Q I live in Avon and I have insurance with your company. But I am buying a cabin outside your sales territory. Will I have to find a company close to my cabin for insurance?
A No, as long as you maintain your residence in our sales territory, we may be able to write your cabin as well.

Q I bought a home in the country like I always wanted. But now my insurance company raised my rates. They say it's because I'm too far from a fire department and I don't have city water. Is there help for this?
A Yes, our company has reasonable rates that take into consideration all distances to the fire department as one rate.

Q I live in St. Paul and I've bought a summer place in Little Falls. I see it's in your territory, but can you insure my summer place, since I don't live in your territory?
A Even though your main residence is not in our sales territory, we may be able to write your summer place.

Q I have fire and wind insurance with your company on a homeowner's package. But now a different agent tells me I can save a bundle by buying it and my auto insurance from his big company. What do you think?
A We write a homeowner's package policy that also can provide credits for having your home and auto together with one company.

Q I am buying an older home and I want to completely renovate it before I move in. I would redo the plumbing and electrical as we will have a lot of new appliances and I will be knocking down the old plaster anyway. The house has new steel siding and windows but the roofing is pretty bad. The roof could wait, but would I save anything on insurance by doing it now?
A Some associate companies give a credit for complete renovations that return a home to “near-new” condition. But you'd have to talk to an agent to find out what you'd have to do to qualify for a credit if one is available.

Q I hear there is a lot of difference between the farm rates of different mutual fire insurance companies. How does your company compare with others in your area?
A According to the MAFMIC 2005 ratings, Albany Mutual was lower than its class or district average.

Q When you're talking insurance it's all Greek to me. Are there any agents who will explain what I need and tell me how much to buy?
A Most agents will give you advice on what they feel you need, and will explain insurance language in “English”. But the final decision on coverage is yours.

Q I'm retiring and I'm trying to decide whether to build a new home or buy an older home of the same value. Is there an insurance cost advantage in either one?
A There may be an advantage in a new home, as almost all companies offer new home credits. But these decline on a yearly basis, so the rates may eventually be the same if other variables are equal.
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