Author: AgentInsure

Avoid Motorcycle Deer Crashes in Rochester

Posted on by AgentInsure

During the fall, many motorcycle enthusiasts like to take to the open roads in Rochester, Minnesota and enjoy the cool, crisp autumn weather. Although motorcycle riders need to be constantly aware of their surroundings, one particular hazard to watch out for is deer. In motorcycle crashes involving deer, there is a significant risk of the accident proving fatal for both the rider and the animal.

Basic Road Safety

Watching out for deer at all times while riding a motorcycle is a good idea, but be particular mindful at dawn and dusk. This is when deer activity is at its peak and the animals are more likely to run out onto the road. Since deer travel together, don’t assume if you avoid colliding with one, you’re in the clear. Always keep watch for the deer’s companions. This is why it’s important to ride in a staggered formation if you’re traveling with a pack of motorcycles. If you see a deer crossing sign while riding, reduce your driving speed, cover your brake, and use your high-beam headlights as a precaution.

Unavoidable Collision

Brake firmly if you see a deer in your cross hairs in lieu of swerving. If your motorcycle isn’t stable, you are more likely to sustain a serious injury. If you have the time, flash your headlights at the deer in order to hopefully startle the animal enough to move out of your path. Revving your engine and honking your horn may help too, but you shouldn’t completely rely on this method.    

As part of staying safe during deer season in Rochester, Minnesota, you need to have the right level of insurance coverage for your motorcycle. Safechoice Insurance Agency provides quick and easy quotes on motorcycle insurance policies. The agents can let you know what policies have you covered in case of a collision with a deer.

What Home Liability Coverage Is Used For

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Home liability coverage is a part of homeowner’s insurance. You can choose what kind of limits you have within your policy – and every policy is a little different. It’s used in the event that someone accidentally hurts themselves on your property.

The most important thing to know about this coverage is that it is for accidents only. If there’s an intentional injury, you probably won’t be covered.

Accidents can include just about anything that happens on the property or in the home. It can be something along the lines of a dog bite, a slip on a frozen sidewalk, a trip down a flight of stairs, and much more.

You never know when an accident is going to occur and therefore you want the home liability coverage in place. If there’s a major accident, it’s best to have the coverage so it can be handled properly – and without costing you a fortune.

The coverage is going to be used to take care of the person who has been injured without charging you for everything out of pocket. It may provide coverage for:

  • Pain and suffering
  • Death benefits
  • Legal costs
  • Medical bills
  • Pain and suffering

When you buy an insurance policy for your home, you want to look at what the limit is. It can be advantageous to go above the minimum just in case there is an accident at your home. You can also choose optional coverage in the form of a personal umbrella liability, offering more financial protection.

At Safechoice Insurance Agency, we’re here to help you find the best home liability coverage for your home in Rochester, Minnesota. Call and talk to one of our agents today to begin getting quotes and have someone who can answer your questions.

 

 

Garage Sale Tips In MN

Posted on by AgentInsure

You want to have a great garage sale in Rochester, Minnesota and therefore there are some tips to follow. This will ensure that you maximize your time, market effectively, and earn more money.

Contact the Neighbors

Contact the neighbors to let them know that you are going to have a garage sale. If everyone decides to hold a sale on the same day, it can drive more traffic and allow you to sell more items.

Market Effectively

It is important to market effectively throughout Rochester. This means you will want to do a combination of marketing online and offline. Hang signs throughout the neighborhood, put an ad in the local newspaper, and create ads throughout various online forums. If you don’t market, people are never going to learn that you are even having a garage sale.

Price to Sell

Price everything to sell because you don’t want to bring it back into the house. Typical garage sale prices are a third to a quarter of the retail price. Anything more than that and people are likely going to walk away without even considering purchasing anything from you. Remember that many people like to haggle prices.

Donate Remaining

You have gone through the work of gathering everything that you don’t want. Donate the remaining items that don’t sell so that you don’t bring them back in the house. This will ensure that you remove the clutter from your home. Schedule a run to the donation center directly following the garage sale – or have a donation center pickup arranged, depending upon what your center offers and how much stuff you have to donate.

