When it comes to your RV, so much excitement is involved with you thinking about traveling and seeing various areas throughout the nation. With so much excitement and fantasizing, it can be easy to neglect or forget about insurance for your RV until the last minute. In many cases, RV, camper, or motorhome owners may assume that this vehicle is covered under their auto or even home insurance. However, this is usually not true, and as result, these people will not be insured.

In this case, RV insurance is required, and it is vital to know myths concerning RV insurance. The following includes those myths: 

• My auto or home insurance covers my RV, camper, or motorhome. 

While there is coverage that is similar to an automobile, there is specialized coverage required for amenities, such as a kitchen, and a bathroom, like a home, and vice versa. 

• RV insurance covers the total RV from bumper-to-bumper. 

This may or may not be true depending on the type of RV insurance coverage you have. 

• My motorhome is covered through my travel trailer coverage. 

This type of coverage is not enough for motorhomes. 

• Every RV insurance policy is identical. 

No two policies are identical. There are various options available. The type of RV determines the RV insurance type needed, and there are different policies for an RV than there is a motorhome, for instance. 

Conclusion

These are many of the myths about RV insurance, and these and other myths can cost you if you have a motorhome, camper, or RV. For more information about RV insurance, contact Safechoice Insurance Agency today. Located in Rochester, MN, Safechoice Insurance Agency has been providing amazing insurance products for people in Rochester, MN, and surrounding areas for approximately 20 years now. You will be in good hands with them, so contact them today!

If you’re in the Rochester, MN area you probably already know there are a lot of great places to take your ATV. But do you also know that ATV insurance is a good idea? It can protect your ATV and give you more peace of mind when you’re out riding around having fun. It also helps to cover you when your ATV is parked, too, so you have less to worry about and can focus on the enjoyable things about owning an ATV. Whether you go out alone or take family or friends with you, Safechoice Insurance Agency can help with your coverage needs.

Your ATV needs different protection than you’d have for an on-road vehicle like your car, truck, or SUV. But that doesn’t mean you have to skimp on coverage or there aren’t any options for you. Our dedicated and professional agents can help you find the policy that’s just right for your individual needs. Don’t settle for less than you deserve, when you can get a quality policy you can rely on. We’re happy to answer any questions you may have about ATV policies, so you can make an informed choice you feel good about.

Safechoice Insurance Agency wants to help customers in and around the Rochester, MN area with their insurance needs, and we’d love to add you to that list. Reach out to us today with your questions about ATV insurance, so you can get the policy that’s right for you. No matter how many ATVs you have or what kind of riding experience you’ve got, we can help you locate a policy that will protect your ATV and help you get back to enjoying it and all the adventures you can have off-road. There’s plenty to explore, and we’ll be here to help you feel comfortable heading out to see the area.

If you have toys like ATVs, side-by-side off-road vehicles, snowmobiles, and more, you might want to consider toy insurance to protect them. If you’re in the Rochester, MN area, Safechoice Insurance Agency can help you get those vehicles covered. Then you can get back to enjoying them and playing outdoors no matter what the weather. Whether it’s hot outside or there’s snow on the ground, there are always fun ways to enjoy the seasons. But that’s harder to do when you’re worried about your insurance coverage. With the right policies, you won’t have those concerns anymore and you can get back to having fun.

Unlike a standard vehicle, toys are usually used off-road and can sometimes get a little banged up just from the typical ways they’re used. But that doesn’t mean you can’t protect them from the big stuff, like theft and serious damage. With the right insurance policy, you’ll have protection and peace of mind so you can take your toys out and play when you want or when the weather’s right. Our agents are here to help you find what you’re looking for. When you have questions about insurance policies, asking a knowledgeable agent is the right thing to do.

Get in touch with us today at Safechoice Insurance Agency. If you’re in or around the Rochester, MN area and need toy insurance, we can help. Our trained professionals will ask questions about your needs and how you use your toys, so we can find the best policies for your particular situation and lifestyle. That way you’ll not only have the coverage you want, but you’ll feel confident that you’ve got an agent on your side if you need to make changes in the future. As your needs and goals change, we’ll be here for you.

Anyone that lives in the Rochester, MN area is going to have a lot of different insurance needs. One important form of insurance that all people should consider getting is life insurance. There are several reasons why you should get a life insurance policy when you are in this area of Minnesota. 

Life Insurance Can Be a Financial Investment

One reason that people should get a life insurance policy is that it could be a good financial investment. Anyone that is planning for a financial future needs to have a mix of different investments in their portfolio. If you get a whole life insurance policy, it could be a good addition to your overall plan. When you get whole life insurance, a portion of your monthly payment will accrue in an account that you could liquidate in the future. Further, this account will grow with interest and is very low risk. 

Life Insurance Provides Important Protection to Dependants

The main reason that most people get life insurance is that it will give valuable financial protection to their dependants. When you have people in your life that rely on you and your income, you will want to ensure that they are covered if you were to pass away. With a life insurance plan, you can build a policy that will give coverage that they need to ensure they are able to remain financially cared for.

Getting life insurance in Rochester, MN continues to be very important. When you do want a new plan here, you should speak with the team at Safechoice Insurance Agency. If you do call Safechoice Insurance Agency, you can learn more about the different options that are at your disposal. They can then help you build a policy that provides the necessary protections. 

Based in Rochester, MN, Safechoice Insurance Agency offers multiple types of insurance policies to residents. We assist our clients in exploring their options so that they can make the best decision possible. We strive to offer a first-class service.

