NuLine News

NuLine Insurance Services

NuLine Insurance Services is dedicated to finding you the right insurance to insure your growth. We provide quality auto, home, business, and ag insurance.

Recipe of the Month

Perfect Pumpkin Seeds

My kids love our tradition of making pumpkin seeds after we've done our carving! We have even tried different seasoning—using this cooking method.
Preheat oven to 350 degrees. Scrape out and remove seeds from your pumpkins. Wash and clean the seeds, making sure you remove any unwanted pumpkin rinds and deformed seeds. Wash in the colander once again to remove any unwanted items. Soak the clean seeds in a bowl full of water for 1/2 hour on the kitchen counter or overnight in the refrigerator. Drain the seeds, discarding the water. Fill a pot with water & a dash of salt. Bring the water to a boil. Place the seeds into the boiling water and boil gently for about 10 min. Turn off the heat and drain the seeds and place back into your empty bowl. Toss seeds with olive oil. Lay out seeds in a thin layer onto a cookie sheet. Sprinkle with seasoned salt. Place in oven and move and turn the seeds about every 10 min, making sure they do not burn. Seeds are done after about 40 min. You do not want dark spots on your seeds, you want them to be darker yellow. Season with additional salt if desired. Remove from oven and allow to cool. Place into a clean mason jar or food safe container. Enjoy!

Claim Corner

I've been personally locking up my farm tight every day. There have been a string of unfortunate robberies in the area, which makes me, and I'm sure other people, uneasy. Farmsteads are an easy target, especially those that do not necessarily have a lot of action or active farming. If you have any valuables, such as tools, toys or even your vehicles, it’s a good idea to pull the keys & make sure they are in a locked building. Another thing to consider is a home security system. The sound of that may seem expensive and elaborate, but it doesn't have to be. There are many security cameras, doorbell systems and motion sensors that are available and inexpensive. They are useful for many things, not just spying on your kids or hubby! Security doorbell cameras alert you whenever someone is near the vicinity or coming to your front door. Many farms do motion lights to scare off intruders from their buildings. Depending on your insurance carrier, some carriers offer home security discounts, so check with your agent! So what do you do in the unfortunate event something gets stolen? You should always have an inventory of your personal property. Sounds like a lot of work, I know, but I'm here to tell you it doesn't have to be.
NuLine’s mobile app gives you the capability of adding inventory photos and videos to the app. That’s way easier than trying to type a list of belongings. Once you have determined what has gone missing, contact your insurance agent and call the police. Your homeowners policy should cover your belongings. There are special circumstances where you many have to list specific items on your policy depending on their value or if you use them for a business. Once it is determined your property is covered, you can choose to file a claim under your farm or homeowners policy.


RUNAWAY……..DRYER??


By Amy Streifel
Have you ever seen a flying dryer. No, this is not the opening line of a joke. I have, in fact seen a dryer fly. Here's how it all started….
My dryer had taken a "kaput", as my grandma would say. So, I made the trek out of town to get a new one. I normally thoroughly enjoy shopping, but dryers are no fun. Never the less, I got a good deal on one and had the service men load it onto my pickup. Feeling good about my purchase and dreaming of all the laundry my kids could help with (NOT), I made my way home. Literally five miles from my turn something flashed out of the corner of my eye. And there it was ladies and gentleman….a flying dryer. Flew right out of my pickup box and landed itself in the ditch. After I realized what had happened, I gained my composure and checked out the damage. It was beyond repair, unfortunately. I could have cried. In fact, I'm pretty certain I did. But, all was not lost. I knew that my insurance may cover something like this. I checked my insurance Policy. Some may think this was a claim under my auto policy, but it was in fact, covered under my homeowners, as it was my personal property and had nothing to do with my auto. What does personal property actually mean? It is the stuff you own….furniture, electronics, clothing and yes, even your washer and dryer. I checked my deductible and it was well under the price of my dryer or the price of repair. It was enough of a loss to file a claim on my policy.
Moral of the story, know your insurance coverage and when in doubt, have your agent check it out. Also, make sure your appliances are tied down enough if you're hauling them. Now, anyone know anyone I can hire to do all the piled up laundry??

