Overlooked Benefits of Bundling Renters Insurance and Auto Insurance
Bundling renters’ insurance and auto insurance is often pitched as a simple way to save. The discount is real, but the hidden value goes further. When your policies live with the same carrier, you can streamline billing and claims, close protection gaps, and get more tailored advice during policy reviews. This guide breaks down how […]
What Is Commercial Auto Insurance?
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 coverage. But even if […]
What Is the Difference Between Term and Whole Life Insurance?
When it comes to life insurance, one of the most common questions we hear is: What is the difference between term and whole life insurance? If you’re trying to protect your family’s future, choosing the right type of policy is critical—but understanding the pros and cons of each option isn’t always easy. At First State […]
What Is Homeowners Insurance? What Does It Cover?
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 […]
What is Workers’ Compensation Insurance and What does it Cover?
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 […]
Average Cost of Car Insurance in MN in 2025
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 […]
What is the Average Cost of Homeowners’ Insurance in Minnesota?
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 […]
Storm Season Is Here – Is Your Insurance Ready?
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 […]
What If Summer Gets a Little Wild?
“What If” Summer Scenarios (That Could Really Happen) Summer is here—and with it comes sunshine, grilled burgers, poolside laughs, road trips, and unforgettable memories. But as much as we all love the season, it doesn’t always go off without a hitch. At Central States Insurance, we’ve helped many people navigate summer surprises with the help of […]
First State Insurance Agency Southwest, Inc. Expands with Acquisition of Central States Insurance
Worthington, MN – June 12, 2025 – First State Insurance Agency Southwest, Inc. is proud to announce the acquisition of Central States Insurance, a well-established, Sioux Falls, SD–based agency. This strategic move not only strengthens First State’s footprint in South Dakota but also expands its service into the Pipestone, MN market. Central States Insurance has earned a […]