Business Insurance 101: What It Is, What It Covers and Different Types
Running a business requires more than delivering a product or service. It requires protecting your company from financial loss that could arise from lawsuits, property damage, employee injuries, or unexpected interruptions. Even well managed businesses face risks that cannot always be prevented. A single claim or accident can create serious financial strain and disrupt operations […]
9 Reasons To Choose An Independent Insurance Agency
Independent insurance agents provide a flexible, multi-carrier approach to coverage by working with 5–15+ insurance companies, allowing you to compare pricing differences of 10–30%, evaluate policy options, and adjust coverage as market conditions change. They combine digital tools with expert guidance to assess risks, identify coverage gaps, and support claims and policy updates, offering advantages […]
How to Reduce Auto Insurance Premiums While Maintaining Full Coverage
If you are looking for ways to lower car insurance costs in South Dakota without sacrificing coverage, the first step is understanding how auto insurance pricing actually works. Premiums are influenced by coverage limits, deductibles, vehicle type, driving history, mileage, and how insurance companies assess risk in your area. This guide explains how South Dakota […]
Benefits of Bundling Renters Insurance and Auto Insurance
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 […]
What is Commercial Auto Insurance and What does it cover?
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 […]
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 […]