Other Types of Personal Insurance

Watercraft Insurance


Things to Consider


When the days are clear and weather is warm, we know that the first thing on your mind is going out on the water. Your boat allows you to get away from all the stress and pressure of the mainland and kick back by yourself or with good friends. Whether you use your boat to fish, cruise, or race, we know it must be pretty difficult to picture your life without it. At Soderholm Insurance Services, we make sure that you enjoy your time on the water without having to worry about what could go wrong. Our agency specializes in writing insurance policies for boaters, so you can be certain we will provide you with the best protection available. We understand the differences between power boaters, sailors, and commercial fishermen, and we can tailor an insurance policy to your unique needs.


Our watercraft insurance plans can provide you with coverage against many different types of loss. We offer:

  • Medical Payments Coverage
    We offer medical coverage that can cover your eligible medical expenses if you get hurt when on the water.
  • Physical Damage Coverage
    This optional coverage is typically designed to take care of your boat, motor, and trailer. Our agents will help you determine the right amount of physical damage coverage for each boat on your policy. You will also need to choose a deductible (the amount you would pay on a claim) before your policy kicks in.
  • Liability Coverage
    If you’re involved in an accident, there’s a good chance another person or another watercraft is involved. And if you’re at fault, you’ll need liability coverage. You can choose a lot of liability coverage or a little – it’s up to you. We’ll show you what coverage and limits may be available, and how to get the maximum personalized protection you need.


Whether you’re a lifelong boater or just getting started in Alexandria, it’s always a good idea to take a close look at your new or existing marine policy. We can help. Simply fill out our quick and simple online form to learn how Soderholm Insurance Services can keep you safe and secure with a marine insurance policy.


You’ve worked hard to get where you are, and you have a lot to look out for. You deserve the right policy at the right price. Why not get started today and save with a free boat insurance quote? It’s easy with Soderholm Insurance Services.


Happy boating!

Flood Insurance


Flood insurance provides protection for destruction and financial devastation caused by floods. Although it may not seem like much even a few inches of water can cause serious damage; resulting in thousands of dollars in repair and restoration costs. Homeowners insurance does not cover floods. Purchasing a flood insurance policy through Soderholm Insurance Services can protect you.


Although it may not seem as necessary as homeowners insurance, flood insurance is important if you want to keep your home safe and your possessions secure. Flood coverage offers protection against losses that result from heavy and lengthy rain falls, storm surges, blocked storm drainage systems, snow melts, etc.


Different types of policies are available based on your property’s location and flood history:

  • Standard Flood Insurance Policies

    If you live in a community that participates in the National Flood Insurance Program (NFIP), your building and its contents can be covered by a standard flood insurance policy. The NFIP was established by the Federal Government to help communities who “voluntarily participate in the NFIP by adopting and enforcing floodplain management ordinances to reduce future flood damage.” To be considered a flood, the waters must cover at least two acres or affect at least two properties. You must apply for building coverage and contents coverage separately if you choose to invest in a standard flood insurance policy.

  • Preferred Risk Flood Insurance Policies

    If your home or business is in a low or moderate risk zone, your building may qualify for a low-cost preferred risk policy. While you aren’t required to purchase flood insurance in low-to-moderate risk areas, a preferred risk policy will protect your home and its contents if you are affected by a small flood or a larger flood that has extended into your low-risk area. In truth, many flood insurance claims occur in low-to-moderate risk areas.


Don’t wait until it’s too late. Contacting Soderholm Insurance Services today will get you on the path to flood protection with an affordable and comprehensive insurance policy.


Most people understand the importance of putting money into a 401K for their retirement, but what about annuities? Annuities can be financial staples in post-retirement life and can prevent you from outliving your income. Soderholm Insurance Services is here to make it easy for you to get the right products to have a happy and stress free retirement.

What is an annuity?
An annuity is an insurance service provided to you to ensure that you will be financially stable throughout your retirement. Basically, an annuity is an insurance contract that you pay into in order to receive a supplement to your regular earnings after you retire.

Types of Annuities
There are two basic types of annuities:

A deferred annuity basically lets your money accumulate and then ultimately provides you with a payout. Many people use deferred annuities as a long-term retirement plan. With a deferred annuity, you can make payments to it for a set period of time and then make withdrawals starting on the date defined by your policy. A deferred annuity can be at a fixed or variable rate.
An immediate annuity lets you receive payments not long after you make your first “investment” into it. This is a good option for those who are of or close to retirement age and have found themselves financially in need of more living expenses. Many people approach retirement and realize that their 401Ks and social security will not be enough to fund their lifestyles. Just because you are retired doesn’t mean you should have to live in poverty! Immediate annuities can also be at a fixed or variable rate.
Purchasing annuities can get confusing. Please contact Soderholm Insurance Services today for any questions and concerns you have and for more information on annuities! We can also get you a free quote on annuity plans by simply filling out our online form!

Mobile Home Insurance

Mobile homes are a cost effective way for many people to become homeowners. Often times, mobile homes are far less expensive than a regular home but offer benefits similar to owning a single family home. Just because your mobile home costs less than a typical home does not mean it is not your most valuable asset. Protecting your mobile home with an insurance policy will give you peace of mind that your losses will be covered if a disaster strikes.

If you are purchasing a mobile home, you may not be aware that mobile homes require a different type of homeowners insurance coverage. Mobile homes need a specialized coverage type because they are transportable and constructed differently than ordinary homes.

We have experienced professionals who will find you an affordable insurance policy on your next mobile home. Leave the insurance to us and protect your home and the assets under its roof. We will provide you with a quick and accurate quote on mobile home insurance. Contact us right away.

Farm Insurance

Let Soderholm Insurance Services shop the top Farmowners Insurance carriers in the country to find you coverage that works for you and your farming needs. Fill out the quick and simple online form to get a free insurance quote. We are EXPERTS in insurance for the Agricultural Community!!

When shopping for farmowners insurance, wouldn’t it make sense to use an insurance agency that knows something about farming and agriculture? We’re an independent insurance agency that specializes in the agricultural industry with a staff that is knowledgeable and sensitive to the needs of farmers across the country.

We represent companies that have the strongest long-term commitment to the farming industry and our expertise and trust within the agricultural community brings affordable pricing for our clients.

Rental Property Insurance

If you have homeowners insurance, you may be inclined to think your home is completely covered in the case of a fire. If you’re living in your own home – it will.

But, if you’re renting out a house, think again.

Dwelling fire insurance is specifically designed to protect landlords from losing rental income lost as a result of a fire. In most cases, this coverage will provide you with a year’s worth of rental income, allowing you the time and resources to rebuild and rent.

Contact Soderholm Insurance Services today to find out more about dwelling fire insurance.