Reasons Insurance, LLC: independent insurance agency
As of October 31, 2026.
Short, plain-language guides to Minnesota home and auto insurance questions. Each one answers the question first, cites official Minnesota sources, and lists what to ask at your next coverage review.
An ice dam is a ridge of ice at the roof edge that traps melting snow, so water can back up under shingles and into ceilings and walls. Whether a loss is covered depends on your policy's wording, so the useful step is to review how your policy treats interior water damage, the roof itself, and your deductible before winter.
Minnesota is a no-fault state: after a crash, your own auto policy's personal injury protection (PIP) pays certain medical and economic losses regardless of fault. State law requires at least $40,000 of PIP per person ($20,000 medical, $20,000 non-medical), liability of $30,000/$60,000/$10,000, and uninsured and underinsured motorist coverage of $25,000/$50,000 each. These are minimums, not recommendations.
The usual difference is how your belongings are treated: an HO-3 commonly covers the house on an open-perils basis but your personal property only for named perils, while an HO-5 commonly extends open-perils treatment to your belongings too. Insurance companies write their own versions of these forms, so the policy wording, not the label, decides.
Many states use a form called an SR-22 to prove insurance after a license action. An SR-22 is not an insurance policy. It is a certificate your insurer files with the state to show you carry the required auto insurance. Requirements differ by state. Minnesota Driver and Vehicle Services (DVS) lists its own Insurance certificate, form PS35016, for proof of auto insurance, and DVS says it must be completed by an authorized representative of the insurance company, not the agent. Your DVS notice lists the exact reinstatement requirements for your situation.
Minnesota uses graduated driver licensing: teens move from an instruction permit to a provisional license to a full license, with restrictions along the way. Each step is a good moment to review your car insurance, especially when to list the teen, which vehicle they drive, and whether your liability limits still fit.
A cabin or lake home raises different questions than your primary home: how often it is occupied, how it is winterized, what is on the water, and whether you rent it out. Those answers shape the policy, so settle them before you compare options.
We’re an independent agency: we work with several insurers, compare the options available to you and explain the differences in writing. You make the choice. Bring your current policy and we'll read it with you.
This guide is general information, not legal advice. Your policy and your state's law decide how coverage applies. It is not a policy and does not change, add or confirm any coverage. Your policy, including its forms, endorsements and exclusions, decides what is covered. Coverage, availability and prices vary by carrier, property and underwriting. Laws and rules cited here can change; confirm with the official source. Please read your policy and ask us about your situation before you decide. Reasons Insurance, LLC, (651) 636-6911.