Heartman Insurance

We are wishing all our customers and friends a happy, healthy holiday season!

Due to a planned power outage, our Faribault office location will be closed on Thursday, October 23rd. All staff will be available remotely by calling 507-334-5577. The office will re-open when power is restored.

Thank you!

The property insurance market proves to be difficult and many property owners are seeing changes to their insurance coverages and premiums.
We strive to educate our customers and this article helps explain many of the changes and challenges in property insurance nationally.

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Changes To Insurance Policies Are Effecting Homeowners In Minnesota - CAM As insurers face rising costs from severe weather, homeowners insurance policies are being adjusted to limit their financial exposure, particularly concerning storm and wind damage. Major changes include higher, percentage-based deductibles; reduced coverage for older roofs; and limitations on cover...

HEAT STRESS, HEAT EXHAUSTION, AND HEAT STROKE: WHAT’S THE DIFFERENCE?

You may think that heat stress, heat exhaustion, and heat stroke are just different words for the same malady. They’re not. Heat-related illnesses exist on a continuum, and to properly protect yourself, your workers, and your livestock, it’s important that you know the difference.

Know the signs, symptoms, and treatments for heat-related illness As summers get hotter and drier, it’s more important than ever to recognize — and know how to treat — heat-related illnesses.

Motorists and motorcyclists should be aware of a major new traffic law that goes into effect July 1 in Minnesota.

Motorcycles in Minnesota will now be able to split lanes — here's what that means Beginning July 1, motorcyclists in Minnesota are allowed to maneuver between vehicles in certain situations when traffic is stopped or moving slowly — techniques known as “lane splitting” and “lane filtering.”