The Insurance Specialists Team 763-244-3735

Rental Car Insurance

by IST
Before you rent a car, contact Insurance Specialists Team to find out how much collision and liability coverage you have on your vehicle. In most cases, the coverage and deductibles you have on your personal automobile insurance policy would apply to a rental car, providing it is used for pleasure and not business. The Angell Law Firm, LLC reminds us in there recent posts that, if you don’t have comprehensive and collision coverage on your own car, you will not be covered if your rental car is stolen or if it is damaged in an accident. If you need a […]


by IST
It’s no secret winters in the Midwest are frigid. Keep the chill outside by following these helpful tips to reduce your energy bills without sacrificing comfort. Fuel The most common home heating fuel is natural gas and according to the Department of Energy it’s used in about 57 percent of American homes. • Shop around for the best price on home heating fuel; some companies will sell at a lower rate if you pay upfront • Purchase heating fuel in the off season; often times, filling your tank in spring and summer costs less than fall and winter Make your […]

Tis the Season for Christmas Shoplifting…and for Stolen Gifts

by IST
              These holiday tips brought to you by The Insurance Specialists Team We are in the peak holiday shopping season. Whether your at Rosedale, Northtown mall, The MOA –  we’d like to suggest a few reminders about how to be safe and to prevent your gifts and other purchases from being stolen. Shopping during the holiday season can present many dangers, but following a few prevention measures can help keep your holiday season joyous.  Packages left in a car in plain site can be too much for criminals to resist. Please keep these safety […]

AAA Membership Special Limited Time Offer

by IST
AAA MEMBERSHIP Effective September 29, 2014 throughout 2015, we are pleased to announce a special limited time new member offer! • – Waive enrollment fee and One Free Associate with a New Primary Member when enrolling. • Free Associate must be added same time New Primary Member enrolled. • Only one “Free Associate” per new Household. • Free Basic (revised name “Classic”) Dues only for 1st Associate. PlusRV and PremierRV are at current rates. All other Associates can be added at the ½ priced rate • Not applicable to existing active members. • $5 Discount when adding Automatic Renewal – […]

Should You Raise Your Auto Insurance Deductibles?

by IST
When Is It A Good Time To Raise Deductibles On My Auto Insurance policy? Many of us are searching for methods to conserve cash. IST strives to offer the most effective combination of prices and insurance coverage to all our customers. We recommend that you evaluate your insurance program annually to ensure your insurance is correct and in line with your needs. We’ll generally contact you via email and/or phone to do a quick review or to schedule a good time for an insurance review. One of the things worth considering during a review are adjustments in deductibles. Raising deductibles […]

Emergency Dental MN – A No Insurance Emergency MN Dentist

by IST 952-334-8157 Do you need an emergency dental MN emergency dentist in Minneapolis, MN and suburbs now? Have an excruciating toothache you… Facebook Comments

KTTC-MN: ObamaCare Increasing Health Insurance Costs For Mayo Clinic Employees

by IST
KTTC-MN: ObamaCare Increasing Health Insurance Costs For Mayo Clinic Employees (January 31, 2014) Facebook Comments

IT Insurance

The Insurance Specialists Team specializes in IT insurance for technology businesses including self-employed individuals and IT consultants working from home. We understand the unique risks you face, that’s why we offer technology insurance that is customized to your specific needs. We cover a range of IT professionals including (but not limited to): IT consultants Application service providers Database administrators/designer Computer consultants Computer programmers Hardware installation experts Integration Specialists IT project managers Online security specialists Software developers System designers Website developers Professional liability insurance Professional liability insurance or errors and omissions insurance protects your business if there’s…

The Great 401(k) Flaw

by IST
401(k) plans have become widely used over the last 30 years. Unfortunately, the plan has many flaws. The biggest of which: is that when people reach the age they MUST begin withdrawing money from their plan. Age 59½. The 10 percent early withdrawal penalty on IRA withdrawals ends at age 59½. However, you are not required to take distributions until after you reach age 70½… AKA – the governments payday. How many of us were told to save tax deferred and then take out when you are retired and in a lower tax bracket? How many people can risk retiring […]

Good Moods or Bad Moods… They’re Contagious

by IST
People try to avoid picking up germs from someone who is coughing, but when they encounter a person who is in a bad mood, they can just as easily pick up their cranky vibes. Moods are contagious. It’s easy to catch a good mood. When you’re at work and co-workers have good news about something or someone, they want to share it with you. Excitedly, they announce the good news and everyone is in a better mood. The infectious quality of mood and emotion has been widely studied as a form of contagion. Without consciously trying, people are very good […]

