Charles Casanova

Welcome to the Charles Casanova State Farm Agency!

My team is available by phone Monday - Friday 9:00 am till 5:00pm.

January in International Falls: New Year, Fresh Insurance Review

New year, new checklist. At the Charles Casanova State Farm Agency in International Falls, we use January to help neighbors review what changed last year—and what’s ahead this winter—so your coverage stays aligned with real life. Phone, virtual, or in-person options available.

January Checklist (Quick Wins)

• Auto Insurance — Winter Readiness: Confirm deductibles, roadside assistance, and how your coverage applies to icy-road fender benders and winter travel.

• Home Insurance — Freeze & Ice Prep: Review dwelling/other structures, personal property limits, and loss-mitigation steps for frozen pipes and ice dams.

• Life Insurance — Beneficiaries & Milestones: Update beneficiaries after life events (marriage, new child, new home) and confirm the coverage amount still fits your goals.

• Renters/College Transitions: If a student is heading back to campus, make sure personal property and liability are set up correctly for dorms or off-campus housing.

• Umbrella Liability Review: Consider added liability protection if your assets, activities, or teen drivers have changed.

• Small Business Check-In: For local shops and contractors, verify property, liability, and workers’ comp reflect any new equipment, payroll, or inventory.

Tip: Bring a short list of changes from 2025 (new car, remodel, move, new household members) and any big plans for 2026. A 15–20 minute review can surface simple adjustments.

How to Schedule

Call or click to set a quick year-start review—phone or virtual—whatever’s easiest for you.

I am your State Farm Insurance agent for the International Falls, Minnesota area. Since 1982, we have been dedicated to serving individuals and families in International Falls, MN, and surrounding communities, including Kabetogama, Ray, Ranier, Littlefork, and Big Falls. With over 42 years of experience, I take pride in providing exceptional service and personalized coverage options.

We are a quick call/text away from your Personalized Price Plan! We offer Snowmobile, RV, and ATV Insurance to help protect your adventures wherever they take you. You can also count on us for Auto Insurance to cover your vehicle during fall road trips and Home Insurance to help protect your property while you're enjoying time away. Life Insurance is a lasting way to plan for your loved ones’ future, helping you prepare for whatever lies ahead. Our team also provides State Farm's Renters, Condo, and Business Insurance plans for well-rounded protection.

Beyond insurance, I enjoy hiking, fishing, cooking, skiing, snowboarding, and horseback riding. I am a graduate of the University of Minnesota with a degree in Economics and have spent over four decades helping the International Falls community with their insurance needs. I have been married to my wife, Mary, for several years, and she is a children’s author. We have two children, Kate and Eric, who were born and raised in International Falls. Family is at the heart of all I do, and I strive to help protect yours just like I do my own.

Ready for a new insurance policy? Click or call for a free insurance quote!

FAQs

Q: How do I get a quote or review started? A: Call our office or start online and we’ll guide you through the next steps. A brief conversation helps us understand your situation and outline options. No obligation.

Q: What should I bring to a January review? A: Recent policy documents (if available), VINs or home updates, notes on major life changes, and any questions you want answered. Photos/records for a simple home inventory are helpful.

Q: Can I “bundle” Auto, Home/Renters, and Life? A: We can discuss multiple policies with one agency to simplify service. Eligibility and any available options depend on your profile and policy details. We’ll explain what applies to you.

Q: Do winter claims work differently? A: Coverage depends on your policy terms and the incident specifics. We’ll review how deductibles, repair options, and claim processes work before you need them.

Q: When should I update beneficiaries? A: Any time life changes—marriage, birth/adoption, divorce, or a change in financial goals. We can help you review and update designations.

Q: I run a small business. What should I check each January? A: Payroll changes, new equipment or tools, vehicles, additional locations, and certificates of insurance for contracts. We can align coverages to current operations.