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

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Business Spotlight

Michael & Jordian Mack have been busy bettering a couple different communities with their efforts. These chiropractic doctors celebrated their Grand Opening of True North Fitness in Rugby, ND this past January. This is their 2nd facility as they also have a gym in Bottineau that opened in 2021! I got my hopes up they would come to us in Harvey, but Eric Sampson, the manager of both facilities, shattered that dream when he said someone from our area had called and asked that same question and he responded that it isn’t in the near future plans…my hope is that statement has a "yet" underneath the surface.
Right now True North is a 24/7 facility that offers one-on-one personal training. Eric Sampson is the manager and trainer. He has a Master’s degree in High Performance and is passionate about teaching people how to use equipment properly! Strength leads to better balance and coordination so knowing what exercises you can do and how to do them correctly is an important aspect to the entire team at True North. Both facilities offer a range of equipment from Treadmills, Bikes, Stair Steppers, Ellipticals, Weight Machines, Free-Weights (dumbbells), Kettlebells, Stretching Mats, Medicine Balls, Ropes, Swiss balls, and the Rugby area has the privilege of having a larger multipurpose area.
True North Fitness offers individual and family memberships! I absolutely love that, when my mom had 3 high school athletes, the family package was a perfect fit for our family and not every gym offers that! So if you are in the Bottineau or Rugby area, I would definitely be checking this place out!

Recipe of the Month

3 large russet potatoes peeled and cut into large chunks
2 large Yukon Gold potatoes peeled and chunked
7 tablespoons unsalted butter
1/2 c. heavy cream
1 medium onion chopped
1/2 head green cabbage chopped
6 slices crispy cooked bacon chopped
Kosher salt and fresh ground black pepper
Place potatoes in large saucepan with enough salted water to cover. Bring to a boil over medium high heat. Reduce the heat and simmer for 15-20 min or until fork tender. Drain well, make sure to remove excess water. Add 4 tbsp. butter and cream. Cover the pot and let the butter melt. Meanwhile, melt tbsp of butter in a large skillet over medium heat. Add the onion and cook tender. Add cabbage and cook until tender, approximately 7 min. Mash potatoes with a potato masher and gently stir in the cabbage mixture and half of the bacon. Season with salt and pepper to taste. Top with remaining chopped bacon. Transfer to a serving bowl. Cut the remaining tbsp of butter into pats.
Serve with your favorite Irish main dish!

Claim Corner

More and more people are realizing that you can rent out your home and make it into an Air B & B. If you have a home that you are not inhabiting for a period of time, why not make some cash! Air B and B’s are nice because they can be more comfortable and convenient for vacation goers. With everything, there is a risk. You are entrusting your home to strangers and trusting that everything will be as you left it. I have personally stayed in many and have watched as not everyone respects property the same. There are many ways to protect yourself and your belongings. Before you open your home to temporary guests, protect your property against damage and against personal liability claims. Most homeowner policies exclude short-term rentals. But, all is not lost. There are several specialty policies that are now being offered that help insure against the unique risks posed by short-term rentals. There are many things to consider, like what if a renter gets hurt on your property. One time in particular, a girl friend of mine almost got hurt dancing on the table in our Air B and B. Who would pay for the injuries? I mean, surely this question has arose before, right? If someone gets hurt while staying at your Airbnb, you may be liable for the injuries….depending on the how it happened. There is also a risk of people damaging or swiping your property. Note to self, hide my Buffalo hide drums if I ever rent out my home. Hopefully the topic is nothing you have to think about, but you will want to make sure you are covered appropriately in case…..even if you're personal items are priceless.
The bottom line, its vital that you do your research before jumping on the home-sharing bandwagon. If you are renting out your home on a consistent basis, your insurance company could drop you as a policyholder if it considers that to be a business activity. Talking to your insurance company about what is and isn't included in your policy can help you determine what's needed to fill in the gaps.

