The “Shocking” Cost of Replacing Your Electronics

Rochester, MN is known for its cold winters, but we can have extreme weather anytime of the year. Did you know, for example, that two F4 tornadoes have hit our community since 1953? What is interesting is that the first of those, in 1953, occurred in May. The other struck in mid-September. That second storm hit in 1962. Of course, it doesn’t take an F4 tornado to cause damage. Heavy rains and winds can cause damage almost anytime.

If you own a business in the Rochester area, are you convinced you have the proper business insurance to cover you in such a storm? Consider your electronics and computers for example. Today, most businesses rely on their computers, software and electronics to conduct business. They help us complete transactions, stay in contact with customers, and hold a significant amount of critical business information. If your policy just covers the cost of replacing equipment, you may be in for a shock. What about the software and the data on those computers? What about the cost of setting up a new network? Recovering from damage to electronic will likely cost you more time and money than simple replacement of a piece of equipment.

If you are unsure, we invite you to contact us at Safechoice Insurance Agency. As independent agents serving the 55901 zip code area, we can review your policy from any company. We can also search multiple providers for a better rate if you choose. We also invite you to get comparative rates on auto and homeowners insurance from our website. We believe once you see how we can save you, you will want to do all of your insurance business with us.

Contact us at Safechoice Insurance agency today and avoid the shocking true costs of damage to your business electronics.

Is Carpet Damage Covered On A Policy?

Throughout Rochester, MN, there are many things to attract people. There’s the Mayo Clinic, which is a provider of more than 30,000 jobs. It is also why many people choose to visit the 55901 area. The city has a large population and with the nearest metropolitan being St Paul, plenty of people are commuting in and out of the city.

When you buy home insurance to protect your house in Rochester, you have to consider what is and isn’t covered on a policy. Carpet may be throughout your home and you have to look at whether you will be responsible for paying for the replacement when it becomes damaged.

Here’s when you will have to pay for the carpet damage:

– Pets

– Kids

– Food

– Heavy foot traffic

– Normal wear and tear

There are other times when carpet can be damaged and this is when you will want home insurance to pay for it. The carpet may become damaged during a fire, flood, or even a robbery. All sorts of things can happen and you will want to call the insurance company to file a claim. You will want the coverage on your policy for all of these things as it relates to carpet so your claim is not denied.

The fine print needs to be read when you buy a policy for your home in the 55901 area. Some companies offer better coverage than others and so you will always need to do some comparisons.

We have agents to help you find a cheap policy while still making sure carpet damage is included. We will go over some of the basics with you, ask questions, and answer questions you have. We will also work on getting quotes for comparison and for finding a cheap premium.