If you own an antique or classic ATV, you may wonder if there is a special insurance policy. The answer is yes – a specific policy is designed just for antique and classic ATVs. The Safechoice Insurance Agency offers a policy specifically for antique and classic ATVs in Rochester, MN. This policy is designed to provide coverage for these vehicles in case of an accident, theft, or damage. Here’s what you need to know about it.

What Is an Antique or Classic ATV?

An antique or classic ATV is defined as an ATV at least 25 years old. These types of ATVs are typically used for recreation rather than transportation. They may be used for off-road activities such as hunting, camping, or trail riding.

What Kind of Insurance Policy Covers an Antique or Classic ATV?

A standard ATV insurance policy will not cover an antique or classic ATV. However, some insurers offer special policies for these types of vehicles. The coverage on these policies is often limited, so it’s important to check with your insurer to see what is covered. There are two types of antique or classic ATV policies:

• Agreed value: This type of policy covers the vehicle for its agreed-upon value. This is the amount you and the insurer agree the car is worth. In the event of a total loss, this is the amount you would receive from the insurer.
• Stated value: This type of policy covers the vehicle for its stated value. This is the amount that you tell the insurer the car is worth. In the event of a total loss, this is the amount you would receive from the insurer.

Conclusion

If you have an antique or classic ATV, it’s important to check with your insurer to see if they offer a special policy for this type of vehicle. Safechoice Insurance Agency offers both agreed value and stated value policies for antique and classic ATVs. Contact our offices in Rochester, MN, today for more information.

Toy collecting deserves broad and dedicated insurance coverage, as the scope entails diverse nature, and many are reasonably priced. Knowing that their most valuable items are mitigated against various risks, residents of Minnesota can breathe relief. They enjoy great satisfaction and peace of mind. Safechoice Insurance Agency is dedicated to offering the residents of Rochester a unique solution to their toy insurance needs.

At Safechoice Insurance Agency in Rochester, MN, we understand the importance and recognize the worth of your toy vehicles, and our coverage mitigates anything beyond your control. Among the risks we cover include:

• Burglaries and Theft
• Accidental Breakage
• Natural Disasters and earthquake damage
• Fire and Smoke damage
• Floods damage
• Mysterious Disappearance and malicious damage
• Damage or loss on transit

Benefits and Features Provided by Safechoice Insurance Agency under Toy Insurance

• Broad policy coverage– We insure your toy vehicles from damages accrued to fire, theft, accidental breakage, flood, earthquakes, hurricane, and much more.
• Inflation Coverage– The worth of your collection today might be different tomorrow due to inflation. To reduce such risks, we increase the value of your toy collection’s scheduled valuables. We automatically add new toy vehicles up to a specified value with adequate notice.
• Collectors Choice– Our policy provides a clause for extra coverage for items used during special occasions and those stored off-site.
• Agreed Value Mitigation– Some toy collections that qualify as antique and vintage toy vehicles are covered for their full value minus any deductibles.
• Personal Service– We offer unmatched service and promptly address your queries and concerns.

Under Toy Insurance, We Cover:

• Recreational vehicles, pop-up campers, or trailers– This cover varies depending on whether the RV has a cab and engine; your toy vehicle tows the pop-up camper or trailer.
• Off-Road vehicles- vehicles such as ATVs, golf carts, dirt bikes, snowmobiles, and sand buggies are also included in our policies.
• Small boats– Small watercraft are too small and do not qualify for boat insurance.

Don’t hesitate to contact us at Safechoice Insurance Agency for more information on cover specifics in Rochester, MN.

When you own a business in Minnesota, it’s crucial to have the types of commercial insurance required by law and other types that will also be helpful. Two types are required for many businesses in the state, and you need to know what they are and how they may apply to your company. Contact us at Safechoice Insurance Agency in Rochester, MN when you need commercial insurance.

Workers’ Compensation Insurance

When a business has employees, it’s important to have workers’ compensation insurance. This coverage protects your business if you have an employee injured on the job. The insurance pays for their lost wages, medical expenses, and other expenses. This protects your business from paying those claims and possibly suffering financial hardship. In Minnesota, all companies with employees, even if it’s only one, need this coverage in place. Sole proprietors, as are corporate officers and partners, are exempt from this requirement. 

Commercial Auto Insurance

If your business owns any vehicle or vehicles, they must each be covered by a commercial auto insurance policy. Many coverage types are mandatory as a part of this insurance. This insurance pays for the costs associated with accidents that a work vehicle gets into. A specific minimum amount of coverage is required for bodily injury liability for one injured person. There is a higher amount of bodily injury liability coverage required for all the people who are injured in an accident. There is another minimum amount needed for property damage liability. In addition, personal injury protection coverage is required to pay for your medical bills. There are also two amounts of coverage required for uninsured motorist coverage. 

Cover Your Business

Call Safechoice Insurance Agency in Rochester, MN to get your commercial insurance policies. 

