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Insurance
  • The structure of your home

  • Replacement costs

  • Personal possessions (up to a set limit)

  • Living expenses in case of a disaster

  • Liability

  • Outbuildings (up to a set limit)

 

Homeowner’s coverage doesn’t have to be difficult to understand. A basic Homeowners Insurance Policy will cover the following:

You can also add supplemental policies such as:

  •  Valuable Articles/Floater policies

         (i.e. Jewelry, Guns, Fine Arts, etc...)

  •  Flood policies

  •  Umbrella policies (additional liability)

Life
Insurance

Life insurance is a crucial step in planning for your future and the future of your loved ones.

  • Term Life Insurance provides life insurance protection for a specified period of time.   With some Term life insurance policies, all the premiums you have paid can be refunded at the end of the term if the insurance is not used. Term life is sometimes convertible to permanent coverage, providing you with flexibility as your needs change. 

  • Whole Life Insurance is a form of permanent life insurance that remains in force for your entire lifetime, provided premiums are paid as specified in the policy.

DON'T LET A CLAIM RAIN ON YOUR PARADE.

Request a Free Personal Umbrella Insurance Quote 

INSURANCE

  • Classic Car Insurance – Your classic car is an icon. Insure it well.

  • RV and Mobile Home Insurance – Home insurance for your home-on-the-road.

  • Boat and Watercraft Insurance – Insurance coverage for the captain of the ship.

  • Auto Insurance – Get the right insurance coverage for your car, truck, van or

       other vehicles.

  • Motorcycle Insurance – Ride safe and insure your motorcycle.

  • ATV and Motorsport Insurance – Insurance policies that cover all your toys.

 

The insurance protection you need when you’re on the move:

Vehicle
Insurance
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HOURS & LOCATION
Location

606 25th Ave S, Suite 111

St Cloud, MN 56301

 

Tel: 320-251-1997

Fax: 320-257-0010

missie@johnhermanins.co

 

Hours

Monday - Thursday 

8:30 am to 4:30 pm

 

Friday

8 am to 4 pm*

 

*Memorial Weekend through Labor Day weekend we close at 3 pm on Friday.

Business
Insurance

You've put your time and money into your passion.  Make sure you are covered.

  • As an independent agency, we are able to find coverage for almost any business.

  • We offer competitive rates for all aspects of your business.

  • Make sure you have the coverage you need with General Liability, Worker's Compensation, Bonds, Garage Keeper's Liability, Director's and Officer's Liability, Inland Marine Coverage, Business Auto, Equipment Coverage and anything else you might need.