What Do You Need To Understand About ATV Insurance?

Safechoice Insurance Agency in Rochester, MN is a full-service insurance agency.  The various states have their own licensing and registration requirements to operate an ATV.  Minnesota (MN) law requires those that operate ATV’s on or crossing the public highway must have Minnesota automobile operating license, and all ATV’s are required to b registered with the Minnesota Department of Natural Resources.  Before one is permitted to operate an ATV, Minnesota has supplemental requirements such as safety course, specific age restrictions, and the necessity to use particular ATV safety gear. 

Homeowners and Recreational Insurance

While a homeowners policy may cover a liability claim for an ATV accident, but only if the accident or damage to the ATV occurred on the homeowner’s property.  Recreational insurance may cover ATV’s. However, this insurance is not written explicitly for all-terrain vehicles, and recreational coverage may not be as comprehensive.

ATV insurance typically covers:

1.    Liability – will cover any bodily injury while driving the ATV and property damage up to an amount stated in the policy. 
Without ATV coverage the medical bills of a bodily injury could cause thousands of dollars.  Legal fees are included if the ATV driver caused the accident.

2.   Collision –  repairs covered to you damaged ATV as a result of an accident.

3.   Comprehensive –  this is optional coverage which will pay for an ATV that is stolen or damaged by vandalism, severe weather or fire.  There is a situation that comprehensive coverage is required if you are seeking an ATV loans through a Bank or financial institutions. 

4.    Uninsured/underinsured motorist – optional coverage, which covers the cost if the other rider that caused the accident and is uninsured.

Safechoice Insurance Agency in Rochester, MN looks forward to interviewing you concerning all your insurance needs. Please call us!

What Are Your Professional Risks?

Before calling Safechoice Insurance Agency about a commercial insurance plan, it’s a good idea to figure out exactly what the risks are that you face in your line of work with your Rochester MN business.

For instance, you might not think that you need general liability as part of your plan because you don’t own an office or a factory or anything, but consider what might happen if a courier is injured delivering a new prototype to your home.

If you use your personal vehicle to make business runs, dropping off deliveries or picking up product, then you might want to consider the advantages of covering your auto under a commercial policy.

Those people you have working for you, are they freelancers, or are they employees? Remember that just writing down "freelancer" might not make it so in the eyes of a court (or in the eyes of the IRS). These are all things that need to be considered before you buy your policy.

It all varies by industry and by business. A delivery service obviously needs to cover their vehicles and drivers, where a garage-based startup that only employees freelance labor doesn’t have to worry about worker’s compensation at all.

Before you call Safechoice Insurance Agency, it’s worth making a list of worst-case scenarios. It can be a bit grim, but it’s the only way to prepare yourself: What’s the worst thing that can possibly happen at your business? If you can write a top ten list covering all of those possibilities, then you’ll have a good idea of what you need to discuss when you call your insurance agency to create your commercial insurance plan.

Can You Buy RV Insurance for a Rental?

Taking a vacation in an RV can be a budget-friendly option and a great way to make memories. As such, more and more people are choosing to rent RVs when they travel. One of the questions that we at Safechoice Insurance Agency, serving the Rochester, MN area, are asked is whether someone can take out an RV insurance policy for an RV that they are renting. Here is the answer to that question. 

Can You Buy RV Insurance for a Rental?

If you are renting an RV, you will not be looking to purchase standard RV insurance. Instead, you will be looking to buy a temporary RV insurance policy. A temporary policy covers you temporarily while you are renting an RV from someone else or from an RV rental company. Temporary RV insurance also covers you if you are borrowing an RV from a friend or family member, as their RV insurance typically does excludes anyone aside from those named on the policy. 

How Long Can I Carry Temporary RV Insurance? 

Most companies do not put a length of time on how long you can carry temporary RV insurance. If the RV is registered and insured in someone else’s name, you are unable to carry traditional RV insurance on it. As long as this is the case, you can continue to carry temporary RV insurance. Some people rent RVs for a year to travel the country, while other people rent them for a week for a short camping trip. Either way, there is a policy to fit your needs. 

If you have purchased an RV and need an RV insurance policy, or you are renting an RV and need temporary RV insurance in the greater Rochester, MN area, Safechoice Insurance Agency can help you get the coverage you need. Call us today to get started. 

Do I need ATV insurance?

Operating an ATV in Rochester, MN can be a fun activity and an exciting way to spend time or run errands for business. Especially in the winter, people take to the outdoors to enjoy the many trails and other outdoor locations that can be found in Minnesota. However, it can also lead to accidents, which can be confusing because ATV drivers aren’t licensed and they don’t have the same legal requirements as drivers do to carry a license and insurance. 

