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Modern Insurance Services Blog

All You Ever Wanted to Know About Insurance

How Major Life Events Impact Your Insurance Needs

Life's biggest milestones, like marriage, buying a home, or having children, often bring new financial responsibilities and changes in your insurance needs. To ensure you and your loved ones have the right coverage in...

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Insurance Considerations for Newlyweds: Merging Policies and Coverage

Starting a new journey together as newlyweds is an exciting time filled with hopes, dreams, and plans for the future. Amidst the whirlwind of changes, it’s crucial not to overlook the practical aspects of merging your...

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Avoiding Common Home Insurance Claims During Renovations

Renovating your home can be an exciting journey, transforming your living space into the dream dwelling you've always wanted. However, amidst the excitement, it's crucial to undertake precautions to avoid common...

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Essential Fire Safety Tips for Your Home

Taking care of fire safety at home is a key part of managing your household. Each year, fires in residential areas cause significant property damage. However, many of these incidents may be prevented with the right...

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The Essential Guide to Creating a Home Inventory: Why and How

In the aftermath of an unexpected event, such as a fire, theft, or natural disaster, having a comprehensive home inventory can be a lifeline. This detailed list of your possessions not only aids in the homeowner...

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How to Choose the Right Contractor for Home Improvement Projects and Avoid Liability Claims

If you’re planning a home improvement project, you probably have many contractors available to choose from. How do you pick the right one that will get the job done safely and without liability issues? Follow these tips....

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Top Home Improvement Projects That Can Increase Your Home Value

When you tackle home improvement projects, it’s wise to prioritize those that add the most to your property’s value, especially if you might put your home on the market in the next few years. Here are the renovations...

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What to Look for When Buying a House to Avoid Unnecessary Insurance Claims

If you’re house hunting, you’re probably looking at many elements like the number of bedrooms or how updated the kitchen is. Don’t forget to check for these things too, which which may help avoid home insurance claims...

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Renting vs. Owning a Home: Protect Your Property No Matter Which You Prefer

If you’re on the fence about renting or owning a home, here’s a helpful look at the upsides of each option. Remember to get the right insurance when you make your choice, so your property is fully protected. The...

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The Anatomy of a Typical Home Insurance Claims Process

If you’ve ever filed a home insurance claim, you may have wondered what goes on behind the scenes. Insurance companies follow established procedures, and knowing them helps the insured understand the process. The...

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Three Ways a Pool May Affect Your Homeowners Insurance

That oh-so-covetable experience of taking a dip in your very own pool? Millions of American households enjoy it, at least when the weather’s nice. With the summer heat ratcheting up, you may be coming down with a...

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Easy to Forget Cleaning Projects

As a busy homeowner, it's easy to fall into the trap of pushing off tasks that maintain the long-term value of your home in favor of more pressing problems. That’s OK, to a point, as certain house-cleaning projects...

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Burglary Prevention: Should You Leave the Lights On?

It seems like a no-brainer to leave the lights on outside your home to deter burglars while you’re away (or even while you’re asleep). But does that really work? Or is it just a waste of electricity — particularly this...

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Which Home Alarms Do You Need?

Technology has made home alarms of all kinds — from security to smoke, radon to radiation — more accessible than ever. Many of them can be configured to work together, and some even alert you to trouble through your...

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Device Insurance: Cover Your Personal Electronics With the Policy You Already Have

It seems everyone these days has a smartphone. Or a smart TV, a tablet, or an ebook reader. Or all of the above – and more. When you add it all up, you may find you have thousands and thousands of dollars tied up in...

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What Should Go in Your Home Safe (or Safe-Deposit Box)?

Spring has arrived, which means it’s time to clean the cobwebs out of the corners, organize the closets and so forth. While you’re at it, don’t forget to revisit the important documents and other items you have in your...

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The Type of Fire Extinguisher Every Home Should Have

A fire is a fire, and a fire extinguisher is a fire extinguisher, right? Well, not quite. There are actually different types of fires and different types of extinguishers that respond best to each one. So, which is...

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Thrifty Security: Burglar-Proof Your Home for the Holidays

It's not unusual, when you set out on that holiday trip, to look back at the house a little nervously. Sure, you remembered to lock the doors, but just how secure are things? What might happen while you're away?One way...

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Spring Into Home Maintenance Mode in Minnesota

Spring is a time for rejuvenation, and, as the weather gets warmer here in Detroit Lakes, Minnesota, and the days grow longer, there's a positive energy in the air. Many people decide it's the perfect time for...

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