Business Spotlight


Have you seen any stunning, delicious cookies around and wondered where they came from? We have the answer! Kacie Reimche recently launched her cookie business Kacie’s Cookies and is selling her cookies in Marsai’s Bean and Boutique. Yes, now RUN and get some because they sell out FAST! Kacie has a deep love for baking that began with her Grandma Selle. "My three sisters and I would go to grandpa and grandma’s house often and she always had cookies, fresh buns, or some other yummy treat for us!" She taught all four of us how to bake. "Kacie and her sisters have continued their annual Christmas baking weekend since and now their spouses and children are all learning the tips and tricks. When Kacie was asked how this specific business was inspired, she said it all started by going to a decorating class with a friend just for fun. She joked with her sisters that she was going to be practicing for Christmas Baking weekend and one sister responded, "way to take advantage of off season training.." If that doesn’t tell you how serious this family is about their baking…but of course Kacie isn’t the fuel of this business alone. I heard Eric was helping her soften butter the other night as a tradeoff to her combining all day. She also shared, "My kids, Cayden and Maryn, love baking and decorating their own cookies, and of course are my best taste testers! From the beginning they were telling me to start a cookie business – I think they saw it coming before I did! I would say they are some smart kids myself….but I am selfishly indulging in a cookie as I type so that might not help. Kacie’s Cookies are available for purchase at Marsai’s Bean and Boutique in Harvey. Kacie is also taking custom orders! Call or text Kacie at 701-570-6385.

Recipe of the Month

Honey Roasted Beets &Carrots
Ingredients:
4 Beets (medium)
4 Carrots (large)
2 tbsp. honey
1/2 tsp sea salt
1 tbsp. olive oil
1 tbsp. butter
2 Tbsp. honey
1 Tbsp. fresh herbs (thyme, rosemary, dill, etc.)
Preheat oven to 450 degrees. Wash and peel vegetables. Chop into even 1/2 in pieces. Add vegetables to a sheet pan and toss with olive oil and salt. Spread the vegetables out on the pan and roast for 20-25 min. Meanwhile, in the microwave, melt the butter. Then whisk in the honey. Remove the beets and carrots from the oven and pour the honey butter mixture over them. Toss until well coated. Return to the oven for 5 more min. Serve tossed with herbs.
- My Kids and husband devoured these!

Don’t get hooked by phishers




By Amy Streifel
You ever get those random calls where someone calls and urgently tells you to give your credit card or ELSE?! They make it sound like this is really something important and something I should be doing pronto. I know this is a scam immediately, but many people don’t and that’s a scary situation. For instance, I've gotten a few emails from my (boss) telling me he needs to wire money to me and needs my account number. Seems unlikely, but I always ask Chad in case there's a big bonus coming my way… I would hate to miss out on that! As a business, we are on the watch every day for possible cyber attacks or breaches of information. If something seems fishy, it usually is a scam. Along with the pandemic, business interruption has been the deemed the biggest threat to businesses globally. Globally, business interruption ranked second and natural catastrophes followed as the biggest cause of loss. While the pandemic ranked fourth, cyber risks and natural disasters are tag teaming to up the fear factor for businesses in the upcoming year also. There is a huge demand for ransomware and the demand increased more than 500% during 2021 first half. Another way to protect your business is fraud coverage in your business insurance. So how can you protect yourself and your business?
1. Protect your bank accounts. If you haven't created spare bank and credit card accounts for your personal life and business, you should do so. If hackers get their hands on one account, they will easily be able to access the others if they are the same.
2. Safeguard your computer systems. Hackers are experts at cracking computer systems. Consider a sturdy firewall and backing up your files on a daily or weekly basis and store them offsite.
3. Purchase insurance. While there are many precautions you can take, no measure is foolproof. If a fraudulent attack occurs, having insurance is crucial. Ask your insurance agent if fraud is included on your business owners policy.
****************************
Do how do you spot phishing emails?
1. Emails with bad grammar and spelling mistakes.
2. Emails with unfamiliar greeting or salutation.
3. Inconsistencies in email addresses, links, and domain names.
4. Suspicious attachments.
5. Emails requesting login credentials, payment information, and/or sensitive data.
6. Too good to be true emails. Like if your boss offers you a paid vacation to the Caribbean for a week...wink, wink.

