NuLine News

NuLine Insurance Services

NuLine Insurance Services is dedicated to finding you the right insurance to insure your growth. We provide quality auto, home, business, and ag insurance.

Business Spotlight

"We are a group of people who came together to give Harvey a restaurant," said Melissa Faul when I asked her what she wanted the people to know about Hometown Tavern. This new restaurant has a dynamic model with a rotation of cooks in the back throughout the week, but each person involved had an intense urgency to make this happen! The nightly menus look something like this:
Mondays are Burger Nights with Melissa & Kennedy there to visit with!
Tuesdays, Thursdays, & Fridays – Just Good BBQ is preparing the cuisine.
Wednesdays features our well-known cook, the fabulous -Jess.
Saturdays is a fine dining experience with Scott Fronk .
Sundays are always a Fun Menu Surprise with Melissa & Kennedy.
They are open from 4-8 PM for dinner, but they also have breakfast Monday – Friday 7-10 AM with Amy Bollingberg!
This model is unique, and it is working because people are finding a balance, and they are not burning themselves out. They keep it fun & light as they bring honor to Old Harvey from the inside out! Be sure to stop in, check out their photos of Old Harvey while you enjoy the food & company.

Recipe of the Month

Loaded Cauliflower
Casserole with Chicken
24 oz Frozen Cauliflower Florets cooked according to package instructions—or you can use steamed fresh!
1 1/2 cups sour cream
1 teaspoon seasoned salt
1/2 teaspoon pepper
1 teaspoon onion powder
2 cups cheddar cheese shredded
1/2 lb bacon cooked and crumbled
1 green onions thinly sliced
1 lb chicken breast cooked and shredded/cubed small
Preheat the oven to 375 degrees and grease a 9x13 baking dish.
Place the cooked cauliflower in a strainer and gently press the cauliflower with a flat spoon in order to remove some excess liquid. In a large bowl combine the sour cream, salt, pepper, onion powder, 1 1/2 cheese, 1/2 of the cooked bacon and 1/2 of the green onion. Stir until well combined, then add the cauliflower and chicken, Gently stir to coat the chicken and cauliflower in the sour cream mixture. Transfer this mixture to the prepared baking dish and top with remaining cheese and bacon. Bake for 30 min. Remove from oven and top with remaining green onion. Serve and enjoy! This is so versatile, so you could add other veggies or proteins!

Where in the world is Carmen Sandiego? …. I mean Michelle!

Some of you may have heard that Michelle’s family moved to Minot, but the good news is she’s still here, doing her same job as she has been for the past 11 years! The only thing that’s moved is her office Minot that is. Michelle is still with NuLine and still servicing her clients as before! She is available by calling the Harvey office or by calling her direct at 701-852-4500. Her new office is located downtown Minot at 24 1st St NE. She also has our crop agent, Katie Fegley in the office there. If you are in the area, stop in and say hello!

Claim Corner

I had a hard time searching for a photo for this article as the they were way too scary. So I found a not so scary picture. You guessed it, this claim corner is about mice! The word alone makes me shutter. Living on a farm, they unfortunately came with the territory. One of my jobs on the farm was unloading the grain trucks. My dad would get it set up with the auger and I would unload. He always told me to open the grain bin, which was my least favorite part. I was so terrified there were mice and there always were. I would fling open the grain bin door and take off running. Mice are not only scary, they are destructive. They get into anything and everything. On a farm, no machinery or grain truck is safe. They are famous for gnawing through wires which can cause electrical fires. One place they love to nest in, is a lawn mower, and why? Because there is usually mounds of grass on the side of riding lawn mowers. At least mine there were. Knowing this, before I went to mow lawn, I would start banging on the door to scare off any rodents. Not sure if it helped, but I felt better. Damage to your home and other structures from rodents is usually not covered by a standard homeowners policy. So, if you have damages, you may be responsible which makes it imperative to prevent rodent damage. We have seen auto total loss claims due to mice, take caution on your autos that are parked as well. They need to be checked often.
Tips to keep mice out of your stuff:
Keep the doors to structures closed as much as possible. Caulk any openings to buildings.
Put birdseed, dogfood and any other food stored near lawn mower or autos in air-tight containers.
If you have wood piled up next to the garage, move it to another area.
Try bounce dyer sheets in a building.
Peppermint oil deters mice! They even make mint scented garage bags.

It’s National Insurance Awareness Month!

