Rochester

Major Changes to Always Report to Your Motorcycle Insurance Provider

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Having motorcycle insurance isn’t something you can have a set-and-forget approach toward. There are changes that may take place throughout your time as a motorcycle rider that could greatly impact your insurance, potentially leaving you fully responsible for handling your bills if something leads to claim denial. So, what changes do you need to report to your motorcycle insurance provider? Here are a few of the major changes that always need to be communicated. Whether you’re shopping for a new motorcycle insurance policy or looking to switch, you can always come to us here at Safechoice Insurance Agency, serving the Rochester, MN area.

What Changes Do You Need To Report to Your Motorcycle Insurance Provider? 

Some of the most important changes that you should always report to your motorcycle insurance provider include: 

  • Motorcycle Modifications: Any major modifications to your motorcycle that aren’t reported could lead to claim denials, leaving you on the hook for theft, vandalism, accidents, and beyond. If you make any changes at all to your motorcycle, always let your provider know. If you need additional coverage, you can ask them about add-ons for any customizations you’ve made. 
  • Changes in Personal Information: No matter whether your phone number has changed or you’ve decided to move, it’s important to let your policy provider know. Keep them in the loop about any changes to your personal information. 
  • New Bikes: Whether you get an additional bike or replace the one you have with another, you’re not automatically covered. Make sure to notify your provider about this change and get proper coverage for that specific motorcycle. 

Find Motorcycle Insurance With Safechoice Insurance Agency

We here at Safechoice Insurance Agency, serving Rochester, MN and the surrounding area, can help you find motorcycle insurance options in your area to give you the coverage you need as a rider. Give us a call today.

Will RV Insurance Cover Damage Done to a Parked RV?

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With summer vacation long over and the winter holidays coming soon, you might decide to park your RV and spend a happy holiday at home. Or maybe you’ll take your RV to visit family who will let you park on their property while you enjoy a winter vacation with them. Even if parked, your RV could still suffer damage. A snow-laden branch could fall on it, breaking the windshield. Hailstorms can happen. Holiday  decorations can catch fire. Will your insurance cover this? Learn more from the professionals at Safechoice Insurance Agency, serving Rochester, MN and surrounding areas.

You Are Covered! 

Even if you are not using your RV at the moment, RV insurance can still cover any damage done to it. Due to all the potential risks to a parked RV, it is a good idea to opt for “storage” or “inactive” insurance as this will cover your vehicle when it is not currently in use. Comprehensive coverage, as the name suggests, covers all damages including those not incurred on the road. Liability insurance will cover you if the RV were to fall over or come loose and do damage to someone else’s property. Collision coverage will come into play if your RV is stationary when it sustains damage. Even if you get your RV permanently parked you may be able to get an insurance policy that suits your needs. The cost will vary based on such factors as location, value and condition of the vehicle as well as the type of coverage you want. 

The Safechoice Insurance Agency Serves Rochester, MN

If you need help choosing the right policy for your RV, we at Safechoice Insurance Agency are happy to assist. Give us a call today.

 

How Toy Insurance Can Protect Your Snowmobile

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For many winter enthusiasts, snowmobiling is more than just a hobby; it’s a passion. But along with the thrill of gliding over fresh snow comes the responsibility of protecting your investment. Toy insurance for recreational vehicle ensures your snowmobile is covered when the unexpected happens.

What Is Toy Insurance?

Toy insurance is a specialized policy that covers recreational vehicles, like snowmobiles, ATVs, Jet Skis, and motorcycles. Unlike standard auto or homeowners insurance, which typically excludes off-road vehicles, toy insurance provides tailored protection for your sled, on and off the trail.

Comprehensive Protection for Your Ride

A toy insurance policy can include several types of coverage. Collision coverage helps pay for repairs if you hit an object or another vehicle. Comprehensive coverage protects your snowmobile against theft, vandalism, or weather-related damage. Liability coverage pays for injuries or property damage you might cause to others while riding. Many policies also cover custom parts, safety gear, and transport trailers.

