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Whole Life Versus Term Life Insurance

Chances are that you’ve heard a lot about the importance of life insurance.  No one really likes to discuss their own mortality or how their families will get by without them. Unfortunately, it may be one of the most important conversations you’ll have to make for the sake of your family. Here’s what you need […]

What Kind of Insurance Do You Need as a Vacant Land Owner?

Vacant land owners have plenty of things to worry about, and getting the right insurance can make a world of difference when it comes to mitigating risks. But it isn’t always easy to know which kind of insurance is the right coverage for your vacant property. The fact of the matter is that insurance for […]

What Type of Insurance Do You Need as a Tow Truck Company?

Tow truck companies perform valuable services for their communities. If you own a tow truck company or are considering purchasing one, tow truck insurance is a necessity.  The insurance needs of tow truck companies vary significantly from one company to the next. Working with an independent insurance agency, like Otterstedt, can help you customize your […]

How Much Homeowners Insurance Do I Need?

Homeowners insurance covers more than your home. It also includes things like your personal property and can offer protection for your savings. The types and amounts of homeowners insurance you need can vary based upon several factors. Keep these considerations in mind when choosing your insurance and determining the amount of homeowners insurance necessary to […]

7 Tips to Help Reduce the Risk of a Data Breach

One of the most terrifying things for all businesses today is the risk of a data breach. According to Forbes, small businesses account for 58 percent of cyber attacks, and the costs of recovering from a breach will put many small businesses out of business. In fact, 60 percent of small businesses (those with fewer […]

Does Home Insurance Cover Damage From Frozen Pipes?

Frozen pipes can do a real number on your home. From a total flood to massive water damage, it’s all bad news. The only worse news that could come along would be the news that your insurance refuses to pay for the damage. While this isn’t always the case, there are certain circumstances in which […]

What Type of Insurance Do You Need for Your Recreational Needs?

As a society today, we believe in working hard and playing just as hard. We love to live out loud and outdoors. Whether your interests lean towards hunting, camping, fishing, or boating, your “toys” are investments in your recreational happiness. It’s important to protect those investments with the right kind of insurance. RV Insurance and […]

10 Winter Driving Tips for Commercial Truck Drivers

When winter arrives, commercial truck driving in the snow can become a challenge. Twenty-one percent of vehicle accidents are due to bad weather, according to the Department of Transportation. To help, below are 10 winter driving tips for truck drivers. 1. Mind Your Speed When driving a tractor trailer in snow, you might face certain weather […]

Auto Insurance Claims Process: What if I’m At Fault?

Auto insurance is one of those products in life you purchase, hoping never to need. Even if you do find yourself in need of making an auto insurance claim, the process is one that is, hopefully, rare enough that no one is really an expert at filing.  What many people aren’t aware of is that […]

Planning For The New Year? 7 Reasons Why You Need an Independent Insurance Agent

Shopping for insurance can be overwhelming, complicated, and confusing. Not only do you want to save as much money as you can on your personal insurance or business insurance policy, but you also want to ensure you’re getting the optimal coverage you, your family, or your business. In order to make the proper choice for […]

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