Many ATV drivers and riders are also underage. The Minnesota Department of Natural Resources recommends everyone take a safety course, but there are always risks involved in these kinds of activity.  If you are in an ATV accident without insurance, you may still be liable for all the damages that occurred during the accident. From broken equipment to injured people, the damages can be very expensive.    

Every year, there are hundreds of ATV accidents in Minnesota that result in injury. Many of those involve young people and children, especially those under the age of 16, who particularly enjoy the thrill of ATV riding. At Safechoice Insurance Agency, we want to make sure you are protected when those accidents occur. If you are injured, you will want your injuries to be taken care of. If another person was injured, you need for their injuries to be taken care of so that you will not have to pay out of your own pocket. 

According to the Mayo Clinic, over 10.5 million Americans owned ATV’s in 2009, up from 400,000 in the 1970’s. This is a trend that is growing, and which offers legitimate uses. If you want to talk about a policy for our ATV riding, call  Safechoice Insurance Agency to obtain a policy in Rochester, MN today.


Why You Need More than Just Car Insurance on Your RV in Rochester, Maine

When you own an RV, it’s more than just a vehicle. It’s the culmination of years of planning and saving and probably one of your largest assets. Don’t let that dream be crushed due to lack of insurance when you need it the most. Talk to your Safechoice Insurance Agency representative in Rochester, MN to answer questions on specific coverage. In the meantime, keep reading to learn more about RV insurance.

What’s Included in RV Insurance?

Recreational vehicles, or RVs, are required to have the same types of insurance as cars and trucks. However, the liability and personal injury coverage required by law covers other vehicles, but not your own. With an RV, if you borrowed money, your lender will most likely require full coverage for the replacement cost of the vehicle. You may wish to get additional insurance for your personal property and to cover other events.

Your RV insurance premiums are determined by the class of your vehicle, how often you use it, and whether it’s your full-time residence or vacation home. Your Safechoice Insurance Agency team in Rochester, MN can set up an appointment to determine what coverage you need and to provide a quote.

What Does RV Insurance Cover?

RV insurance covers many of the same events as car insurance. It includes comprehensive and liability coverage, as well as collision. Options you may want to consider include:

  • Total loss replacement (most likely required if you have a loan)
  • Full-time coverage (works like homeowner’s insurance if you live in your RV)
  • Campsite and vacation insurance
  • Coverage for emergency expenses
  • Towing and roadside assistance
  • Uninsured motorists’ coverage


Will ATV Insurance Cover Liability if a Friend is Driving?

Riding the trails with friends is a given right of passage for many residents around Rochester, MN. The last thing anyone expects is to be held liable in the event of an ATV accident, especially when friends or family members are involved. Unfortunately, waiting until an accident happens before purchasing ATV insurance can be an expensive lesson to learn.

When is Insurance Necessary?

Liability insurance becomes vital when other people will drive or ride your ATVs, whether on your property or public lands. Don’t assume your homeowner’s insurance policy covers accidents that happen on your property. This is one of the times you want to talk to the experts at Safechoice Insurance Agency for clarification since you will be held liable for accidents that occur on your property. 

If your ATV is financed, you will likely be required to carry liability and collision coverage until the loan is paid in full. This protects you and the financial institution should the ATV be damaged. It also provides coverage for any medical needs that are a direct result of an ATV accident.

What if I Only Plan to Ride on my Property?

Registration type is more impacted by where you plan to ride that is insurance. MN DNR has an extensive guide available. You will find information on legal age requirements and who must take an ATV safety course before operating an ATV. Making sure that anyone operating one of your ATVs is in compliance with state regulations is important.   

Safechoice Insurance Agency can help you determine which ATV insurance plan will cover you, your family, and your friends near Rochester, MN who will likely operate your ATV with permission. We are here to answer questions about how ATV insurance can provide peace of mind before you head out for a ride with friends.


Does My Commercial Insurance Protect My Building’s Systems? Safechoice Insurance Agency – Blog Order – October 2017

Several different types of commercial insurance policies. The agents at Safechoice Insurance Agency work with business owners in the Rochester, MN area to get the best coverage for them. One policy that businesses need is commercial property insurance.  These policies cover the physical structure the company operates in. It will also cover the current inventory and raw materials. Production equipment and machinery receives protection as business property. The coverage also extends to include computers, office equipment, artwork, business documents and signage. The policy will also cover intangible property such as business trademarks and copyrights held by the company. 

Several different types of commercial property insurance policies are available. A basic plan covers damages and losses resulting from natural events such as lighting, wind and hail. Explosions are also covered. The basic plan should also cover the debris removal costs. A broad plan covers additional events including roof damage or collapse from weather events such as snow or ice.  Plans will also cover damage from riots or civil unrest. Finally, a special form policy combines the qualities of the basic and broad plans. These policies with cover all damages except those specifically excluded in the policy. Another variable that will affect the insurance premium is whether you opt for actual cash value or replacement value. If you select actual cash value and the building or equipment is damaged or destroyed, the reimbursement will be based on the value with depreciation factored in.  A replacement value will reimburse for the cost to replace the equipment or rebuild the building.