Why Workers Compensation Is An Asset

As a Rochester, MN business owner, you are aware that operating a business comes with substantial risks. Commercial insurance helps you navigate those risks and protect your business. One of the most important parts of your policy is worker’s compensation. Worker’s compensation covers your business if one of your employees is injured in the workplace. Not only does worker’s compensation protect your business, but it also shows that you value your employees because they are covered if something happens to them. This can be a very positive recruiting tool when searching for new talent.

In addition to emergency treatment following the injury, the policy also covers any rehabilitation that your employee may need. This includes taking different types of prescriptions and/or physical therapy. If the injuries sustained are serious enough, your employee has the option to learn a new skill on the job in order to continue their employment.

If your business periodically sends employees out of the state to perform tasks, you can adjust your worker’s compensation policy in order to plan for an accident occurring. You’ll also have to amend your policy if you hired some temporary employees. Temporary employees are not traditionally covered through worker’s compensation if they are injured. However, you can amend your policy to protect your business if one of your temporary employees is injured in the workplace. Regardless of the issue, worker’s compensation allows you to protect your business and take care of your employees.

Safechoice Insurance Agency Will Help You Protect Your Investment

For more information on commercial insurance, visit our website today!

Anyone that lives in the Rochester, MN area is going to need to have a mode of transportation in order to get around the city. One form of transportation that can be fun to drive and be very efficient is a motorcycle. When you get a motorcycle here, you also need to carefully consider your insurance needs. Getting a full motorcycle insurance policy could provide someone with a range of benefits. 

Provides Coverage for Asset

One of the reasons that you should get a motorcycle insurance policy is that it can give you coverage for your asset. Buying a motorcycle is a big purchase and investment that you should protect as well as you can. One of the best ways that you can do this is by getting motorcycle insurance. When you get this type of insurance with collision and comprehensive coverage, you can be protected from almost any situation that could result in a loss. 

Gives Liability Protection

Another reason that you should get a motorcycle insurance policy is that it can give you valuable liability protection. If you cause an accident that results in damages, you will be responsible for covering them. If you get a full motorcycle insurance policy, it will include liability protection. This could prove to be extremely valuable if you are at fault in an accident. 

When you are looking for insurance for your motorcycle in the Rochester, MN area, you should call Safechoice Insurance Agency. Having motorcycle insurance is very important and picking the right policy can be confusing. For those that have questions or want guidance, Safechoice Insurance Agency is a great resource. The team here is able to carefully assess your situation to make sure that you are fully covered at all times with an appropriate policy. 

RV insurance provides protection for your recreational vehicle. This can include everything from travel trailers, small campers, fifth-wheel trailers, and truck campers. RV insurance acts much like your auto insurance policy. However, RV insurance also offers many protections found in a home owner’s policy. Here are some important points you should know before purchasing your first RV insurance in the Rochester, MN area. 

Is RV Insurance Required? 

Minnesota law states if you drive an RV vehicle, on the road, then you are required to have RV insurance. While there are no insurance requirements for towing an RV in the state of Minnesota, it is highly recommended that you get coverage. This can protect your RV in case of an accident. 

What is Covered in RV Insurance? 

RV insurance covers your vehicle much like auto insurance. However, RV insurance goes a step further by also covering the living spaces inside the RV as well as the personal belongings inside the RV. If you would like to cover the attachments to your RV, such as antennas and awnings, then you will want to get Attachment Coverage with your RV insurance policy. Other additional coverage includes Pet InJurt coverage in case your pet is injured during an accident. 

Full-Time and Part-Time RV Coverage 

There are two general types of RV insurance coverage. if you are planning to live in your RV full time, then you will want to get full-time RV coverage. if you are only planning to use your RV part of the time, then you will want to get part-time RV coverage. Safechoice Insurance Agency is able to provide both full-time and part-time RV coverage policies.

Getting RV Insurance in Rochester MN

If you are looking for RV insurance coverage in the Rochester, MN area, then you will want to consider Safechoice Insurance Agency. They have a full range of RV insurance coverage for both full-time and part-time RV users. 

Based in Rochester, MN, Safechoice Insurance Agency offers residents multiple types of insurance policies. We are committed to providing our clients with first-class service while we help them find the insurance coverage that they need. As an independent insurance agency, we are able to provide our clients with an assortment of options to help them make informed choices.

Toy Insurance

If you have valuable items besides your home and vehicle, toy insurance can be a major asset. Perhaps you own an ATV or a snowmobile that you like to use during those cold Rochester MN winters. Toy insurance allows you to protect these valuable items. The policy covers you in the event that your valuable items are damaged or stolen. The policy also protects you in the event that your items are damaged in a natural disaster such as a fire.  The policy covers different types of land vehicles such as RVs, trailers, and motorcycles. You can also cover any watercraft vehicles that you own, including sailboats. If you use any of these valuable items on a regular basis, then you should consider the benefits of toy insurance.

Toy insurance allows you to protect your investment. The policy also covers your items in the event of a mechanical breakdown. You will be able to receive emergency roadside assistance so that you will not be stuck or stranded. You’ll also be covered in the event that you are involved in an accident in which you may be held liable. You can amend your policy to include liability protection in the event that someone is injured while they are riding on your vehicle.

Consult With Safechoice Insurance Agency

For more information about how we can help you protect your valuable toys, visit our website today!