Minnesota’s deep freeze is here, and simple maintenance mistakes can lead to denied insurance claims. From keeping your home above 55°F to preventing ice dams and knowing your shut-off valve, a few winter habits can protect both your home and your coverage.

Your home is more than a building, it’s where life happens. Home insurance protects your property and belongings from unexpected events like fire, theft, or severe weather, and provides liability coverage if someone is injured on your property. Learn the essentials of dwelling coverage, personal property protection, and tips for choosing the right policy so you can safeguard what matters most.

Choosing the right crop insurance is essential to protect your farm from weather, yield variability, and market risks. From Revenue Protection to supplemental options like SCO and ECO, understanding coverage levels and your farm’s risk profile can make all the difference. Citizens Alliance Agency is here to help you navigate federal crop insurance and find the best fit for your operation. Contact Mike Bristle today!

Winter roads can be dangerous, but with the right precautions, you can stay safe and confident behind the wheel. From checking your tires and packing an emergency kit to slowing down and watching for black ice, these essential tips will help you navigate icy conditions and protect your family this season. Stay prepared, read our full guide for smart winter driving strategies.

The holidays bring joy, but also risks you might not expect. From fire hazards caused by festive lights to slippery sidewalks, package theft, and even identity fraud during online shopping, the season can be full of surprises. Discover five common holiday hazards and how the right insurance coverage can keep your celebrations safe and stress-free.

Winter is coming, are you ready? Before the snow falls, take steps to protect your home from cold-weather damage. From draining sprinkler systems and sealing windows to cleaning gutters and servicing your HVAC, these simple tasks can save you from costly repairs. If you’re heading south, don’t forget extra precautions like maintaining heat and installing monitoring equipment. Learn more in our winterizing guide!

Thinking of renting a moving truck for your next move? Don’t assume your personal auto insurance has you covered. Most policies exclude larger rental trucks due to weight and commercial classification. Learn when coverage might apply, what your options are, and how to protect yourself from unexpected costs.

Citizens Alliance Agency is excited to celebrate the Grand Opening of our new Montevideo location! Join us November 4-7 for an open house featuring giveaways, co-branded gear, and a charitable donation in each winner’s name. Stop by to meet our team, enjoy a community appreciation meal, and explore our new space. We’re proud to serve Montevideo with personalized insurance solutions and hometown care.

Thinking about frying a turkey this Thanksgiving? Before you fire up the oil, check out these essential safety tips from Citizens Alliance Agency and the Clara City Fire Department. From fryer setup to insurance coverage, we’ve got you covered—so you can enjoy a crispy, golden feast without the risk. Watch our video and read on to learn how to fry smart, stay safe, and protect what matters most.

Medicare is older than the moon landing, and that’s just one surprising fact! From its historic first recipients to covering over 66 million Americans today, Medicare has a fascinating story. Learn how it compares to space history, what it doesn’t cover, and why scams are so common. As we enter Medicare Season, Citizens Alliance Agency is here to help you navigate your options with confidence.

Balancing work and family is challenging, but protecting your loved ones doesn’t have to be. In honor of National Work & Family Month, we’re sharing tips on life insurance, retirement planning, and budgeting, three essentials for building financial security and peace of mind. Start planning today to protect what matters most.

Ever wonder how your insurance premium is set? It’s not random. Insurers use a mix of personal risk factors, statistical models, and market conditions to calculate your rate. From your age and location to your driving record and coverage choices, every detail plays a role. Learn how risk assessment, actuarial science, and even your credit score influence what you pay, and how you might lower it.

As the leaves fall, it’s time to prepare your home, and your insurance, for the season ahead. From roof inspections to fire safety checks, fall maintenance can help prevent costly claims. Learn how seasonal changes affect your coverage and why now is the perfect time to review your policy. Citizens Alliance Agency is here to help you fall into financial security with confidence and care.

Harvest season brings long hours and big risks. From equipment checks to insurance updates, staying safe and covered is essential. Daniel Martin from Citizens Alliance Agency shares key tips to protect your farm, your team, and your peace of mind during this busy time. Don’t let safety take a back seat, read on for practical advice to make this harvest season a successful and secure one.

Working parents juggle countless responsibilities, making insurance a vital safety net. From life and health coverage to auto protection, the right policies offer peace of mind and financial security. In honor of National Working Parents Day, we explore how insurance supports busy families and share tips for choosing coverage that fits your lifestyle.

If crop damage is probable, timing and documentation are key. This guide walks you through the Multi-Peril Crop Insurance claims process, from reporting a Notice of Loss to working with an adjuster and finalizing your claim. Learn what steps to take, what records to keep, and how to protect your coverage when the unexpected affects your harvest.

Fall sports are back, and so are the risks of injury. From sprains to ER visits, accident insurance helps cover what health insurance may not, like out-of-pocket costs, lost wages, and recovery expenses. Whether you're a parent of a student-athlete or play in weekend leagues, Citizens Alliance Agency offers affordable, flexible coverage to keep you protected. Stay in the game. On and off the field.

Choosing an insurance agent over going direct can make all the difference. Agents offer personalized advice, access to multiple carriers, and long-term support—things online quote tools can’t match. From claims assistance to tailored coverage, an agent like Jesse at Citizens Alliance Agency helps protect what matters most. Discover why working with a local expert is the smarter way to insure your future.

National Finance Awareness Day was a timely reminder to reflect on your financial goals and the importance of planning ahead. At Citizens Alliance Agency, we highlighted how insurance acts as a safety net—protecting your future from life’s uncertainties. Whether it’s your home, health, or income, the right coverage helps keep your financial plan on track. It’s never too late to plan, protect, and feel confident about what’s next.

When a claim situation hits — storm, accident, damage — don’t freeze. React! You are the first responder to your own property. Shut off water, take photos, call your agent. Insurance helps, but your actions matter most. Know your deductible, document everything, and act fast. Don’t wait for permission — take control and protect what’s yours.