Why It Matters

Snowmobiles can cost thousands of dollars to repair or replace, and accidents can happen even to experienced riders. Without the right insurance, you could face major expenses out of pocket. Toy insurance helps protect your investment and provides peace of mind every time you hit the snow.

Review Your Coverage Before the Season Starts

Before winter arrives, talk to your insurance agent to make sure your snowmobile policy fits your needs. With the right protection, you can focus on enjoying every ride, knowing your investment is secure.

At Safechoice Insurance Agency, We’re Proud To Serve Rochester, MN

We’re proud to offer toy insurance to Rochester, MN, residents. Contact Safechoice Insurance Agency to talk with one of our insurance agents and learn more about toy insurance for your snowmobile.

Will ATV Insurance Cover Your E-bike?

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When you think of an all-terrain vehicle (ATV), you might wonder which vehicles the term covers. Here, we’ll look at what’s considered an ATV in Rochester, MN, and whether your e-bike is included under a standard policy. 

Is an E-bike Considered an ATV?

No, e-bikes are not typically considered ATVs. At Safechoice Insurance Agency, our staff can tell you that most people can use their standard homeowners coverage if their e-bike is damaged or stolen. If you have an expensive e-bike, you may want to look into a separate policy for it, as homeowners coverage can be limiting. 

What Does ATV Insurance Cover?

This depends on the policy. ATV insurance can cover anything from golf carts to dune buggies, but it’s important to clarify how the coverage is written before you have to file a claim. 

When it comes to the actual policy, standard ATV insurance typically covers liability, collisions, vandalism, theft, and weather damage. You can also consider optional add-ons, like covering the cost of your safety apparel if it’s ruined in an accident or replacing any damaged after-market parts in a covered event. 

Insure Your E-bike with Safechoice Insurance Agency 

If you like to go off-roading, whether it’s on a dirt bike or a snowmobile, it helps to get all of your vehicles covered. At Safechoice Insurance Agency, we help our customers find coverage that works for them, especially if they invest in the best equipment. Plus, we can help you find other types of coverage if your vehicle doesn’t fall under a standard insurance category. If you’re ready to get a little more protection when you’re out on your many adventures, contact us for a quick quote. 

Do I Have to Get Motorcycle Insurance Before Buying a Motorcycle?

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If you plan to buy a motorcycle, you’ll need the right insurance. The professionals at Safechoice Insurance Agency, serving Rochester, MN, can help you find a suitable insurance policy for your needs.

If you have questions about motorcycle insurance, we can help! We’re here to provide assistance and information to people who want to know more about insuring their motorcycle. Here’s what you need to know.

Is Motorcycle Insurance Required?

Motorcycle insurance is required to drive a motorcycle on Minnesota roads. It must provide the minimum liability coverage required by the state.

If you buy a motorcycle, you will be required to have this minimum amount of liability coverage to drive the motorcycle away. This means you’ll want a policy that is ready to go when you buy your motorcycle. Getting started with an insurance agent can help speed the process along when you’re buying a motorcycle at a dealership.

If you’re interested, talk to your insurance provider about additional insurance to help protect you and others on the road. Getting more than the minimum amount can help protect your motorcycle and may also provide medical coverage for you and your passengers if you are in an accident.

How Do I Find the Right Type of Motorcycle Insurance?

Finding the right type of motorcycle insurance can be a challenge. At Safechoice Insurance Agency, serving Rochester, MN, our insurance professionals can help you find the best insurance policy for your vehicle and budget. We’re here to help.

We work with many carriers, so shopping around for a policy is easy. Call today to speak with one of our insurance professionals and get started.

Is RV Insurance a Requirement for Owning An RV?

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If you own an RV, it’s crucial to comply with state laws regarding insurance coverage. If you have a loan on your RV, your lender may also require insurance. The professionals at Safechoice Insurance Agency, serving Rochester, MN, can help. We collaborate with numerous insurance carriers to help our customers find the right insurance policy for their needs.