 

 

You might be surprised to learn that there is no maximum age for life insurance. As an older person, your ability to get coverage will vary from one company to the next. Age does affect life insurance. Age impacts your premiums and your rate. Typically, life insurance companies won’t insure people older than seventy-five or eighty, but some may. Many companies will still issue a life insurance policy to an older person, although there may be limits on the options and benefits available. Safechoice Insurance Agency is committed to taking the confusion out of life insurance for Rochester, MN residents.

Life Insurance for Older People

Many people choose to invest in life insurance or acquire more life insurance at an advanced age. Some people decide to invest later in life to pay for end-of-life expenses or burial. They may also want to leave money for their children or grandchildren. It’s still possible to acquire life insurance at an advanced age. Of course, you’ll pay more being an older person than you would if you were younger.

You Have Options

Your health, pre-existing conditions, finances, and health usually determine the kind of life insurance you invest in. Term life insurance may be more attractive to people concerned with final expenses. A whole life insurance policy may be more attractive to someone who doesn’t want their policy to expire only to end up shopping for another one. Our team at Safechoice Insurance Agency can explain your options and help you choose a life insurance policy that meets your needs. 

There is no perfect age to invest in life insurance. However, there are factors that age will affect life insurance. An older person usually pays higher premiums and has fewer options. However, getting life insurance that meets your need is still possible. Call us. We’re here to help you understand the benefits of life insurance and the options available to you. 

Safechoice Insurance Agency, serving the greater Rochester, MN area, can help you with your health insurance policies. However, one of the things that our agents have noticed is that many people have no idea what factors they should be considering as they go about buying health insurance. Here are three crucial things to keep in mind when selecting a policy. 

Which Providers and Hospitals Are In the Provider Network

When looking at health insurance policies, one of the first things to consider when looking at health insurance policies is which providers and hospitals are considered in-network. This is important if you want to keep treating with the medical professionals who may already be caring for you or if you want to use the hospital closest to your home. 

Deductibles, Co-Pays, and Premiums

When shopping for a health insurance policy, always take the time to learn the meaning of deductibles, co-pays, and premiums. Many people use these words interchangeably, but they all have different definitions. You need to consider each of these factors as you shop for a health insurance policy. 

What Is and Is Not Covered

Finally, take the time to learn what is covered by the health insurance policy and what may not. For example, one policy may cover prescriptions while another may not. Learning what is and is not covered helps you budget and find a health insurance policy that covers what you need to be covered. 

Here at Safechoice Insurance Agency, serving the greater Rochester, MN area, we can help you find an ideal insurance policy for your needs or your family’s needs. Reach out to us today and let one of our agents answer any questions you have and help you select a new health insurance policy that meets your needs. 

Safechoice Insurance Agency, serving the greater Rochester, MN area, knows that the term toy insurance policy can be confusing. Most people hear this term and think that this type of policy is designed to cover children’s toys or even collectible toys. However, this term refers to toy vehicles. Here are a few vehicle types that are typically covered under toy insurance policies. 

Off-Road Vehicles

Off-road vehicles are the most common type of vehicle to be covered under toy insurance policies. Toy insurance policies can cover off-road vehicles such as golf carts, ATVs, UTVs, sand buggies, dirt bikes, and snowmobiles. In addition to covering the toy itself, the policy may also cover the trailers or towing equipment you use to transport the various types of toys you have. 

Recreational Vehicles, Trailers, and Pop-Ups

Another type of vehicle typically covered under toy insurance policies is recreational vehicles, trailers, or pop-up campers. The toy insurance policy you may need can vary based on whether your vehicle tows the trailer or pop-up camper or whether the RV has an engine and cab and functions on its own. 

Watercraft

Lastly, many small types of watercraft can be covered under toy insurance policies. This may include boats that are too small or do not meet the requirements for boat insurance, such as kayaks, or personal watercraft, such as jet skis. 

Are you looking to purchase a toy insurance policy in the greater Rochester, MN area? Safechoice Insurance Agency can work with you to ensure that all of your toys have insurance coverage. Reach out to us today to obtain an estimate or begin the process of insuring your toys. 

Residents in the Rochester, MN area will always have different insurance needs. A type of coverage that should always be considered is life insurance. This type of coverage can provide a benefit to the dependents of the policyholder. There are various reasons that the typical person in this part of Minnesota will need to have a life insurance policy in place. 

Ensure Dependents Have Financial Protection

An important reason for anyone to have a life insurance plan is to ensure their dependents have financial protection. When you have people that rely on you for income and living expenses, it is important that you provide them with the necessary protection. With life insurance, you have the ability to build a plan that has a policy level and term that offers this coverage. This can provide necessary financial assurances and peace of mind. 

Alternative Investment Option 

When you are looking to prepare for your future, having a strong mix of investments is very important. A form of investment that many people do not consider is life insurance. With a whole life insurance plan, a portion of each payment made will lead to an accumulation of cash in a low-risk investment account. Over time, this will build up to a large sum of money that is liquid and can be accessed at will. You also can use it to collateralize various types of loans. 