For Minneapolis, MN area business owners, commercial property insurance policies represent many choices. Call on the team at Safechoice Insurance to get the coverage you need today!

Choosing a Life Insurance Beneficiary

Although it’s not a subject most people want to discuss, it’s a very vital one–who your life insurance beneficiary will be. For people with a spouse and no other relations or who have only one child, the answer might be simple. For everyone else, it’s vital to take the time to compare your options because this is the most important decisions you’ll make when opening your policy with Safechoice Insurance Agency, serving Rochester, MN and the surrounding area.

Circumstances of Prospective Beneficiaries

Before you deem someone as your beneficiary, make sure you consider their financial situation. Depending on what they owe, it’s possible the government could seize the money, and your beneficiary won’t receive any of the money. If your potential beneficiary collects social security or any government assistance, your beneficiary may no longer qualify for benefits because of the money they inherit from you. This could harm them in the long run financially. 

Who it Benefits

When you’re deciding on a beneficiary, think about who gets the money and how they would probably use it. Do you really want to appoint someone as your beneficiary if they’re just going to blow the money? Or would you rather deem someone as your beneficiary who will use it to pay off their home, take care of their children or expand their business?

Your Children

If you have underage children, you automatically think of them first when it comes to after you pass. While making sure they’re financially taken care of is vital when planning, the money may not be able to go to them until they’re 18. Therefore, you should make sure the money goes to someone who you know will put your children’s best interest first and see they receive the money. 

To get a quote for life insurance or open a policy with Safechoice Insurance Agency, serving Rochester, MN and the surrounding area, contact us today at 507-280-9282.

Is Motorcycle Insurnace Necessary All Year?

A motorcycle is a great way to get around or to go out and have fun but without the proper insurance, it can also be a terrible risk. For those that have motorcycles, it is important that you take the time to really figure out what type of insurance you need and to find out how long you need to keep the policy effective. For those that live in the Rochester, MN area, the agents with Safechoice Insurance Agency can help you tailor a policy to your needs so that you can be safe whenever you ride.

For those that are wondering should you keep motorcycle insurance all year, the answer is simple, any time that there is a chance you are going to ride it, you should have insurance in place. For those that live in a climate where winters are cold and the bike is not going to be ridden, you could get away without insurance during the colder months. For those where the climate is accommodating to riding all year, you need to make sure you keep a policy all year.

Most motorcycle policies are less than a hundred dollars for the entire year and as such you should go ahead and keep a policy all the time. Policies do not only cover accidents, most cover vandalism and other damages that might be done to the bike as well. Keeping insurance is inexpensive enough and you do get a discount for buying an entire year of insurance at once. If you have a motorcycle and are wondering about insurance contact an agent to see what policy you might benefit from. For those in the Rochester, MN area, the agents with Safechoice Insurance Agency can help you find the perfect policy for your bike and for your particular situation.  

Getting Beyond the Myths about Life Insurance in Rochester, MN

Life insurance is one of the most important, yet misunderstood forms of insurance. Don’t let myths get in the way of you securing an important type of protection for you and your family. Here are some of the more popular myths about life insurance in Rochester, MN. At the Safechoice Insurance Agency, we want you to know why you should disregard these myths.

Myth: Life Insurance Becomes More Expensive as You Age

This myth often comes up because of a misunderstanding. It’s true that premiums can become more expensive if you wait too long to start a life insurance policy. For example, it’s more cost feasible to start at 30 than it is to start at 50. Once you actually have your policy, this no longer applies. Your rates don’t increase as you age.

Myth: If You Have Life Insurance Through an Employer, You Don’t Need Your Own Policy

Many employers offer some form of life insurance as a part of their benefits package. These types of offerings can help, and you should definitely take advantage of them if they’re free or absurdly low cost. However, there’s no guarantee your employer’s plan will have the adequate amount of insurance for your needs.

In addition, that life insurance may only last for as long as you work for that employer. Don’t think of it as a full policy, just a perk. You still should have your own life insurance policy.

Myth: You Don’t Need Life Insurance if You’re Young or Have No Children

You don’t have to wait until you’re older, more financially secure, or a parent. You can lock in good rates when you’re younger. It’s an excellent idea to have coverage before your life starts to change. Life insurance is also a good idea if you have any debt that may remain with someone else, such as co-signed student loan debt.

There are many other life insurance myths in Rochester, MN besides these. At the Safechoice Insurance Agency, we want to help you get beyond the myths so you can pick up the coverage you need. Contact us today to learn more.