Is RV Insurance Required in Minnesota?

If you own an RV in Minnesota, the state requires you to have liability coverage. This type of coverage protects other drivers on the road from financial liability.

If you’re involved in an accident, your insurance company will cover the costs to repair or replace the other vehicle if you’re at fault. Your liability coverage may also help cover medical bills if the other driver or passengers in the other vehicle are injured.

If you financed your RV, your lender might also require you to have collision and comprehensive RV insurance. This coverage helps repair or replace your RV if a covered event occurs.

How Can I Get RV Insurance?

You can obtain RV insurance by contacting a trusted insurance agent. The professionals at Safechoice Insurance Agency, serving Rochester, MN, can help you find an insurance policy that meets your needs.

Why Work With An Independent Insurance Agent in Minnesota?

Independent insurance agents work with multiple carriers. This means they can provide several quotes when a customer needs a new insurance policy, making it easier to shop around.

Do you need insurance for your RV? The professionals at Safechoice Insurance Agency, serving Rochester, MN, can help. We work with many carriers and can help you find the best policy for your needs. Call today.

Types of Auto Liability Insurance

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When you hear the term liability insurance in the context of an auto policy, it refers to what your policy pays out to the other party if you are found liable for an accident. This generally refers to the people in the other vehicle involved in an accident. At Safechoice Insurance Agency in Rochester, MN, we are dedicated to informing our clients about their coverages and the benefits they derive from them.

Auto liability insurance coverage on your vehicle policy is legally mandated for driving on the roadways in most states. When you hear the term liability coverage in discussions of auto insurance, it refers to two types of coverages: bodily injury and property damage.

  • Bodily injury coverage pays for the injuries to the other driver(s) and passengers harmed in an accident that you have been found at fault for causing.
  • Property damage coverage pays for the cost associated with another person’s automobile or property damaged in an accident where you are at fault.

We will help you get the right coverage that you need.

What is Included With Auto Liability Insurance?

Auto liability insurance includes coverage for bodily injury and property damage.

Bodily injury coverage insures you against injuries to another person caused by an accident for which you are found liable. These injuries can include:

  • Pain and suffering
  • Medical bills
  • Lost wages
  • Prescriptions
  • Legal fees if you are sued for the injuries you have caused another person to suffer

Property damage coverage covers the damages your vehicle has caused to someone else’s personal property. These include:

  • Repairs to the car of the other drivers involved in an accident
  • Damages to fences, buildings, or other structures
  • A rental car while the other person’s vehicle is being repaired
  • Damage to the personal belongings of others inside a car, such as electronics
  • Legal fees if you are sued for causing damage to someone’s property
  • Other related costs arising from damage to property during an incident

Coverage Limits

There is a variety of auto liability limits available for drivers. Typically, there is a state minimum that you are required to carry. In Minnesota, the minimum liability limits are 30/60/10, which means that the state requires you to have auto liability cover sufficient to pay up to $30,000 per accident for bodily injury per person, up to $60,000 total for a single accident, and up to $10,000 for property damage to the vehicle or property of another in a single incident.

While you are only required to have the minimum, you may find it beneficial to carry a larger amount to ensure your financial protection in the event of an accident.

Let us Help!

Call us today at Safechoice Insurance Agency in Rochester, MN, at (507) 280-9282. Our knowledgeable and friendly staff can answer your questions and help you get the right auto liability coverage.

What needs to be considered when looking for home insurance in Minnesota?

Posted on by AgentInsure

Rochester, MN can be a great place to own a home. It is a great place to live due to the variety of professional opportunities and local amenities. When looking to buy a home, you must also evaluate your insurance needs carefully. There are various factors to consider when looking for home coverage. 