As you are looking to get a life insurance plan in the Rochester, MN area, it continues to be important that you get proper coverage. With so many choices to make, calling the team with Safechoice Insurance Agency is a good option. The professionals with the Safechoice Insurance Agency can ensure you remain covered and have the support that you need to pick a plan that will give you the right coverage. 

Safechoice Insurance Agency is here for the business community of Rochester, MN. We want to help you protect your business. If you would like to learn more about the benefits of a comprehensive commercial policy, give our office a call today!

Protect your business with a comprehensive commercial policy

Local business owners know the importance of protecting all of their efforts when it comes to insuring their businesses. If you are interested in upgrading your current commercial policy to one that is more comprehensive in nature, be sure to get all of the features that are needed. 

Protection for your entire business is possible with the right comprehensive policy.

• Inventory
• Equipment
• Commercial vehicles
• Office machinery
• Buildings and real estate

You can also opt for a policy that provides:

• Cash flow interruption protection
• Key employee coverage
• Worker’s compensation 
• Increased liability

There are many options available when it comes to commercial insurance! There’s no reason to limit yourself to a basic property insurance policy. We recommend sitting down with a knowledgeable agent who can present all of the information you need to make an informed decision.

Now is a perfect time to review all of the available options to determine if you have the coverage and protection that you need. Protecting a commercial venture is very important, and the right insurance policy can make this possible. No one wants to find out that they are underinsured, especially after they have experienced a catastrophic event! Don’t let that happen to you.

We look forward to working with you!

Rochester, MN business owners can rely on the team at Safechoice Insurance Agency for all of their commercial insurance needs. Call our office today and schedule a consultation to learn more about the commercial insurance options available.

A recreational vehicle is a prized asset with unlimited fun, especially when touring a country. Undertaking a trip around the countryside in the comfort of a home is a magnificent experience for many Rochester, MN residents. Today, it’s not a must to have a brick-and-mortar dwelling to you regard as a home. Recreation vehicles have made this dream become a reality.

Irrespective of the breathtaking experience of recreational vehicles, it’s worthwhile not to forget RV insurance. Please get in touch with our experienced agents from Safechoice Insurance Agency and get a functional RV insurance that will consider your desires and budget. In the process, here are the benefits you will accrue.

Legal requirement

Similar to ordinary auto insurance, RV insurance is compulsory in Minnesota. As an RV owner, you must buy minimum liability requirements in your RV insurance to avert dire penalties and fines for non-compliance.

Liability protection

Imagine what transpires when you propagate bodily injuries and property damage in an accident with your RV? The damage can accumulate to thousands of dollars! From exorbitant medical bills to expensive legal fees, third-party claims can be a thorn in the flesh of your pocket. Luckily, these unexpected expenses are sorted out if you have RV liability coverage.

Protection of assets

Procuring an RV is a massive investment. Unfortunately, unforeseen situations like accidents, hail, or fire can throw your precious asset in disarray. Perils can cost you fortunes to repair or restore your RV without splendid RV insurance. Nevertheless, if you have RV insurance, it caters to either repairing or replacing your vehicle.

Instills peace of mind

The roads you use to cruise in your RV are full of all manners of drivers. From drunk, teenage, uninsured, and speeding drivers, accidents are never far from your RV. Although many risks are facing your RV, insurance makes you relaxed knowing that you are well-protected.

Are you an RV owner searching for RV insurance in Rochester, MN, to guard your precious asset? Don’t hesitate to contact our agents at Safechoice Insurance Agency for a customized, affordable quote.

Safechoice Insurance Agency is an independent agency. We work closely with several carriers throughout the Midwest. We are committed to helping our clients find unique policies that will protect their assets. For over 15 years, we have helped Rochester, MN residents find coverage. You can expect to receive first-class customer service.

Exploring The Benefits Of Motorcycle Storage Coverage

Operating a motorcycle comes with significant risks. One accident can cause serious consequences. Motorcycle insurance is an asset. Motorcycle insurance covers your bike if it suffers damage through impact with another object. You can opt for comprehensive coverage, which covers your bike if it’s stolen or inclement weather moves through the area and damages your bike. Liability coverage protects you if you accidentally lose control of your bike, and it damages someone else’s property or causes bodily injury. You can also amend your policy to add extra coverage such as emergency roadside assistance, which covers you if your bike breaks down while you are on the road.

One of the other extra coverage options to consider is storage coverage. During the harsh winters in the Midwest, you will likely put your motorcycle in the garage to keep it safe since you aren’t using it. However, things could still happen. Perhaps your roof suffers damage which causes snow to build upon your motorcycle and damage the paint. Maybe an object falls and cracks a window. That’s why storage coverage is an asset. Storage coverage protects your motorcycle if an emergency occurs while you aren’t using it. It’s important to maintain some type of coverage, especially if there is a unique day during the winter in Rochester, MN when you feel like riding your motorcycle.

Safechoice Insurance Agency Will Help You Cover Your Asset  

Visit our website to learn more information about motorcycle insurance.