By Amy Streifel
Don’t get too excited people. We don’t get a fancy holiday or even a day off. National Insurance Month is merely just there for us to observe. Now, if our boss gave us the day off, it would be June 28th to be precise (hint, hint Chad). What does this day mean? It is really just a reminder. A reminder that anything can happen and to be prepared for an emergency. We are entering into the season with the most claim activity. Summer is the time of year where there are a lot more potential risks. We see claims such as, weather claims, fire by lightening, grilling accidents, fireworks damage, and the list goes on. The point is, you can never be too prepared for tragedy to strike. Fires. They are one of the most destructive risks. Some things to think about, does your family have a fire escape plan? What would you do if your family has a fire or a tornado warning. In the moment there is so much to think about and having a plan in place would be one less worry. Do you have your important documents and valuables in a safe? Also, having the correct coverages on your insurance policy will save you a big headache, and financial loss. It is vital to have your home and buildings covered correctly if you should lose them to a fire. Some things to ask yourself, does your family have a severe weather plan in place. Do your kids know where to go and what to do if a storm popped up quickly or if the house was on fire? Bad weather can strike at a moments notice and you may not have time to put a plan together. Wind, lightening and hail are very common this time of year. Your home and vehicles and even your businesses are also at risk, and again, having the correct coverages makes all the difference in these times of tragedy.
In the summer, we see a number of claims not due to nature, but due to unforeseen accidents by our customers. Anytime you are working with fire, whether it be grilling at a BBQ or lighting off fireworks it’s a risk. You never think something bad could happen until it does. Does your family know where emergency supplies are in case something does happen?
Summertime is a time for traveling, which also presents many risks in itself. Car accidents and boating accidents are at an all time high in the summer. Do you feel comfortable with the coverages on your vehicles and summer toys?
We are here to help you. We always want to make sure you have coverage for the what ifs. Talk to your agent and find out if you are prepared.

Business Spotlight

Have you heard? McKenzie Blumhagen is leading a BIO Girls in the Harvey community for the FIRST TIME. The American Academy of Pediatrics recently declared a national emergency in youth mental health, as rates of depression, anxiety, self-harm, and suicidal ideation have skyrocketed in the past few years. No one has fared worse than girls. 1 in 4 girls fall into a clinical mental health diagnosis,
6 in 10 adolescent girls battle low self-esteem, reporting they feel unhappy and unsatisfied with themselves most of the time. When self-esteem is low, girls give up the things they love, avoid failure, seek external validation, embody perfectionistic tendencies, and often find themselves depressed and anxious. These tendencies lead to a 75% chance of engaging in destructive behaviors such as substance abuse, eating disorders, promiscuity, poor academic performance and self-harm or suicide.
Proven to significantly increase self-esteem, BIO Girls, a 501c3 nonprofit, empowers girls to believe in their unique purpose while increasing their confidence and sense of belonging. Extensive research has shown that 7 out of 10 BIO Girls participants experienced an increase in self-esteem and 50% experienced a decrease in anxiety.
BIO Girls reaches over 2,700 girls annually across the Midwest.

Recipe of the Month

No Bake Lemon Blueberry Delight
· 3 cups graham cracker crumbs
· 3/4 cup butter, melted
· 2 - 8 oz. pkg. cream cheese, room temperature
· 1 cup granulated sugar
· 1/3 cup lemon juice
· 1 cup 2% milk
· 3.4 oz. box instant lemon pudding
· 21 oz. can blueberry pie filling
OR use homemade Blueberry pie filling
6 cups Blueberries, fresh or frozen, 2 tbsp Lemon juice, 1/3 cup Cornstarch, 1 cup Granulated sugar, 1 Pinch Salt
Add blueberries to a large pot. Add the sugar, cornstarch, lemon juice, and salt, then toss to combine.
Heat and stir over medium-high heat until the berries have softened and the cornstarch thickens and turns translucent. Around 10-15 minutes.
· 16 oz. tubs frozen whipped topping, thawed
1. Mix graham cracker crumbs with butter. Set aside 1/2 cup for optional topping. Press crumbs in bottom of a 13 x 9 dish, and let crust set up in the fridge while you work on the next layer.
2. If you are making Homemade Blueberry Pie Filling – Make that now so it can cool while you are prepping the lemon layer. If you are using a can, disregard and continue!
3. In a large bowl, beat mix cream cheese and sugar until light and fluffy. Add the lemon juice and milk, mix thoroughly. Add dry pudding last, beat until thoroughly mixed. Batter will be thick. Drop by dollops onto the crust and spread gently into an even layer.
4. Drop pie filling on top of lemon layer by spoonful's to reduce having to spread it. Gently spread into an even layer.
5. Top with frozen whipped topping layer and optional reserved graham cracker crumbs.
6. Allow dessert to set up in refrigerator for at least 2 hours. Keep refrigerated and enjoy!

