Do You Need Home Insurance in Minnesota?

If you own a home, you will want to protect it in any way you can. One way is to have home insurance in place but are you required to have home insurance in Minnesota? The staff at the Safechoice Insurance Agency in Rochester, MN can help you with all of your home insurance needs and understand the requirements of home insurance.

In Minnesota, you are not required under the law to carry a home insurance policy as a homeowner but it sure is a good idea. You are required to have a home insurance policy if it is part of your agreement with your mortgage lender and you still owe money on your home. They want to protect their investment in your property the same as you should want to cover it, even if your home is paid off.

One of the largest Investments that most of us will make in our lifetimes is the purchase of our homes which means you will want to protect it from any horrible disaster that may occur but what are your options when it comes to home insurance?

Home Insurance Coverage Options

Most home insurance policies will cover the structure of your home, along with any outbuildings and other structures, such as a deck or garage if your home is demolished or damaged by a fire, vandalism, or a natural disaster.  Your home insurance policy will help you to rebuild your home or repair it.

Your home insurance coverage will also cover your household items, such as furniture and appliances, as well as your personal belongings, if an incident occurs or if your home is burglarized.

You will want to check with your home insurance agent to determine if you need extra home insurance coverages, such as flood insurance or earthquake insurance.

To determine the correct amount of home insurance coverage for your situation, you will need to enlist the assistance of an experienced and trusted home insurance agent like the agents at the Safechoice Insurance Agency in Rochester, MN. They are ready to assist you today!

Who should get an auto insurance plan in Rochester?

Those that are in the Rochester, MN area will almost always be better off owning a vehicle. If you are a vehicle owner when you are here, getting a proper insurance plan is very important. There are a few reasons why everyone in this area of the state should consider getting auto insurance coverage when in the Rochester area. 

Coverage is a Standard Requirement

A good reason to get an auto insurance plan here is that it could be a requirement for you. If you want to drive a car on a public road in Minnesota, you will be obligated to carry liability coverage to comply with the state’s minimum requirements. Further, if you have a loan outstanding, you likely will be required to carry a full comprehensive insurance plan at all times. 

Coverage Protects Asset

You should also get coverage for your vehicle to protect your asset. Those that purchase a car will want to enjoy it for a long time. A good way to ensure this can happen is by getting a full auto insurance plan. If you do maintain a full comprehensive insurance plan at all times, you will have coverage that can mitigate many risks including the risk of theft or damage. 

People that are in the Rochester, MN area and want to be vehicle owners need to ensure they carefully evaluate their insurance needs. As you are looking for a new plan in the area, calling Safechoice Insurance Agency is always a good decision. There are plenty of choices that need to be made when looking for coverage and Safechoice Insurance Agency can make it easier for you. The team here can offer you great support and guidance that will help you determine your needs and evaluate your options. 

Benefits of Taking a Motorcycle Safety Course

There are many accidents on the road involving motorcycles that could have been avoided. These accidents could be avoided by both the car driver and the motorcyclist practicing safe driving techniques. Taking a motorcycle safety course in Rochester, MN can help ensure you practice safe driving habits when driving with other drivers. After your motorcycle safety course, reach out to the experts at Safechoice Insurance Agency to discuss the motorcycle insurance coverage options available.

What Are the Benefits of Taking a Motorcycle Safety Course? 

Learning how to properly ride a motorcycle and surviving the concrete jungle highway is the most significant benefit of taking a motorcycle safety course. In addition, taking a motorcycle safety course reduces your risk of crashing because you learned how to notice potential accidents sooner and how to maneuver away from a possible accident.

What is a Motorcycle Safety Course?

Motorcycle safety courses offer riders a specific training program to help keep them safe on the road. These classes teach basic riding skills, skill enhancements, safety steps, and defensive maneuvers. In addition, classes help inexperienced drivers and experienced drivers improve their riding skills through hands-on, classroom, and online lessons.

Why Should You Enroll in a Motorcycle Safety Course? 

A motorcycle safety course helps newbies learn riding skills, and experienced riders refresh and improve their skills. Learning, refreshing, and improving your riding skills are just some of the many reasons why you should enroll in a motorcycle safety course. 

How Much Does a Motorcycle Safety Course Cost? 

There is no easy answer to this question; however, on average, motorcycle safety courses cost between $125 and $250, and sometimes more. Things affecting the cost are location, school, and level of safety course. 

Those in Rochester, MN, wanting to take a motorcycle safety course need to contact a local school to learn more. Then, when ready to ride the open road, give a call to Safechoice Insurance Agency to discuss motorcycle insurance options. 

