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

Showing all posts tagged "Nuline 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.

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 chair...to 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!

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.

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…..my 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!

Business Spotlight



Look, a landmark! Oh wait, it’s just a farmer’s building remind us where to turn…I cannot be the only one who uses the cues "turn left at the huge yellow shop." My husband would roll his eyes and ask me if I learned my cardinal directions, but I’ve come this far using landmarks… Anyways, because I am so great at giving directions, Moravian Builders, LLC decided they should help me out by building some post frame buildings all over North Dakota! Mirek and his team have been building industrial and agriculture buildings for over 5 years now.
They can construct cold storage buildings, or a heated shop. When I asked Mirek how far he would travel for a project, he answered saying this job has surprised him with the opportunity to see every corner of our beautiful state! They love to keep it local, but some projects are just a little too far from home. This crew of 6-8 people is typically booked out by the season, so some projects are a year ahead in the calendar. If you want to learn more, you can find Moravian Builders, LLC on Facebook or you could call Mirek at 570-994-3675 for more information.

Recipe of the Month

Pineapple Shrimp Fried Rice
Ingredients:
2 Tablespoons olive oil
2 teaspoons sesame oil
1 pound shrimp
Salt and pepper
2 bell peppers diced
1/2 cup chopped green onion
2 cloves garlic minced
1 can pineapple chunks, or fresh!
2 cups leftover rice
3 Tablespoons soy sauce
2 Tablespoons pineapple juice
Instructions:
You will heat a large skillet over medium heat and add half of your olive oil and half of you sesame oil to the pan. Once the oil is hot, add your raw shrimp. Salt and pepper to taste and cook for one minute per side. Remove the shrimp into a bowl and set aside for now. Add the reimaging olive oil to the skillet and add the bell peppers. Cook and stir for 2 min until soft, then add in your sliced green onions and garlic. Next, add your leftover rice to the pan, stir gently, then spread the rice into a single layer. Cook the rice for 2-3 min. Then, mix in your pineapple chunks and sauce mixture and return the shrimp to the pan. Serve immediately!

Claim Corner


April is National Pet Month and it’s time to think about those fur babies...your pets of course! We know your pets are family. When they get sick or injured, it can be a stressful time. That’s where pet insurance comes in. It can help by covering some of the costs of your pet’s covered and approved vet bills. Pet insurance, however, does not cover everything. Our insured came in a while back which stiches along his jawline. I knew it had to be either a facelift or a dog bite. He had attempted to move his dog away from him while he slept and his puppy snapped at him unfortunately, ending with a trip to the emergency room. Our insured still lived at home with his parents but had his own renters policy. So who pays for the doctor bill? When it comes to pets and you are the owner, coverage does not apply to you if you are a household member. If our insured’s dog would of bit a guest, his homeowners liability insurance coverage would have taken effect. It is also worth noting, the pet damage does not have to happen in your home. It can be at another location and your insurer will generally pay the victims medical bills plus any legal expenses, up to the limits of your policy. Pet insurance can be purchased in addition so you are more fully covered if your furry companion needs medical attention.
Pet insurance may include the following:
· Accidents and illness Diagnostic testing/X rays
· Vet-prescribed medication Alternative therapies
· Surgeries/hospitalizations and emergency car

Why are Rates Climbing?

