Auto Insurance is required by law and provides property, liability and medical coverage in the event of an accident or theft. There are great variations in the cost, and the Hal Tiffany Agency can help you save money by comparing the coverage and pricing among multiple insurance companies. The agency will use several methods to lower the cost such as multi-policy, multi-car, Defensive Driver Programs (Minnesota Safety Council, on-line classes, Smart Choices (Call 612.824.1284), Top Driver, etc.), low mileage credits and Good Student Discounts.
The coverage you have depends upon on the type of policy you purchase. Unlike auto insurance, where the policies do not vary much, homeowner policies can be quite different depending on the “form” number. The most common types of homeowner policies are:
The policy forms listed above are provided for information purposes only. They are not intended to endorse, recommend or comment on the form provided by any particular carrier. The forms in no way imply that these homeowners policy forms are the only forms available for homeowners coverage. We encourage you to contact your agent to determine what insurance companies provide the coverages that best suit your needs.
All homeowner policies are “package” policies. You get a group of coverages packaged into your policy for one overall premium. They include coverage on the home itself, your contents, outbuildings, etc. and liability in case you are sued for a slip and fall, recreational accident, etc.
As you seek to cover your boats, ATV’s, snowmobiles and wave runners for their value and for the liability exposure; our team at Hal Tiffany Agency will ensure that you have appropriate amount and limits. We use “toys” like many of you and understand the importance of the correct coverage.
We can insure all of your collectibles including jewelry, sterling silver and gold ware, fine arts, guns, sports memorabilia, furs and wine collections. We will work with you to secure the best options possible with coverages ranging from expanded blanket limits to individual scheduled items.
Hal Tiffany Agency Inc. will help you secure the proper umbrella limit to adequately protect your current net worth and future earnings as well. As an independent insurance agency, our staff will study the intricacies of the policies and present those that suit you the best. We also use state of the art rating systems to compare pricing and coverages to suit your needs and to adjust to changes in the insurance marketplace.