Types of RV Insurance

If you are looking to buy an RV in the Rochester, MN, area, it is crucial to understand the different types of coverage so you can find the policy that works best for you. Whether you use your RV part time or live in it full time, it is mandatory to have RV insurance in Minnesota. However, there are different types of insurance you can purchase depending on your specific situation. There are four types of basic RV insurance for both your RV and related vehicles called Liability, Uninsured/Underinsured, Collision, & Comprehensive.

Liability Coverage

Liability is the most essential coverage you can purchase for your RV. While it does not protect you, your family, or your vehicle, it ensures you are legally protected from damages or injuries you may cause to others. Liability coverage is required for either motor homes or the vehicle towing your RV.


If you were to get in an accident with an uninsured or underinsured driver, this coverage will protect you and your vehicle from the cost of damages or injury. This is essential when someone doesn’t have enough coverage to cover your claim.

Collision Coverage

Collision coverage will cover repair costs to your RV due to an accident regardless of who was at fault. Collision coverage protects against accidents with another vehicle or objects such as a telephone pole, fence, or house.

Comprehensive Coverage

Comprehensive coverage protects your RV from any damage that is not covered by collision. Depending on your policy, comprehensive coverage can cover damages from natural disasters, accidental damage, theft, vandalism, collision with an animal, and more.

To learn more about insurance coverage for your RV, contact the offices at Safechoice Insurance Agency in Rochester, MN.

What comes with ATV insurance in Minnesota?

If you are in Rochester, MN and want to enjoy the area as much as possible, finding a way to stay active in the outdoors is very important. One way you can ensure that you are able to have a lot of fun here is by getting your own ATV, which will allow you to have some fun and excitement on trails all over Minnesota. Along with your ATV, it is important that you get a proper insurance plan. An ATV insurance plan comes with several types of coverage. 

Protection for the ATV

A reason people will want to get an ATV is so they can enjoy it for a long time. A way you can increase the chances of this happening is by getting insurance for it. With an ATV plan, you will have the support you need to replace the ATV if it is damaged or stolen.

Liability Support

An ATV owner will take on liability risk whenever they operate it. If you cause an accident that results in damage, you will be responsible to cover the damage. Since this can be significant in some cases, you will want protection against this risk. If you carry an ATV insurance plan, you will get the protection you need to reduce and mitigate your liability risk. 

Picking an ATV insurance plan in the Rochester, MN area is always an important decision. Due to this, it is important that you receive the support you need to choose the best plan possible. The team with Safechoice Insurance Agency is always a good group to call when you are choosing a new plan. The insurance professionals with Safechoice Insurance Agency understand the value of quality insurance and can help you build a plan that will properly protect your ATV.

What to consider when purchasing toy insurance?

Adults have toys, and these toys are often more expensive than the ones we remember having as children. It makes sense to consider insuring these toys. Toy insurance is supplementary insurance when auto and homeowner’s insurance is not sufficient. Safechoice Insurance Agency serving the Rochester, MN area asks you to consider the following when researching whether you need toy insurance:

  • Is my toy valuable? Toy insurance has two main categories – luxury and recreational.
  • Is there any chance that your toy could become lost or damaged? Sometimes we are a bit more careless when having fun.
  • Is there any chance that your toy could get stolen? Certain types of toys are not easy to secure on our property. It may also be that they cannot be stored there.
  • Will other people use my toys, or is it possible that I will have passengers? That opens you up to the possibility of liability. When you share your toys, it is vital that you have cover if you are hurt, or if someone else gets hurt.
  • Will my toy be leaving my property at any time? That opens you up to a whole host of risks that you need to think about.
  • If something happens to my toys, will there be extra charges for wreckage or recovery not covered by my more traditional insurance?

If you answered yes to any of the questions above, then toy insurance is not just a good idea, it’s a necessity for you. Rochester, MN is a great place for recreational activities and the toys that improve these experiences deserve to be insured by a company like SafeChoice Insurance Agency – we can help you understand your needs, so speak to us today!

Should we get a life insurance plan in Rochester?

Those that reside in or around Rochester, MN will need to have a few different forms of insurance. For many, a very important form of coverage to get is life insurance due to the advantages it provides. There are a few reasons that people in this area should get a full life insurance plan. 

Provide Financial Protection for Dependents

A common reason people in this area of Minnesota will want to have a life insurance plan is so they can provide financial protection to those that they care about. Those that have dependents and others that rely on their income should do their best to ensure they are providing them with continued financial protection. If you have a life insurance plan in place, you will be able to build a policy to ensure your dependent’s future financial costs are covered and protected.

Additional Investment Alternative

You should also get a life insurance plan to provide yourself with an additional investment option. Those that are going to get a whole life insurance policy will benefit as some of their monthly payment will go into an account that grows with value. This is a great option as the account can eventually be turned into cash and used for any reason that you want, which makes it a conservative investment to add to your overall portfolio. 