Throw mama from the train….or car

By Amy Streifel
Road trips with your mom can be fun. Key word there is CAN. A certain person in our office set out on a road trip with her mom just last week. It started out great! There was singing and duets and all sorts fun conversations. She could of done without the romantic advice from her mom though. Michelle has been known to break out her karaoke skills on road trips. Right in the middle of her rendition of Wind Beneath my Wings, they heard a terribly loud thump. Mind you it was 8pm and negative 20 degrees. They had no idea what the sound was. Michelle assumed she hit a small animal as she has so many times. But as their vehicle started to swerve, they realized a tire had blown. She safely pulled over on the side of the road. Being an insurance agent, this was her time to shine. She knew everything to do. Put on your hazards and call for road side assistance. Unlucky for them, they were in the middle of no where and after 20 calls, no one was available to come to their aid. Michelle got out to change the tire, as she has done dozens of times. Unfortunately, the nuts were on too tight and they needed more tools. Not to mention, her eyelashes were froze to her face within 2 minutes. A little struck of good luck, they had a family member about an hour away who gladly would come to their aid. In the meantime, they had to sit tight and wait. Because I know her so well, I know that Michelle was probably hungry and probably scavenging the car looking for any morsel to eat. When she is hangry, the last thing she needed was to sing more karaoke as her mom kept suggesting. Being in a stressful situation and in close quarters with your mother makes for an interesting adventure. A couple hours later, the tire was changed and they proceeded on their journey only driving 25 mph. because of the donut. They eventually made it to their destination. What was supposed to be a three hour car ride, turned into a 6 hour nightmare. It really could of easily been much more dangerous. It got me thinking, what would I do if I was stranded in the middle of the night in those weather conditions? After hearing her story, I immediately made sure I had an emergency road kit in my car. This could happen to anyone, no matter if you have a new car or old. Knowing what to do will save your life. Along with your insurance card, there is usually a phone number for emergency road assistance. If you don’t have roadside assistance on your vehicle, act NOW! Its inexpensive to add on and worth the price ten times over. With the amount of times I've locked my keys in my car or needed my vehicle towed, I'm sure the company lost money on me. Having roadside really is a lifesaver and an inexpensive piece of mind. Along with that, do you have the essentials in your vehicle if you were to be stuck for hours? Having communication is imperative...just ask my teenagers, as they make sure their cell phones are in their hands at all times. Look at them being all responsible. Carrying extra batteries and chargers in the car is a standard everyone would benefit from. Even if you know how to change a tire, there may be a time where you need help, but having the proper tools in your vehicle makes emergency situations more doable. In North Dakota, we do not always have the resources to get help immediately, so its very important to be able to be safe until someone can get to us. One more word of important advice from Michelle….if you are ever stranded on the side of the road for hours, what is the one thing you should never leave home without?? Even I know this answer……...SNACKS!

Business Spotlight

Just Good Barbecue
If you can’t stand the heat of the kitchen, get out…and head on over to Just Good Barbecue! Just Good Barbecue is a business that recently launched in January in Harvey out of Lincoln & Nine. Terri & Jeff Powers love to cook and decided to use their gift to serve the community to fill a need. We have heard time and time again how limited our resources are for divine cuisine! The menu will vary week to week but a few items you might find on their menu would include BBQ ribs, chicken, tri tips, etc. They will have a variety of sides available as well; such as Mac & Cheese, Potato Salad, Beans, and Coleslaw. To see what their menu will be, be sure to follow them on Facebook. The Menu will be posted weekly – so all you meal preppers, you will be able to plan ahead, and skip a day to enjoy some barbecue! Just Good Barbecue will be open Fridays & Saturdays only from 4-8 PM. They will be serving first come, first serve. If you are calling in an order, call in EARLY or you might be last on the "line." With no employees yet, managing the kitchen and the crowd might leave you hanging. We hope you take some time to support Terri & Jeff on their new endeavor, we know we will be!

Claim Corner

What is one of the most important items we use on a daily basis? Our phones. If you see my teenagers, they are protecting them like the holy grail. Most cell phones come with a warranty or you have the opportunity to buy insurance through your cell phone provider. Another option you have is to add it to your homeowners policy, depending on the carrier. Some carriers have stipulations when it comes to cell phones. Having four kids with cell phones, I have mine all listed on my homeowners policy. Cell phone coverage can cover anything from a cracked or broken device to losing your cell phone or even it being stolen. That being said, it is very common to lose them, because accidents happen. They happen quite often around water. Do you ever watch videos of scuba divers finding numerous cell phones at the bottom of the ocean or lake? You probably know someone who has dropped their phone in the water in the lake during the summer or ice fishing, which is also pretty common. If you are quick, you can save it, but most times you are out of luck. This is where your insurance coverage comes in handy. When you are reviewing your policy, it doesn't hurt to check with your agent if adding your phone is an option for you. Also take into account the value of the phone versus the deductible that would be on your policy. You still want to be careful, as the goal is to not put in a claim on your homeowners insurance. Many ask, do you need to have a homeowners policy? Not necessarily, you may be able to add your more high priced valuables to a renters policy.
A few summers back I was on my friends boat taking pictures because, if you don’t take a pic, it didn't happen. We were not very far off shore, but I definitely cried when my cell phone flew out of my hands and into the water. My friend quickly jumped in to grab it. Successfully he was able to grab it! In handing it back to me, it appeared to still be working fine. In fact, at that very moment I saw a call coming in. It was my boss! Sorry Chad, it appears I dropped my phone again. Whoops!


