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E-bike sales are on the rise, outpacing many other recreational items as more people turn to electric bicycles for commuting and recreation. But with new technology comes new risks—and different insurance needs. How E-Bikes Are Different E-bikes include electric motors and batteries, making them more complex and valuable than traditional…

We encourage all homeowners to take proactive steps to protect their homes and families. As we transition to warmer weather, here are some homeowner tips to help keep your property in top shape: Roof and Gutter Maintenance: Clear leaves and debris from your gutters, and inspect your roof for any…

Recent studies reveal that 74% of homeowners affected by disasters may not have enough insurance to fully rebuild. With costs rising and coverage varying widely between insurers, underinsurance can leave families struggling to cover the gap. In fact, 36% of those surveyed were severely underinsured, potentially facing hundreds of thousands…

While auto insurance rates will continue to climb in 2025, the increases are expected to be smaller than the previous year’s 16.5%. The average cost of auto insurance will reach $2,101 annually, setting a new record. Despite a slight slowdown in rate hikes, drivers in states like New Jersey, Washington,…

A recent article by WCCO revealed the cost of car insurance has surged by 20% over the past year, outpacing the general inflation rate of 3%. Key factors contributing to this rise include increased prices for auto parts, labor, and medical expenses, all of which have been exacerbated by the…

With a solid background spanning five years in customer service, Chandler steps into the insurance realm with a unique blend of empathy, attentiveness, and a deep-seated passion for assisting individuals and families. His main approach is a profound commitment to listening and truly understanding each client’s specific circumstances and needs.…

Alloy Insurance Agency is proud to welcome Libby Rausch to our team as a licensed agent. Libby’s extensive knowledge and expertise in providing great coverage with a friendly hometown touch will be a valuable addition to our agency and clients. After spending almost a decade in the St. Paul area,…

We are thrilled to announce that Allan Karki, the proud owner of Alloy Insurance, has been appointed President of Professional Insurance Agents of Minnesota! Professional Insurance Agent of Minnesota, more commonly known as PIA, provides support and personal service to independent insurance agents and customers by promoting professionalism throughout the…

With below-freezing temperatures and snowy weather right around the corner, now is the time to ensure your home is ready to take on whatever winter throws our way! Our agents have gathered a handful of helpful tips to ensure your home is prepped to minimize the risks of damage from harsh winter…

We’re thrilled to share the news of Heinen Insurance’s merger with Alloy! Heinen, a fellow privately-owned company based in Minnesota, shares our commitment to client-focused service and will bring expanded offerings to our clients. Rest assured, former Heinen clients, your current policy coverages, active billing accounts, and the Richmond location…