Protection for Assets

A primary type of coverage you need is protection for your assets. A home is a major asset to purchase, and having coverage for it needs to be considered a necessity. As you are looking to protect your home, you will want to ensure your plan has enough insurance to repair or rebuild your property if you are a victim of a fire or other challenging situation that results in damage. You should also ensure your personal assets are protected against similar risks, as well as theft or vandalism. 

Ancillary Coverage Options

It is also a good idea to consider different ancillary insurance options. These include water backup coverage, service line coverage, equipment backup coverage, and flood insurance. A local insurance professional can help you properly assess all of your options to determine which additional coverage options are ideal for your situation. 

Getting home insurance in the Rochester, MN area will always need to be a necessity and priority if you are a property owner. As you are looking for a new home policy in the area, you can contact our team with the Safechoice Insurance Agency. Our team of professionals with Safechoice Insurance Agency can help you assess all risks and needs regarding coverage. This can be a significant first step in building an ideal plan for your situation. 

Taking Care of Your Home the Correct Way

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When it comes to taking care of your home in Rochester, MN the correct way, there are several tips to keep in mind. From taking care of the lawn to cleaning out the gutters, keeping your home in pristine condition is essential to its overall value. Fortunately, one of the easiest ways to take proper care of your home is to keep an active home insurance policy on it. Here’s a quick look at three other tips you can follow to help ensure you’re taking care of your home the best way possible. 

#1: Sweep and Mop Behind Appliances

One of the dirtiest areas in a home is behind appliances. Whether it be a washer, dryer, refrigerator, or stove, the areas behind these appliances can get very dusty and dirty. And while they do not have to be moved on a weekly basis to be cleaned behind, it is ideal to move them and clean behind them at least once a month. In doing this, you will also notice how much easier it is to keep these areas clean because the dirt and grime will not build up so heavily behind them. 

#2: Clean the Windows

Cleaning your windows on a regular basis may or may not be an option. Window cleaning can require special equipment and supplies depending on how high they are and their shape. If you don’t know how or cannot clean the windows on your home yourself, you can always hire a professional window cleaning company to do the work for you. 

#3: Pressure Wash the Vinyl

Keeping your home pressure washed is key to keeping the exterior in tip-top condition. Once again, if you don’t know how to clean the exterior of your home (whether it be vinyl or brick), you can hire a professional cleaning company serving the Rochester, MN to do it for you. 

Contact Safechoice Insurance Agency today to learn more about home insurance in Rochester, MN today. 

 

Is Collision Coverage Necessary?

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Most every state requires that drivers carry minimum auto insurance coverage to pay for injury or property damage to others in the event of an accident. Minimum coverage, however, won’t help you recuperate your losses if your car is damaged in an accident. By obtaining collision coverage from Safechoice Insurance Agency in Rochester, MN, you ensure your vehicle is protected in the event of an accident, regardless of who was at fault. Here are just a few ways collision insurance can be of benefit to Minnesota drivers.

Protection from Accidents You Cause 

Even careful drivers can find themselves involved in an accident that causes damage to their vehicle. With collision coverage, your insurer will pay for repairs to your vehicle, even if the accident was your fault. After you pay the deductible, your collision insurance will take care of the rest. If repair costs exceed the market value of your vehicle, your insurer may “total” the car and reimburse you for its market value, making it possible for you to replace your vehicle.  

Protection from Accidents Caused by Others

Collision coverage will protect you from accidents caused by other drivers by covering the cost of auto repairs without raising your premium. This way you don’t have to wait for the other driver’s insurance company to settle the claim. Your insurer will then seek reimbursement from the insurance carrier of the driver at fault of the accident.   

If you own a new or costly vehicle, it only makes sense to obtain collision coverage to protect your investment. Even older, reliable vehicles with high market value can benefit from what collision coverage has to offer. With collision coverage, you can have greater confidence that you are protected from accidents.  

At Safechoice Insurance Agency, Rochester, MN, we can help you make wise decisions concerning the auto insurance coverage you need.