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Bundling renters insurance and auto insurance is often promoted as a way to save money, but the benefits go beyond a simple discount. When both policies are with the same insurance carrier, renters can reduce overall insurance costs, simplify billing, close coverage gaps, and manage claims more efficiently over time. As auto insurance premiums remain elevated and renters look for

Whether you’re delivering food, hauling equipment, or transporting clients, using a vehicle for business purposes comes with added risk, and personal auto insurance won’t cover it. That’s where commercial auto insurance comes in. If you’re a business owner in Minnesota or South Dakota, you may be legally required to carry commercial insurance coverage. But even if you’re not, failing to

The difference between term and whole life insurance comes down to how long the coverage lasts and whether it builds cash value. Term life covers you for a set number of years at a lower cost, while whole life covers you for your entire life and builds cash value at a higher cost. This guide breaks down how each policy

For many people, their home is their most valuable investment—and protecting it starts with the right insurance. But when it comes time to choose a policy, one of the most common questions we hear is: What is homeowners insurance, and what does it actually cover? At First State Insurance, we help homeowners across Minnesota and South Dakota make sense of

If you run a business, you’ve likely heard of workers’ compensation insurance, but what exactly does it cover, and do you really need it? Whether you’re hiring your first employee or managing a growing team in Worthington or Sioux Falls, understanding what workers’ compensation insurance is could be the difference between a minor accident and a major financial setback. At

If you’re shopping for car insurance in 2025, you’re probably wondering: What’s the average cost of car insurance in Minnesota right now? With rates shifting due to inflation, vehicle technology, and driving trends, knowing what others are paying helps you gauge whether you’re getting a fair deal or overpaying. At First State Insurance, we help drivers in both Minnesota and