Short of wrapping yourself in bubble wrap and living in a hermetically sealed dome, you’ll likely face a few risks in your daily life.
At Lake Region Insurance Agency, we understand that bad things sometimes happen to your home and other personal property. After working hard to own the things you have, you deserve to have some protection in place for those items.
Our hometown agents in Willmar, Cokato, and New London, MN love where we live. We listen to your needs to learn which policies and coverages are appropriate for you. And we maintain a steady and supportive relationship with all our clients long after we secure the policy.
As an independent insurance agency, our loyalty is to our clients, not to an insurance company. This freedom is why we can provide excellent service to our clients through every stage of their lives.
When considering a home or personal insurance policy, we invite you to discover what we have to offer:
Our owners and agents live, work, and play in the New London, Willmar, and Cokato, MN communities. We thrive on our deep roots in Greater Minnesota, and we love nothing more than helping our fellow Minnesotans protect all they’ve worked for with superior insurance coverage.
Your homes, cabins, cars, trucks, SUVs, minivans, and collectable autos are safe in our hands. Plus, if you need liability coverage for a rental property, we specialize in meeting and exceeding your expectations.
We have more than 50 years of experience providing every type of insurance policy for our friends and neighbors. And we are proud to deliver the best in coverage and claims service at all of our agency locations.
Our priority is you, our customer. With independence comes the power to research the insurance market at large for the best policies and premiums to fit your budget and coverage needs precisely.
Plus, we encourage regular policy check-ups to be sure your coverage meets your needs, and you get the best deal on premiums and multi-policy discounts. As your life changes, your insurance needs change. We are here to help you stay covered and up-to-date.
We love getting to know our neighbors. Stop in to see us or call to set up an appointment. We can’t wait to get acquainted and discover what’s most important to you.
Our agents are ready to help you understand the coverage you need and ensure you breathe easy with your policy choice. We have your back when Mother Nature, other drivers, or shady characters try to turn your life and property upside down.
Put your trust in Lake Region Insurance Agency for superior coverage and peace of mind.
We recommend you invest in homeowner's insurance to protect your property and yourself. To help, we offer specially designed rental property protection.
Yes, exterior damage to your home can be covered by our policies. For example, if something happens to your windows, the home's foundation, and of course, the roof, you will be covered. Homeowner's insurance can cover everything from damage to the inside of your home to its outside to personal assets. It can even cover you – protecting you in case of a personal injury.
Yes, The Insurance Services Office (ISO) rating of your local fire department will affect the cost of your homeowner's insurance. The ISO analyzes how your fire department is prepared to protect the local community and, therefore, your home.
Regarding home protection, 'deductible' refers to the amount of money you would like to pay towards an insured item before the insurance company steps in. The deductible can be a set amount or a percentage of the full policy cost, depending on the provider. Usually, the higher your deductible, the cheaper your home insurance policy is.
Usually yes, but certain items such as heirlooms may need a separate policy. Homeowner's insurance covers the interior and exterior of your home, your personal belongings, and other assets in the house. In most homes, these policies cover all of your valuables. However, if you own valuables such as art, antiques, designer items, or fine jewelry, you may have to pay a premium, or they may need to be separately insured. We can help as we provide special Valuable Items cover
Homeowner's insurance does not cover everyday damage or wear. So if your belongings, electronics, or appliances stop working because they are old or poorly maintained, they will not be covered by your policy. Home insurance policies are usually for emergencies only, such as flooding, theft, or fire. Similarly, most policies do not cover your valuables when you take them out of the house. For most providers, these valuables need to be specifically outlined in advance or separately insured.
Catalytic converter theft has become an increasingly pervasive problem for car owners throughout the United States. For example, in 2021, Minnesota lawmakers introduced a bill
When winter kicks in, you know the kind of havoc that the snow build-up causes. Not only does it knock down power lines and trees,