Referral Corner

by IST
We want to thank you for your referrals over the years. We always ask our clients, “If they can just refer us one client per year, it would help us immensely.” We are grateful to everyone who’s referred someone our way, and we always love to have new people become part of our inner circle of friends and family. Simply send them our contact info. call 763.244.3735 , or email or have them stop by one of the agency locations and tell them to tell us you sent them. We will give you a thank you and a Target […]

Grilling Safety

by IST
Summers mean backyard grilling – safely!   Just like hamburgers and hot dogs, a sizzling grill is a symbol of summer and grilling in MN isn’t just about great food. Backyard barbecues often create treasured memories with friends and family.   Keep in mind, however, that when you grill, you’re literally playing with fire. Thousands of residents each year learn this the hard way, suffering damage to their homes or even serious injuries in grilling accidents.   There’s good news, though: You can prevent grilling accidents by taking some simple precautions. The tips below can help ensure you cook only your […]

Why Families Need Life Insurance

by IST
Ben Van Houten the father of sextuplets died Wednesday night from a sudden heart attack, confirmed the Dykstra Life Story Funeral Homes in Holland, MI. Van Houten lived in the Holland area in western Michigan. In 2004, his wife, Amy, gave birth to six children over three days at a Grand Rapids hospital. They’re now 10 years old. The kids were joined by a sister, now 7. At this time, it’s necessary to ask, was the family properly covered with life insurance? Their grief must be astounding. But that anguish cannot be compounded with sudden poverty. Life insurance is critical […]

Understanding Auto Insurance

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Car Insurance Quote MN l Get Free Car insurance Quotes in Minnesota

by IST
Car Insurance Quote MN Minnesota is the Land of over 10,000 Lakes. Suitable , since The Insurance Specialists Team of MN provides 10,000 pearls of knowledge and understanding (plus or minus a couple thousand) here about Minnesota car insurance. No matter where you live in Minnesota — Minneapolis to Moorehead to Mankato — you can score Insurance Specialists Team’s auto coverage and discover all the benefits and savings from it. Begin your free Minnesota car insurance quote, take advantage of our affordable policies, super savings options, and modern online tools. Plus, of course, the most informative insurance site on this, […]

Insurance Specialists Team Increases Odds of Saving on Home Insurance

by IST
PRLog – Global Press Release Distribution Insurance Specialists Team Increases Odds of Saving on Home Insurance Source: NorCal Press Dated: Mar. 09, 2014 Quickly becoming the leading home insurance provider for Minnesotans.  The Insurance Specialists Team “IST” has revised their site and added more carriers for faster and more comparisons.   MINNEAPOLIS — The Insurance Specialists Team “IST” represents the top A rated insurance companies.  Some of these companies are new to MN and selected IST top roll out their products. IST has experienced insurance specialists who can assist in making sure all coverage is correct and all discounts available […]

Is Your Home Insured Correctly?

by IST
  Most have seen photos or videos of the devastating tornadoes. Property is destroyed. Things are tossed for miles. If you’ve experienced severe storms and tornadoes you know how scary and the heartache of seeing everything you own gone within minutes. It’s no fun. Having a home doesn’t just require a huge financial investment. For most people, it also requires upkeep, hard work, and pride of ownership. So understanding how to properly insure your home is really important. Doing this will help get back on your feet if a tornado, storm, fire, or another such damages or destroys it. The […]

Out of luck after March 31

by IST
With all the talk about folks getting enrolled in the new Obamacare health plans, almost no one knows the critical nature of March 31. After that date, if you have not selected a health plan yet, you are out of luck until Jan. 1, 2015 — that is a long time to go without health insurance.   From April 1 until mid-October 2014, individuals cannot buy a health insurance policy (except for those with a “qualifying event” such as marriage, divorce, birth or adoption of a child, or loss of a job). And the policies you buy in October will […]

Avoid IRS Insurance Tax Penalty Use Health Insurance Specialsts

by IST
Next year, when you file your income taxes, you have to prove to the IRS that you have been insured all throughout 2014. Are you ready? If you aren’t, you face tax penalties. No one wants to owe money to the IRS.   If you haven’t done it yet, you should enroll in a health insurance plan right away, because after March 31, you can’t get insurance until January 1, 2015.     Everyone is learning it’s complicated to find an affordable health plan to fit their needs. You can get help, however, at no cost to you by contacting […]

