Auto, Home, and Business Insurance Solutions

Connell Insurance is a locally owned independent insurance agency located in Savage, Minnesota. Our representatives have been serving individuals and businesses in Minnesota and Wisconsin for over 27 years. We spend time getting to know your unique situation and needs to tailor insurance coverage that will provide the proper level of coverage for your budget and risk tolerance.

Because we are an independent agency we have relationships with some of the industry's leading insurance companies. Having relationships with multiple leading insurance companies allows us the ability to match you with the company that best fits your situation. Learn more about the benefits that an independent insurance agent provides. Don't just get insurance...get an advocate!

Please feel free to contact us with any of your auto or home insurance questions or visit us in person at our Savage office, we look forward to building a long term relationship by protecting what you value most.

Answers to 8 common storm related homeowner insurance questions.

Q. My home sustained damage to its exterior due to a windstorm. What should I do until the Claims Representative arrives?

A. Your Homeowner’s policy has a provision for making temporary repairs. You should take necessary steps to protect your property from further damage. You may have tarps installed on the roof, siding, or broken windows to protect the interior from water damage. A contractor may be hired to complete these repairs. These costs are covered.

Q. My tree fell on a neighbor’s home due to windstorm. Which policy pays for its removal: mine, or my neighbor's?storm_damage_tree_on_house

A. The neighbor's policy should cover the cost of the tree removal, up to the limit of their Homeowner's policies for debris removal. Your policy may also contribute for any debris that has fallen on your own property. In most cases, homeowners are not liable for trees that have fallen on someone else's property when a windstorm has caused it to fall. (There could be some liability on the part of a homeowner if the tree should have been removed prior to the storm, due to a disease.) The Claims Representative inspecting your property will determine this.

Q. A storm has caused a general power outage in the area, and has affected my electricity for an undetermined amount of time. Is the cost of a motel covered under the insured’s homeowner’s policy?

A. No. Your property must sustain direct physical damage causing the power outage. The property must be considered unfit for occupancy in order to recover costs for motel bills.

Q. Is there coverage for interior water damage to the home if it is the result of exterior damage caused by windstorm?

A. Yes. All homeowner forms will cover damage to the interior of a home, if the home has first sustained damage to the exterior caused by windstorm or hail.

Q. Is there coverage for a flooded basement if the water enters through the sewer or sump pump system? What if the sump pump system fails due to a power outage?

A. If your Homeowner's policies includes an endorsement to cover damage to the interior of a home, and contents, as the result of sewer back up, or sump pump failure, even if the failure is caused by a power outage. The endorsement usually provides a minimum of $5000 in coverage. This is a combined limit to cover damage to the home, the contents, and any additional living expenses. Additional coverage may be purchased, usually up to a maximum amount of $50,000.

Q. Is there coverage for water that enters the home through basement walls, window wells, or the basement floor?

A. No. Water that enters the home in this manner is considered surface water, or water below the surface of the ground, and is specifically excluded.

Q. My home sustained windstorm or hail damage to the siding, roofing, or both. What happens if the same color or style of the siding, or roofing material, is no longer available?

A. Claims Representatives first look at the availability of the existing materials. If the same siding, or roofing material is available, we pay to repair only the area that has been damaged. Insurance Companies use several resources to research siding, and roofing samples for reasonable matches. These sources are able to determine if a reasonable match is available, along with the manufacturer’s name and color description. If they determine a reasonable match is not available, we then allow replacement of the entire home. A partial payment is issued, and the balance of the replacement cost is paid if it is completed within the time allowed by either the policy or the date the insurance company has determined is a fair amount of time to complete the work.

Q. What is my deductible for windstorm and hail losses? Also, if my home and automobile are damaged in the same storm, will a deductible apply to both claims?

A. The Wind/Hail deductible is prominently displayed on your declaration page. Some insurance companies have a unique benefit when you insure both your home and auto with them, it is the Common Loss Deductible. This enhancement changes the deductible provisions of the policies. A policyholder that has both their home and auto insured with an insurance company that offers Common Loss Deductible, then the insured will only have the single highest deductible applied whenever an occurrence involves both policies.

Save on commercial auto insurance in the off season

Ever mowed a lawn in January? Or plowed a snowy driveway on a hot July day? If you own and operate a seasonal business, chances are you aren't working in the off-season, so the insurance you carry should be different than what you carry in-season.

Leading commercial auto insurers like Progressive offer seasonal insurance for businesses like landscapers, snowplow drivers, ice cream truck owners, and more. These coverages allow you to customize your commercial auto insurance based on when your business is running on all cylinders — and when it's not.

Use these tips to get the most out of your policy in the off-season:

  • If your vehicle will be parked during the off-season, you may think you should cancel that vehicle's insurance during that time. But if you’d like to protect your vehicle and still save a little money, just switch your insurance to a Comprehensive-only policy. This will give you basic protection against incidents like vandalism, theft, falling tree branches and hail.
    A Comprehensive-only policy also gives you the bonus of having continuous insurance coverage. If you drop your insurance completely, you may pay significantly more to get a new policy when in-season rolls around because most insurance companies want to see proof of continuous coverage.
  • If you plan to drive your work truck or other vehicles for personal use during the off-season, let your insurance carrier know. They can adjust your policy to reflect personal use, which can be less expensive while still providing coverage.

Claims handling  is the most important feature of any insurance policy. Connell Insurance Advisors only partners with insurance carriers that provide exceptional claims service

Contact Connell Insurance Advisors for a free quote on your commercial vehicles today.

Four steps to stay safe if your car breaks down

Cars don’t last forever. In fact, occasional mechanical problems are inevitable.

April is National Car Care Month, which is an ideal time for a check up. Take your car to a professional – or brush up on the basics of auto mechanics. Some things to check are the oil, brake fluid, windshield washer and coolant levels, tire pressure, belts and hoses. Also, look under the car to check for any leaks.

“If you are ever in an accident or your vehicle breaks down, remember your safety is your priority,” said Allan Robinson, assistant vice president of claims fro Encompass Insurance.

If your car does break down – or you have an accident – the Insurance Information Institute recommends the following precautions:

  1. Never get out of the vehicle to make a repair or examine the damage on a busy highway. Get the vehicle to a safe place before getting out. If you've been involved in an accident, motion the other driver to pull up to a safe spot ahead.
  2. If you can’t drive the vehicle, it may be safer to stay in the vehicle and wait for help or use a cell phone to summon help. Under most circumstances, standing outside the vehicle in the flow of traffic is a bad idea.
  3. Carry flares or triangles to use to mark your location once you get to the side of the road. Marking your vehicle’s location to give other drivers advance warning can be critical. Remember to put on your hazard lights!
  4. In the case of a blowout or a flat tire, move the vehicle to a safer place before attempting a repair – even if it means destroying the wheel getting there. The cost of a tire, rim or wheel is minor compared to endangering your safety.