Claim Corner

Why have Kias and Hyundais been blacklisted by some insurance companies?
Trending on social media isn't always a good thing these days. The issue came to the forefront in July 2022 when people stealing Kias using a flathead and a USB cable became a trend on social media. There has been a 1000% increase in Kia And Hyundai thefts between 2020 and 2023. The problem is that many of these models lack engine immobilizers. This means they do not require a key fob or key to be in the car in order for the engine to be started. Unfortunately, Hyundai and Kia lagged behind other automakers in making them standard equipment. The fallout of this trend has made its way to the insurance industry, with several large providers refusing to take new customers who own these vulnerable models. Due to the increased theft of these models, some companies have chosen to raise rates or not even write them at all. The best way to find out if you are affected is to ask your insurance company. In addition, potential buyers should check with their insurance company before buying a used Hyundai or Kia to make sure they will be able to insure their purchase when they drive off the lot.
There are some remedies to this problem. Check with your carmaker, as Kia and Hyundai have rolled out free anti-theft software updates for models at the highest risk, some just as simple as a software update. The software upgrades could gradually reduce the number of thefts as more drivers get them installed, which would mean it'd be less risky for insurers to cover Kias and Hyundais. Another way to protect your vehicle is a steering wheel lock which is one of the best forms of defense.
Some of the carriers we work with will not write certain models of these vehicles. We have been able to send in proof that the anti-theft software was installed by the dealer and they will allow the vehicle to remain on the policy. Check with one of our agents if you have questions!

Hat’s Off to Our NuLine Seniors!

NuLine would like to congratulate all area Seniors of 2024!
Ava Haldorson is an upcoming graduate from Harvey High School! She shared that her favorite memory from high school was when she was in biology class. They were dissecting rats and Ava has a fear of them (don’t we all?). The entire class period Ava apparently was crying and screaming to the point where her teacher had to cover the rats head with a paper towel and cut off the tail so that Ava could continue working and doing what she was supposed to. What a memory….In lighter news, Ava plans to attend North Dakota State University in the Fall and major in, get this, BIOLOGY! Ha! Ava wanted the underclassmen to hear this, "give it a try while you have a chance. But also know how to say no. Don’t spend your years trying to do things for others. What’s important to you, pursue it to the best of your ability and work hard." I guess she wanted us to wait for her speech at graduation to see what she wanted her parents to hear from her.. thanks for the cliff hanger Ava..
Trista Hamilton is an upcoming graduate from Rugby High School who remembers walking to dairy queen and getting ice-cream for a class. That is certainly a memory that I would remember too, YUM! After graduation Trista plans to attend Bismarck State College and pursue a degree in Early Childhood Education! She wanted the underclassmen to hear this advice, "Beware of Mr. Beacon on Senior Skip Day because he will give out a test 2 days later and give a pop quiz. Enjoy being home and seeing your friends everyday!" We asked the seniors what they wanted their parents to know as they are about to venture out from their wings, Trista said, "Thanks for letting me sleep in when needed." We hope you get well rested before you head off in the Fall, Trista!

You can drive just about anything on the road…..cant you?

By Amy Streifel
Recently I was driving down our local Main Street and I got caught behind a moped. There were two girls riding and beeping and waving and not looking very safe. They weren't paying attention and I laid on my horn. I probably would have done the same thing at their age, but now I had to be a responsible adult. One of the girls turned around and waved… daughter, I should have known. Number one, she doesn't own a moped. Number two, doesn't she need a license for that or at the very least, a helmet? Shortly after that, I see a scooter go by with more teenagers on it. What exactly are the rules of these types of vehicles? It is more and more common to see ATVS and scooters cruising the streets. They are becoming more common on college campuses as well. After some research, I learned, to use paved roads, the vehicle must be able to travel 30mph or faster, lights must always remain on and the driver must have a valid license or permit. No license is required to operate any vehicle that is not on a public roadway. So where do mopeds and scoots fall from an insurance stand point?
Scooters fall under the same umbrella as motorcycle insurance and most states require some form of insurance for scooters with an engine of 50cc or higher. Electric bikes or E-bikes are also a growing trend, especially in larger cities. E-bikes generally have limited to no coverage under a standard homeowners or renters insurance policy because they're categorized as a motorized vehicle. If you own and ride an e-bike, you'll need a policy designed for e-bikes to be covered, which may include an e-bike insurance policy or in some cases, a motorcycle policy. Talk to your agent to find out the right choice for you. Either way, if you are driving on the street, you must have valid liability insurance!