By Amy Streifel
There are many shortcuts in life. We use them everyday in different aspects, but mostly to gain something. You can gain time when you take a shortcut on a road. You can gain quantity by adding broth to make more soup. (Thanks mom). I look for shortcuts all the time. In the grocery store, I buy a different brand as a money shortcut. So naturally, I look for shortcuts on my insurance. Are there any? Sure, but is it really a shortcut in the long run? In my experience, it never pays to skimp on your insurance. I’d like to make a shoutout to my kids. Without them, I would never have any examples to share with our customers. Case in point, recently I saw the rate increase on my own auto insurance and thought I would drop some coverage as a way to save money. A few weeks later, my lovely daughter, in an attempt to save a kitten from getting run over, swerved and hit another vehicle. The joke was on me. I could not put in a claim because I dropped coverages as a shortcut to save money. But at least that kitten lived another day. As an independent agent, we work with a lot different carriers and are seeing the changes across the board with our different policies. We are seeing anywhere from 9-20% as a normal average increase. What is driving the rate increases? The cost to rebuild homes is up dramatically due to the rising cost of materials and labor. Carriers simply can’t survive paying these higher prices without charging more themselves. The cost of home repairs is not the only thing increasing. The cost to repair your car is up 20%! This is due to the rising cost of auto parts and labor to fix cars. In addition, vehicle parts now include more technology features, which are harder and more expensive to repair.
So, what can we do? The good news in all this is there definitely are things we can do to offset the increasing prices of insurance. Almost every insurance company has discounts. You can get discounts such as good students, defensive driving course discounts, paperless discounts, safe driving discounts and more. Another big way you can save money is to increase your deductible. I have seen people save hundreds of dollars just by increasing a home or auto deductible.
Here are some more ways to save:
Þ Maintain a good driving record. Those claims and tickets affect your premium and can even limit which companies will accept your insurance.
Þ Explore payments options-there are discounts for paying in full
Þ Improve your credit score-your score has an impact on your premium
Þ Bundle your policies-another way to get a discount
Þ Learn how to save with teen drivers-if they get a good grades, you get is discount
Þ Participate in low-mileage driving programs
Þ Compare auto insurance quotes. At Nuline we are always watching for the best rates, but if you are unsure, just ask! We have several carriers and are happy to check them for you!
Þ The types of vehicles you drive are more or less expensive depending on the type and what safety features it has. It’s good practice to check out the insurance rate before you buy.

Business Spotlight


Our February Business Spotlight is 701 Healthcare Solutions!
Have you found yourself looking for someone to assist you with your health insurance needs? We have found you a "solution!" Pictured above are April, McKenna and Tanner. McKenna (middle—Owner/Broker) found there to be a lack of a local resource for helping people with their health insurance needs. I mean, we all know how confusing the different plans are and how does one keep track of changes from year to year? It is so complex! This is FREE health insurance guidance! How can we go wrong here!? They pride themselves on offering excellent customer service and giving honest advice so you can be informed and understand your coverage. Having a local person to call when you have questions is priceless when you consider sitting on hold and talking to different representatives with the insurance companies. They work with several different Health Insurance carriers like Blue Cross, United, Sanford, Delta and Medica just to name a few. This team is here to explore the different plans for your specific needs, whether you are an individual, family or in need of a group plan. A lot of people do not understand Medicare and what they are signing up for, and these guys are here to help with that. They can also do an annual review of your prescriptions to compare the drug plans to make sure you are on the correct one. They can review family plans through the marketplace to see if you qualify for a rebate, which a lot of people aren’t aware of. Some of the other coverages offered are dental, vision, disability and long term care plans as well!
701 Healthcare Solutions is located at 24 1st St. NE, Minot ND 58703 in the 701 Realty building. McKenna and Tanner are also licensed Realtors!
You can contact them at 701-852-CARE(2273) or
They have a Website 701healthins.com and also a Facebook page.
Give them a call today, they are informed and ready to answer your questions!

Claim Corner

The Ring Was Where?

By: Amy Streifel
Valentine’s Day is soon approaching ladies! You know what that means…..go get your nails done. You'll want them looking great for possible engagement ring pictures. So fast forward through the beautiful wonderful once in a lifetime engagement and now you have the ring. This was an insured of ours. She had a big ole rock. He husband obviously wasn't an insurance agent. Joking! Anyway, it happened at a family dinner. She has a big family and they love to get together and have big meals. The preparations had begun and there was a feast like you can’t imagine. At dinner, our insured went to grab her engagement ring, which she always took off for cooking. It was missing and she couldn't remember if she had removed it or not. The search was on. There were many hours of looking and many tears. Her fiancé, who had forgotten to add it to his insurance policy yet, was staying clear. There was only one place they hadn't looked. She ran back to the table where the food sat cold and grabbed the turkey she had prepared. She went elbow deep into that bird pulling out the innards. Stuck together in a pile of stuffing, she felt it. When she pulled it out everyone was relieved, especially the fiancé, whose first call on Monday morning was to our insurance office. People add jewelry to their insurance policies everyday, especially pieces that are of high value. Adding your jewelry not only gives you piece of mind, it’s protection for all causes of loss. Its very easy to misplace or even have your valuables stolen. We had another insured last week that lost a single diamond out of her ring. Because she had it scheduled on her homeowners policy, she was protected. The best part, generally speaking, is you can choose a separate deductible, which can be zero with many companies for your jewelry claim. Also, by scheduling it, you are not subject to the perils of the policy, so whatever happens to the ring, it is covered! Our couple got lucky in their instance because they found it. They especially got lucky because our insured joked that after the turkey she would have to go looking in some not so fun places…...