We provide individuals and families with the most comprehensive insurance coverage available at competitive prices. As an independent agency, we’ll objectively present the best choices and then tailor insurance packages to fit your needs.
A homeowners policy is required by mortgage lenders to protect your home and property in the event of fire, theft, weather damage or liability claims. Optional coverage can be added to a homeowners policy depending on your needs. These can include insurance for additional dwellings on the property, or flood or earthquake insurance. Special policies are also available to insure condominiums, vacation homes and rental properties.
Auto insurance is required by law, and provides property, liability and medical coverage in the event of an accident or theft. If you lease a car, you still need to purchase an auto policy and there may be additional insurance required by the leasing company. There are great variations in the cost of auto insurance, and that’s where Dyste Williams can help save you money. As an independent agency, we’ll find you the best deals on car insurance by comparing multiple carriers. For significant savings, we often package auto insurance with homeowners. We also offer programs that improve driver safety and give a policy discount (see sidebar).
Umbrella insurance can protect you from major liability claims that are greater than those covered by your homeowners or auto policies. An umbrella policy provides additional coverage above the limits of your existing insurance.
A health plan helps you manage the high costs of health care. It helps you pay for doctor visits, hospital stays, prescription drugs and preventive care. Choosing the right health plan is an important decision. So you’ll want a broker that’s dependable, accessible and will give you plenty of plan options to fit your needs and budget.
Life and Disability Insurance
Life and Disability insurance can help your family to replace lost income in the event you are disabled or killed. Dyste Williams Financial Group represents over 100 life insurance companies and 10 disability insurance companies that can give you the coverage and price options you need. Our dedicated and experienced staff can help you to navigate and meet your goals.
Motorcycles and Recreational Vehicles
Most states require a minimum amount of liability coverage on a motorcycle, with other types of coverage optional. Dyste Williams will find you an affordable policy that fits your needs. The type of bike, your age and driving record may affect the policy.. Multi-bike discounts are available. Other recreational vehicles that should be insured include ATVs, RVs and Motorhomes, snowmobiles, watercraft and personal watercraft.
Items of high value should be listed separately to be properly insured for loss or damage. Valuable articles might include computers, electronics, fine art, furs, golf equipment, jewelry, musical instruments, photographic equipment, silver, stamps and coins or family heirlooms. Please mention any valuable articles to us and we’ll make sure they are adequately covered.
If you run a business from your residence, you may need insurance above what is covered by a typical homeowners policy. We’ll find you an affordable home business policy that provides valuable protection, and we can also customize it for your unique business needs.
If you employ a domestic worker, some states, including Minnesota, require you to buy insurance that covers medical bills, lost wages, and rehabilitation if the employee is injured on the job. Minnesota state law requires insurance if the employee earns more than $1000 in a 3-month period. Even if you are not required to buy insurance, it is often wise to do so because it protects you from a lawsuit that might not be covered by your homeowners insurance. Part-time employees who should be covered by such a policy include nannies, housekeepers, and home health aides.
A wedding is often a significant expense, but it can be protected for a modest sum. A wedding policy provides coverage for situations like severe weather, a lost ring or gown, ruined photos, damaged gifts, an unexpected military call to duty or sudden illness. An additional option can insure the wedding venue if required.
Rick Kupchella | Founder & CEO of BringMeTheNews
Dan Ribnick has been my family’s trusted insurance advisor for three decades. He’s been a proactive insurance agent from Day-1. He pays attention to what’s going on in our lives and says “Have you thought about this?” In 30 years, a lot of ‘life’ happens . . . floods, storms, car accidents, extended travel. He’s extremely knowledgeable and responsive. He’s become a first-call-for-help.
We’ve referred many friends to Dan over the years. And we’d recommend him and Dyste Williams Agency to anyone looking for an advisor to ensure they have the right coverage for their business, home, auto, travel, umbrella policies. This team is bankable.
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DRIVER SAFETY PROGRAMS
This free, 4-hour refresher class is available to our clients and their family members. The seminar provides useful information and safety tips. Drivers over age 55 get a 10 percent discount on their policies. Call us for information about upcoming seminar dates.