Claim Corner



Very recently a bad bug hit our local town and a few of us got it worse than others. As most people, our insured reached for her trusty humidifier. Running one of these babies usually helps with the sniffles. As she ran her humidifier she didn't notice the even bigger problem that was brewing. Our insured left the humidifier going for days and days and came home after work to find her home feeling like an indoor swimming pool. There was so much humidity in the air, it was creating a perfect breeding ground for mold spores to form. Upon some investigation, she found mold forming in the corners of the ceiling in the room the humidifier was running in. Humidifiers can actually become a household health hazard and can make you sick if they aren't maintained properly or if humidity levels stay too high. If you use humidifiers, be sure to monitor humidity levels and keep your humidifier clean. Mold is only covered by homeowners insurance when it’s caused by a covered peril that is "sudden or accidental" in nature. There are many exclusions for mold, such as if a plumbing leak is neglected or poor ventilation that leads to humidity build-up. If you should have mold damage or aren't sure if its covered under your home policy, check with your insurance agent to review your coverages. In addition, humidifiers should be run with purified water only. City water has minerals that are released in the air that cause a white buildup on furniture and plug up furnace filters. We had one client whose A/C quit working because the furnace was not getting any air. Only run these when you are sick and get a hygrometer!

Employee Spotlight


Here she comes…. Mrs. McKenzie Blumhagen!! Nuline’s newest team member! McKenzie comes to us originally from Langdon, ND. She married Ryan Blumhagen and has a beautiful 18 month old daughter, Isabelle. Ryan and McKenzie farm south of Anamoose, in addition to her Ryan being a Captain for the ND National Guard. McKenzie recently went through many life changes. She was an elementary teacher for Harvey, but decided to pursue other passions. She also wrapped up her year serving as Mrs. North Dakota American 2021. I wonder if she’d let me wear her crown in the office...We made sure to get our autographs! She also serves as the Children's Ministry Coordinator for her church. McKenzie is super excited about joining us at Nuline and her goal is to have a better work-life balance. So far her favorite thing about Nuline is the people! She has fully embraced the ever changing demands of our busy office and she's keeping everyone organized. She appreciates the flexibility of her job and the fun work environment. I mean who wouldn't! Also, fun fact about McKenzie...move over Nancy Kerrigan because McKenzie can skate circles around most, having ice skated since age 7 and even coached! Please join us in welcoming our new team member and stop in to say hi!

Recipe of the Month

French Toast in a Mug
"This is the perfect recipe for my new college student!"
Ingredients:
I piece of bread ( I used challah and it worked great)
1/4 cup milk
2 tablespoons syrup
1 teaspoon ground cinnamon
Pinch of salt
1 Tablespoon of chocolate chips-I recommend mini if you have them
Powered sugar (optional)
Cinnamon (optional)
Mix together egg, milk, syrup, cinnamon, and salt into a microwaveable mug. Cut off the crust of the bread and cube. Submerge the bread within the egg mixture of the mug. Stir in the chocolate chips. Sprinkle the optional cinnamon sugar on top. Microwave for a total of 2 minutes stopping every 30 seconds. Let cool for about 1-2 minutes. Sprinkle powdered sugar on top and enjoy!

Recipe of the Month


Grilled Corn with Cilantro-Lime Butter


Ingredients:
1/2 cup butter, softened
1/4 cup minced fresh cilantro
1 tablespoon lime juice
1 1/2 teaspoons grated lime zest
12 medium ears sweet corn, husked
Grated cotija cheese, optional
Directions:
In a small bowl, mix butter, cilantro, lime juice, and lime zest. Shape into a log; wrap in waxed paper. Refrigerate until firm., about 30 minutes. Wrap each ear of corn in a piece of heavy duty foil. Grill corn, covered, over medium heat until tender, turning occasionally, 15-20 minutes. Cut lime butter into 12 slices. Remove corn from the grill and carefully open the foil, allowing steam to escape. Serve the corn with butter, and if desired, a sprinkling of cheese.