As you are looking for a life insurance plan in the Rochester, MN area, it would be helpful for you to call Safechoice Insurance Agency. There are a lot of choices that need to be made when looking for a new policy. The team with Safechoice Insurance Agency will give the support needed to understand the different options that you have and help you build an ideal insurance plan. 

What is a Business Owners Policy (BOP)?

Understanding the fundamentals of a business owner’s policy is essential if you are an entrepreneur based in Rochester, MN. Safechoice Insurance Agency has made a reputable name in the region, offering business owners excellent insurance services. The policy covers several liabilities under one umbrella. Among them, they include commercial property coverage and business revenue insurance, among several others.

Perhaps you are opening a new business, and you do not have a clue about a BOP. It is advisable to learn the primary features and know if you need them according to your business setup. Here are factors that can educate you on matters related to a business owner’s policy.

An introduction to BOP

The policy safeguards your business from misfortunes that may occur. It extends to specific limits in varying situations. It features a general liability policy and commercial property insurance. 

The general liability policy takes care of several claims from varying industries. It covers issues like marketing liability, copyright matters, third-party injuries, and third-party destruction, to mention a few. It is fit for your business if you intend to engage advertisement agencies.

Commercial property policy safeguards your company from physical destruction triggered by natural calamities such as explosions, fire, floods, and lightning, to mention a few. The insurance covers your building, business equipment, signage, landscaping, and inventory, among others. However, the coverage does not include wealth located away from your business premises.

Who Needs to Purchase BOP Insurance?

The policy is decent for small startups in most cases. If your company hosts less than 100 workers, then BOP is the way to go. However, the annual revenue should not exceed $5 million if you chose the option. Your insurance agency should advise you on the best approach when purchasing BOP insurance for your new business.

Contact Safechoice Insurance Agency today by visiting our website to get the deal of a lifetime in Rochester, MN.

How Often Should You Update Your Home Insurance Policy?

Most homeowners in Rochester, MN, and other parts of America take home insurance when buying their home with a mortgage. However, once they get their policy in place, they never give it a second thought until disaster strikes. 

Home insurance isn’t a “buy and forget” investment. You should update it to cover your current situation. Otherwise, you might find yourself incurring significant out-of-pocket expenses when disaster strikes. Are you unsure when you should be updating your home insurance policy? Hang on as Safechoice Insurance Agency shares tips. 

When you make significant improvements

Insurance experts advise that you should adjust your home insurance plan every time you make significant additions to your house. An added kitchen? An enhanced bathroom? Your home insurance should reflect these changes since they add to the value of your home. In case of a disaster, your house would be expensive to rebuild due to these additions. Without adequate home insurance, you may have to fork out the repairs of your additions from your pocket.

When your home value increases

If you insured your home when it cost, let say, $550,000, and now it’s valued at $1M, it’s a smart choice to adjust your home insurance plan since the cost of rebuilding your house today will have increased. While you won’t use the $1M figure, you should adjust your home’s value to what it would cost if it were rebuilt from scratch today. 

When you make alterations that increase your liability

Have you added an in-ground swimming pool? Have you added a second floor to your home? These home improvements increase the chances of a guest in your home suffering injuries. And because you might be liable for injuries they suffer when they are in your house, you need to boost your liability coverage to cover medical expenses and possible legal suits.

Need more information on home insurance? Would you like to know whether your home insurance covers you sufficiently? Please contact Safechoice Insurance Agency of Rochester, MN, for more home insurance tips. 

Minnesota Car Insurance: What to Do After Car Theft

When your vehicle has been stolen, it’s normal to feel overwhelmed or feel like you don’t know what you need to do. The most obvious responses are to first call the police and then call your insurance company. If it hasn’t happened yet, you can prepare yourself with your car insurance ahead of time. 

At Safechoice Insurance Agency, we want Rochester, MN to feel secure with their car insurance no matter what happens. 

Report the Stolen Vehicle

The first thing to do when you have a high-value asset stolen is to call the police. Do this before you call the insurance company because we will want to know the results of this call. When you can, get the police report number, and take as much information as you can for your next call, the insurance company.

After you have reported the stolen car to the police, call the insurance company. A claim advisor will help you with your claim. In many cases, you may need to wait 5 to 7 days for your claim to be processed. We will want to see if the police recover your vehicle or not.

Will Insurance Cover a Stolen Car?

Your car insurance will cover a stolen car if you have comprehensive insurance. It will replace stolen vehicles, stolen parts from vehicles, and damage to your vehicle after vandalism or other crime.

If you have personal belongings in the car, that will be covered by renters insurance or home insurance. This is one reason it is always easier to bundle your insurance policies with the same company.

Get a Quote

When your car gets stolen, this is a major crisis in your life. Safechoice Insurance Agency wants the people of Rochester, MN to feel secure before that happens, and when it happens. Call us for a free quote or to update your comprehensive coverage today.