Get Help To Find The Right Health Plan

by IST
    MNsure wants you to believe that buying health insurance is like booking a trip at Expedia. But if you’re like tens of thousands of others who’ve tried to pick the right health insurance, you know it’s much more complicated than MNsure says it is.   You have a right to use an adviser to guide you to the right decision. These advisers cost you nothing, but may save you hundreds of dollars. They may even save your life. They are called insurance agents.   Most people don’t realize that the premium you pay for insurance is the same, […]

Antique and Classic Car Insurance

by IST
  IST and Classic Car Insurance     Insurance is a required for anyone wishing to travel across America. Sometimes it can seem expensive, unnecessary, and a pain in the rear. The first time someone backs into your car in a parking lot or you have your car stolen – right after you spent years and thousands of dollars restoring may be the first time you realize the importance of classic car insurance. It’s not just to recoup damages to your car but for your peace of mind. Go to Maddington wreckers to get your car repaired.It is also a […]

*****Big Lake Business Expo***** March 2nd, 2014 11 a.m. – 2 p.m.

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Big Lake Business Expo *****Big Lake Business Expo***** March 2nd, 2014 11 a.m. – 2 p.m.. Big Lake High School FREE admission, FREE food samples, FREE entertainment…Stop by our booth! IST Facebook Comments

Health Insurance Deadlines for Coverage

by IST
Deadlines Upcoming deadlines for coverage: – Coverage beginning 4/1: Select a plan and pay the premium in full by 3/15. – Coverage beginning 5/1: Select a plan and pay the premium in full by 3/31. – Avoid the penalty for not having health insurance: Select a plan and pay the premium in full by 3/31. Open enrollment for individuals and families runs through 3/31/14.   Welcome to Insurance Specialists Team’s Health Insurance     Welcome. The Insurance Specialists Team is pleased to offer the health insurance specialists you need and expect when looking for individual, family and group health care […]

Flood Insurance and Back Up of Sewer and Drain Coverage

by IST
Flood insurance? Why are we talking about flood insurance when it looks like we’re going to receive snow again today? Well, for good reasons.  The biggest reason behind thinking about things like flood insurance and back up of sewer and drains coverage now, when the snow is still here, and not in the spring/summer time when floods might actually happen, is because, just like everything else here at The Insurance Specialists Team, we want our clients to be prepared before something happens, and not having to ask the question, “how could this have happened” instead. We generally advice our agents […]

Are Your Buildings at Risk of Collapse?

by IST
Due to the amount of snowfall so far this year and the amount of ice that is building up on roofs throughout Minnesota, there are many buildings that have a potential for collapse. Collapsed roof of out building   Taking the time and effort to remove the snow and ice from the roofs of your buildings will benefit you. Besides the damage to your property covered by your insurance policy, you may have substantial uninsured loss. This includes:  downtime to your operation;  the additional cost of debris removal; the loss of items that cannot be replaced; or the value of […]

Insurance Specialists Team has been selected for the 2013 Best of Minneapolis Awards for Commercial Insurance.

by IST
  Insurance Specialists Team Receives 2013 Best of Minneapolis Award Minneapolis Award Program Honors the Achievement MINNEAPOLIS October 21, 2013 — Insurance Specialists Team has been selected for the 2013 Best of Minneapolis Award in the Commercial Insurance category by the Minneapolis Award Program. Each year, the Minneapolis Award Program identifies companies that we believe have achieved exceptional marketing success in their local community and business category. These are local companies that enhance the positive image of small business through service to their customers and our community. These exceptional companies help make the Minneapolis area a great place to live, […]

MN Business Ethics Award — Western National Insurance Group

by IST
Minnesota business leaders honored three companies with the 2012 Minnesota Business Ethics Award (MBEA) on May 16. Western National Insurance Group is the Me… Facebook Comments

Plumber Insurance – Plumbers insurance MN

by IST
Plumber insurance If you a plumber doing business in MN and are looking for the best plumbers insurance coverage, pricing, and an easy way to get bonds – you… Facebook Comments

Insurance Minneapolis MN

by IST… You can get insurance quotes from the new Minneapolis location 333 Washington Ave. Ste. 300 Minneapolis, MN 55401 61… Facebook Comments
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