Your Crop Insurance deadline is
March 15th
If you have any changes to make to your current crop insurance policies, you have until March 15th.
Don’t have crop insurance?
No Problem! Now's the time to sign up!
If you have questions regarding crop insurance and what you may need to secure crop insurance, give us a call. We are here to help!

Happiness is a HOT TUB!

Who doesn't love a hot tub?! Forgive me if the picture is boring, Michelle would not let me publish the picture of her in the hot tub I originally had. In fact, I also had many stories of what not to do in a hot tub featuring Michelle, but those probably shouldn't be mentioned. Many people love to enjoy a hot tub in the winter. There’s just something cozy about it when its cold outside. This time of year we get many calls from insured’s about their hot tubs. Are they covered if they freeze? Are they covered if something breaks? Do I need to add them to my insurance policy? Generally speaking, hot tubs are covered by your homeowners insurance, however, their coverage and how that coverage works changes based on how and where the hot tub is installed. Your liability coverage will likely cover you in case of injuries sustained in your hot tub. You should check with your insurance provider to see if your tub is covered in the first place. Some companies may make you get an added endorsement before protecting it. When it is covered, your hot tub should be safeguarded from the same perils listed on the policy that your home and belongings are. These could include storm damage, fires, and fallen trees, whether its considered a part of your home or as your personal property. Each insurance carrier will treat, define, and classify a hot tub differently as well as what perils (causes of loss) your insurance will cover. It’s always a good idea to contact your insurance provider if you have a hot tub or plan to install one. Having the right coverage in place will give you peace of mind and help avoid surprises if you ever need to make a claim.
Hot Tub Do’s and Don’ts
1. DO turn your hot tub into "no freeze" mode.
2. DO invest in a good cover and lock it when not using.
3. DO turn off the air controls when not in use.
4. DON’T change the water in freezing cold weather.
5. DON’T use a shovel to remove snow from the cover.
6. DON’T let the water get too cold, keep it consistent.
Using a hot tub in winter is a true luxury, but you will need to take some precautions to keep your hot tub and your health safe in the frigid winter air. So keep these tips in mind to protect your hot tub and enjoy it to the fullest all winter long!

Business Spotlight

Alice Aesthetics & Skin

Written by McKenzie Blumhagen
Have you heard? There’s a new business in town that will make you feel like brand new! Kim Thorson has launched Alice Aesthetics & Skin Renewal in Harvey. She said she has always been interested in dermatology and skin care and when she realized one treatment was as reasonable as a high quality face cream, she jumped at the opportunity to try it. She had amazing results herself and wanted others to feel as confident as she did. Her favorite part of this business is the new energy and confidence she sees her clients carry after they experience the results of the treatments! I think we can all agree that when we look good, we feel good, right? I won’t lie, after this interview I was pretty excited to try some of her services but the bummer is, you can’t receive these treatments while pregnant or breastfeeding, so someone who isn’t expecting, please, let me live through you and your results! Kim is currently offering Botox & Fillers and is hoping to add new services to her business next fall. To learn more or schedule an appointment, you can connect with Kim via her Facebook Page, Instagram, or text (701-341-9692).

Recipe of the Month

BBQ Chicken Salad
3 boneless chicken breasts (rotisserie chicken works great too)
1 1/2 cup BBQ sauce
Salt and pepper to taste
4 hearts Romaine lettuce, washed and cut
1 can black beans, rinsed and drained
1 bag frozen corn, cooked
1 cup sliced tomatoes
1 cup shredded Colby jack cheese
1/4 cup red onion
1/2 cup cilantro
BBQ sauce
Tortilla strips
Favorite salad dressing ( I personally use Ranch)
Cook chicken and shred with two forks. Pour BBQ sauce to coat chicken. To assemble the salad, place lettuce in bowls, top with chicken, beans, corn, tomato, cheese, onion and cilantro. Top salad with tortilla stips, more BBQ sauce and dressing of choice. Gently toss to combine. Enjoy!