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Modern Insurance Services Blog

All You Ever Wanted to Know About Insurance

Give Your Budget a Break this Holiday Season

If you’re like many people in Minnesota, you breathe a sigh of relief once the holidays are over. Until you get your credit card statement, that is. From buying gifts to traveling to entertaining, holiday expenses add...

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Holiday Party Host Liability

Throwing a holiday party? A few simple precautions can add safety to the menu. Whether at an office get together or at your home, take simple precautions to help everyone enjoy their food and drinks safely at your...

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Christmas Trees: the Live vs. Artificial Debate

The Christmas tree conundrum: real or fake? The kind of tree that adorns a person’s home during the holidays can provoke debate as much as Coke vs. Pepsi or Chevy vs. Ford. When it comes to Christmas trees, do you...

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Cyber Monday safety tips - How to Avoid Identity Theft and What to do if You're a Victim

Shoppers who braved the malls on Black Friday might have risked some pushing and shoving but not a lot more. Those taking part in Cyber Monday run the risk of having their identity stolen. The risk is greater because...

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Add some strategy to your Black Friday shopping

If there’s anything more satisfying than melting into the couch following a multi-course Thanksgiving dinner complete with all the fixings, it has to be shopping for the best deals of the season the day after in...

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Think Safety First When Turning Up the Heat

Whether to avoid high utility bills, return to simpler times or for ambiance, a growing number of people from are turning to wood-burning stoves and fireplaces to supplement or replace electrical heating systems. But...

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Tips for selecting a home fire extinguisher

According to the National Fire Protection Association (NFPA) 358,500 home structure fires occurred from 2011 through 2015. On average, these fires caused: 2,510 civilian deaths;12,300 civilian injuries; and$6.7 billion...

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Why you should ALWAYS use an independent insurance agent

There are many ways to purchase an insurance policy these days, whether it be online, over the phone, or in-person. Ultimately, you will obtain insurance directly from an insurance company or through a licensed...

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Make your house a haven for trick-or-treaters

Halloween is one of the fall season’s most treasured holidays. Kids love to dress up, get together with friends, and go door-to-door in search of the biggest and best goodies. If your neighborhood tends to be teeming...

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Fall, Football.... and deer collisions!

Deer-related collisions in the Midwest have been on the rise, particularly in the northern states. Regardless of location, most happen in the month of November, with October and December ranking second and third. The...

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