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When shopping out your insurance it can be hassle with endless obstacles. There are a ton of terms used in the insurance industry and we are here to break it down for you. When purchasing insurance you will hear the terms “premium”, “limits”, and “deductibles” in regards to your policy. Auto Owner’s insurance has a great article, “What Are Insurance Premiums, Insurance Deductibles and Policy Limits?” and how it pertains to your policy.

What is that bolded dollar amount at the top? That magical number is known as your premium. This is the amount you pay to uphold your policy. Depending on the carrier, you can pay this monthly, quarterly, semiannually, or pay in full. The premium is based off the coverages provided by the insurance provider.

If a tragedy occurs, what are you paying out of pocket? That is your deductible. In other words, it is what you pay in case a claim is filed.

How much coverage do I have on my policy? It depends on the type of policy, what are we insuring, what is the value, etc. This is your maximum dollar amount insurance will pay towards a covered loss for that particular instance or item.

Don’t let insurance terminology intimidate you! As your trusted insurance agent, The Service Agency is here to help explain, provide, and assist you when shopping for your insurance needs. If you need a quote or have any questions on your current policy, contact us today!

Red Wing Cafe’s doors opened in September 2021 and the community fully embraced the new establishment. The downtown cafe is a place for many to enjoy laughter, memories, and great food. Miti Balazhi is the proud owner and the man behind the curtain. His personality adds character to the cafe and the food is the cherry on top. Miti is originally from Albania specifically F. Y. R. Macedonia. His background is portrayed through the food, environment, and hospitality.

The cafe has a set of traditions, one being that every holiday they throw a kid’s coloring contest. The next contest is for Valentines Day, February 14th. Miti loves to help support the community and the youth that visit. He is notorious for making his famous mickey mouse pancakes for the kids to enjoy. While interviewing Tiffany, Red Wing Cafe’s manager, she laughed and said, “Many times we have to go get Miti and remind him he is the main cook as he creates relationship with every customer that walks in.” This goes to show how important building relationships are to him and his business.

Red Wing Cafe is open six days a week, Tuesday through Saturday 7:00 am -3:00 pm, Sunday 8:00 am – 3:00 pm. Their popular dishes are the loaded biscuits and gravy, farmer’s skillet, and country fried steak. They do run weekly specials with their Valentines special coming up the week of February 14th. They will be having their steak special for two. To find out more about the cafe and their specials you can connect with them on their Facebook.