and dedicated course with a training bike. You’ll learn road skills like:

  • Stopping
  • Shifting 
  • Turning
  • Clutch and throttle control
  • Straight-line riding techniques

Classes target beginners, intermediate riders, and experts. The skills taught in each course differ according to your level of expertise and experience. 

Keep your riding skills fresh by taking a new course before that first long ride of the season, even if it’s a repeat. You’ll likely gain practice in an area where you feel less confident each time you take the class.

Grow an extra set of eyeballs.

Most motorcycle accidents occur because a car driver didn’t see a motorcyclist. You’ll need to hone your defensive driving skills to remain safe on your bike. Be sure to stay clear of other motorists’ blind spots on the road. And don’t assume that cars, trucks, and commercial vehicles can see you.

Get visible with your gear.

It can be tempting to kit yourself out in the classic black leather of the iconic rider. Leather can provide excellent skin protection and keep you warm in the elements. However, high-visibility gear is the way to go for safety.

When you wear bright yellows, greens, and oranges, you’re more visible on the road to other drivers. Visibility means increased safety. Motorists may notice you more quickly during turns, at intersections, or on the freeway. 

With the increasing trendiness of high-vis motorcycle gear, you have a lot of options available. Now there is a wide array of state-of-the-art materials in styles for any preference.

Don’t forget your helmet.

Helmet laws are controversial in many states. But the fact is, motorcycle helmets significantly reduce the instance of head injuries and the risk of death. The statistics are staggering and illustrate the importance of helmet use. When wondering how to stay safe on a motorcycle, using a helmet is critical.

Make sure your helmet is DOT approved and no older than five years for the best protection. Inspect your helmet each season for signs of wear or damage. 

If you purchase a helmet online, be sure the vendor has a comprehensive sizing guide. Quality vendors will have you take your exact measurements and submit them before ordering your helmet.

Your helmet fits properly when it’s snug but comfortable. When wearing your helmet, you should be able to shake your head gently and have the helmet stay put. This is especially important for young riders. Never put an adult helmet on a child. Kids should always have their own properly-fitted protection.

Get Comprehensive Insurance Coverage for Your Motorcycle

Of course, we hope that adopting the above safety precautions means you never get in a motorcycle accident. However, things happen on the road that you can’t control. Be sure you have coverage for every eventuality.

A motorcycle insurance policy from Lake Region Insurance Agency can increase your peace of mind when you’re on the road. Comprehensive coverage can help address medical bills, property damage, liability, and damage to your bike if there is an accident. It can also offer financial protection in the event of theft, vandalism, or fire.

Call or stop by one of our offices, and we’ll shop our extensive network of providers for the best deals. Ride easy knowing that Lake Region Insurance Agency has your back when you’re on the open roads of Greater Minnesota.

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Essential Spring Home Maintenance Checklist

It’s time to open the windows and let in the fresh air. Spring is officially here! How deep does your spring home maintenance checklist go? This time of year, it’s great to go beyond basic spring cleaning to get your house in excellent shape.

Maintenance isn’t the only thing your house needs to stay safe. Make sure you have adequate homeowners insurance in place, as well. Reach out today to the team of independent agents at Lake Region Insurance Agency for a free review.

Get Started On Your Spring Home Maintenance Checklist 

No matter where you live, spring is a great time to give your home some love and attention. Whether you are emerging from a gloomy winter or just want to freshen up your place, now is the perfect opportunity. With indoor and outdoor projects, you’ll soon get everything ship-shape.

Exterior Maintenance

These projects on your spring home maintenance checklist are best to do before the summer heat arrives.

  • Investigate the Roof – Safely and carefully assess your roof for any damage, leaks, or missing shingles. Or hire a professional to do the inspection for you. Address problem areas quickly so that your roof will last its proper lifespan.
  • Clean the gutters – Clear the gutters of any leaves or debris. Check the downspouts to ensure nothing is clogging them, and caulk any holes to prevent leaking. If they are sagging or are detached, reattach the gutters and replace any old or broken hardware. And make sure that downspouts are draining away from the home’s foundation. 
  • Examine the Concrete – Take a walk around your property to check the concrete patios, driveways, and pool foundations. If there are small cracks, you might be able to fill them with a concrete filler or a water-resistant silicone. However, if the concrete has severe damage, reach out to an expert to talk about replacement.
  • Inspect Faucets – Turn on outdoor faucets and check for any damage after the winter. Watch for leaks since they can strain your water bill. If your water pressure seems unusually low, you may have a cracked or broken pipe. Call a professional for help.
  • Clean the Air Conditioning Unit – Spring is the perfect time to take care of your HVAC system. Vacuum and wipe the vent to get rid of dust, and replace the filters before use. Spring is also an excellent time to schedule an AC tuneup and servicing. 
  • Give Your Deck Some TLC – Check the deck for any loose or missing nails or fasteners. Test the railing and stairs to be sure everything is still attached correctly. Look for water damage and stains, and replace any boards that are loose or rotting. A powerwash can help with the overall appearance of your deck.  
  • Check Your Fence – The winter weather can be hard on wooden structures such as decks and fences. After you care for your deck, it’s time to take a look at your fencing to check for decay and damage. Unless you really love your neighbors, you probably want your fence to remain intact.
  • Assess Windows and Doors – Now is the time to install screens if they aren’t already in place. Patch up tears or purchase a new screen if necessary. Check the seals on your windows to be sure they are ready to keep the summer heat out of your home.
  • Test the Sprinklers – Turn on the sprinklers and check for leaks or broken sprinkler heads. Replace heads and hoses if needed. Adjust the sprinklers so that they spray toward the grass and away from the house, sidewalk, and patios. Make sure to set your timer the way you want it.
  • Dress Up the Landscaping – Clear out the weeds and debris that collected during the winter and pack soil into any low areas in the ground. This step will help prevent flooding from spring rain. Cut back shrub overgrowth and add new plants, if desired. Small changes can make you feel like you have a whole new home with a boost to your curb appeal.

Interior Maintenance

Spring cleaning your home is an excellent way to feel happy in your space. But there are often interior projects that need your attention, too. Your spring home maintenance checklist is just as essential inside as it is outside. 

  • Open the Windows – It’s time to let the spring air in to freshen things up a bit. Clean the window frames of any dust, dirt, or mold that are lurking there.
  • Pay Attention to the Attic and Basement – These two spots are prone to mold growth because they are often damp, dark spaces. Check around the baseboards and lower section of each wall for moisture build-up. Clean up and dry any water to prevent the formation of mold. If you see some suspicious areas, call a professional for help to protect your health and safety. 
  • Do Routine Safety Checks – Test all the smoke and carbon dioxide detectors within your home. If necessary, replace the batteries immediately. Ensure that all exhaust fans are clean and in working order. And if you have a fire extinguisher in your house, make sure it is accessible and that the needle is within the green zone. Don’t have one yet? It’s time to get one.
  • Clean the Furnace – Your furnace has worked hard over the last few months to keep you warm. It now deserves a well-earned cleaning of the filter, motor, and blower. If you do not feel confident cleaning the furnace yourself, call in a professional. They will take care of this vital system so that it can continue to serve you.
  • Plan Other Upgrades – Spring is the perfect time to install new lighting, appliances, or other necessary items for your home. When planning these updates, you should consider energy-efficient options to help reduce utility costs. 

Enjoy a Safe Home This Season

Once you finish your checklist, you will be ready to enjoy the summer. And to be sure your house has the protection it needs, connect with a Lake Region agent today. We offer free insurance quotes and reviews for everything from home to life policies. Call or stop in at one of our Greater Minnesota offices today.