insurance

Does Auto Insurance Cover Modifications or Add-On Parts You Add to Your Vehicle?

Posted on by AgentInsure

Customizing your vehicle can be a fun and rewarding way to make it stand out. Whether it’s a new sound system, custom wheels, or performance upgrades, those personal touches make your car feel unique. However, when it comes to insurance, many drivers don’t realize that those modifications might not be covered. At Safechoice Insurance Agency in Rochester, MN, we help drivers protect not just their vehicles but also the investments they’ve made in them.

What Your Standard Policy Typically Covers

Most standard auto insurance policies are designed to cover the vehicle as it came from the factory. This means that if you’ve added anything after purchase, such as tinted windows, a custom bumper, or an upgraded exhaust system, those parts are likely not included in your coverage. If your car is damaged or stolen, you could end up paying out of pocket to replace those upgrades.

How to Protect Your Custom Parts

If you’ve added aftermarket parts or made performance upgrades, it’s important to talk to your insurance agent about adding custom parts and equipment coverage. This additional protection is specifically designed to cover the modifications that make your vehicle unique. You may need to provide receipts or photos to document the value of the upgrades you’ve made.

Make Sure You’re Fully Covered

The best time to review your coverage is before something happens. At Safechoice Insurance Agency, serving the greater Rochester, MN, area, we can help you understand your current policy and add the protection you need. Contact us today to ensure your upgrades are as protected as the rest of your vehicle.

Home Insurance Covers Your Visitors if They Get Injured on Your Property

Posted on by AgentInsure

A visitor to your home may get injured through no fault of their own. Hazards are everywhere, and people don’t always see them. While you never intended for your guest to get hurt, home insurance is designed to cover their medical care. At Safechoice Insurance Agency in Rochester, MN, we’re here to help you protect your visitors by finding the best home insurance policy for your needs. Here’s how it works.

How Personal Liability Coverage Helps You and Your Guests

A home insurance policy includes a section known as personal liability. This section covers the healthcare costs of a guest who is injured while at your home. It outlines the situations that are covered and the upper limits for medical bills. Your guest’s medical expenses are paid up to the maximum amounts specified in your policy.

Protecting You Against a Lawsuit

After a personal injury, you may be at risk of being sued by the injured guest. Your insurance provides legal assistance and handles the lawsuit on your behalf. The insurer takes responsibility for resolving the suit and settling with the plaintiff, so you don’t have to find a lawyer or pay for their services.

Learn More About How to Protect Your Guests From Injury

At Safechoice Insurance Agency in Rochester, MN, we want you to feel secure when you have guests over. We’re here to sit down with you and explain how your home insurance policy covers visitors who are injured by a hazard in or around your home. Contact us today to schedule an appointment and learn more about this type of coverage.

Which “toys” are Considered to be Recreational Vehicles in Minnesota?

Posted on by AgentInsure

Recreational vehicles bring fun, excitement, and adventure to our lives, whether on water, snow, or trails. If you’re considering purchasing one of these vehicles to enjoy in Rochester, MN, and beyond, it’s important to understand what qualifies as a recreational vehicle and the type of insurance you may need. Contact the knowledgeable team at Safechoice Insurance Agency for answers to your questions and recommendations for coverage tailored to your needs.

Recreational Vehicles in Minnesota

There are many options when it comes to recreational vehicles, offering activities ranging from water sports and snowmobiling to off-road adventures and travel. Below are examples of motorized and non-motorized recreational vehicles to consider:

Motorized and Non-Motorized

  • Includes Class A, B, and C motor homes, as well as pop-up trailers, toy haulers, fifth wheels, and travel trailers.
  • Perfect for winter adventures.
  • Includes jet skis, motorized boats, and sailboats for water-based activities.
  • Designed for trails and natural terrain, including some four-wheel-drive vehicles and utility task vehicles (UTVs).
  • Motorized vehicles are used for exploring trails, paths, and off-the-grid environments.
  • In some Minnesota cities, motorcycles are considered motorized recreational vehicles.

Contact Us

Let Safechoice Insurance Agency help you get road-ready, off-trail equipped, and water-prepared with insurance coverage to protect your recreational vehicle. Enjoy all the activities available in Rochester, MN, with peace of mind. Contact us via phone, text, fax, or email. We’re available Monday through Friday from 8:30 A.M. to 5:00 P.M., and we can also schedule weekend or evening appointments to accommodate your needs.