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

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

Workers’ compensation insurance is business insurance that pays medical bills and lost wages for employees who are hurt or become ill because of their job. It works as a trade: the injured employee receives benefits without having to prove the employer did anything wrong, and in exchange the employer is protected from most lawsuits over that injury. Minnesota’s Department of

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

If you’re a homeowner in Minnesota (or thinking about becoming one) you’ve probably asked yourself: What’s the average cost of homeowners’ insurance in Minnesota? It’s a smart question. After all, insurance is more than just a line item in your budget; it’s a financial safety net for everything from storm damage to liability claims. At First State Insurance, we help

Storm Season Insurance Checklist: Be Ready Before It Hits Every year, storm season sweeps in with little warning — catching homeowners and business owners off guard. And when you’re unprepared, that often leads to costly repairs, insurance claim surprises, and a lot of unnecessary stress. At Central States Insurance, we believe in preparation, not panic. Let’s walk through how you can