Call us at Safechoice Insurance Agency today to learn about homeowners insurance in Rochester. We work with some of the best insurance companies in Minnesota to get you affordable rates.

 

 

What To Do For Car Care In The Colder Months

Posted on by AgentInsure

When you live in Rochester, Minnesota, there are going to be a lot of weather concerns as you drive in the colder months. You may be dealing with snow, ice, sleet, and more. By preparing your car now, you can ensure that your car is ready for the winter. You will also be more comfortable as you drive.

Speaking of comfort, you want to make sure that the heating and ventilation within your car is working properly. This means you may want to bring your car in a shop to have the HVAC looked at. Interior comfort is important and you want to be warm as you drive around. It is also important that your defrosting system works as it should.

Have your tires looked at as well. You will want to check tire pressure as the weather starts to get colder. It is also a good idea to look at the tread to ensure that there is enough to grab the roads when there is ice and snow out there.

Colder weather can be hard on batteries and you will want to check the connections to make sure that they are clean and corrosion-free. It has been more than three years since you last replaced the battery, you may want to explore getting a new one.

You should also have your brakes checked as well. The last thing you want is to slide across the ice because your brakes are not in the best of conditions.

Call us at Safechoice Insurance Agency today and learn how we can help you find affordable auto insurance in Rochester, Minnesota. We can help you prepare for the fall months, answer questions you have about coverage, and obtain quotes on your behalf from some of the top insurance companies licensed to issue policies in the state.

 

Roommates and Renters Insurance – 3 Tips

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Having a roommate is a great way to cut expenses. But how does sharing an apartment or house with another person affect your insurance coverage? Here are three tips for understanding roommates and renters insurance.

Tip #1: Have the Discussion

It is important to discuss renters insurance with your roommate from the beginning and decide how to handle the process. Many people wrongly believe that only one of the tenants needs to have a policy in force for everybody in the household to be covered. It is also important to discuss the amount of coverage needed for both personal property and liability. By taking the time to make sure all parties have the right amount of insurance coverage, you can rest assured that you both will be taken care of if there is ever a claim.

Tip #2: Consider Separate Policies

Many renters insurance carriers allow two unrelated adults to be on one policy together. However, this can cause a problem if you every have a falling out or one roommate relocates. In addition, if two parties are on the same policy, they will both have to sign in order to cash any future claims checks. This is why it is important to consider having separate policies. This way, each roommate has adequate coverage to meet his or her needs without being completely tied to each other.

Tip #3: Understand What is Actually Covered

When it comes to roommate and renters insurance, it is important to understand what is actually covered. Instances where a bad roommate destroys or steals your personal property are often considered intentional acts—something that is usually excluded from coverage.

Learn more about renters insurance coverage and having a roommate. Contact our team at Safechoice Insurance Agency today for more details.

3 Facts About Renters Insurance You Might Not Know

Posted on by AgentInsure

Are you a little unsure as to whether or not you need to have a renters insurance policy? Many tenants wrongly skip coverage because they aren’t exactly knowledgeable what this type of policy entails. Here are three facts about renters insurance that you might not know.

It Covers a Wide Range of Scenarios

Many renters forget to think about the wide range of incidents that can happen at their new apartment. Of course, a fire breaking out or a thief breaking in are two of the most obvious scenarios. But what if your luggage is stolen while you are on vacation? Or the UPS guy trips over a rug at your home and becomes injured? What if your sweet dog suddenly becomes frightened and bites a visitor to your home? All of these incidents may be covered under your renters insurance policy.

It is Incredibly Affordable

Most tenants automatically assume that renters insurance is expensive to carry. The truth is that the average cost of a policy nationwide is between one and two hundred dollars per year or only a few dollars a month when divided up into payments. In addition, many auto insurance companies even offer a substantial discount for those who carry both types of policies with them. This makes the final cost to have both policy types together nearly the same as what you are currently paying for just auto insurance coverage alone.

(Note: Discounts and policy premiums vary depending on your personal circumstances. It is important to speak directly with your agent to determine whether or not you qualify for a lower rate.)

It Might Be a Requirement

Many business savvy landlords and property management companies are now requiring tenants to purchase renters insurance policies and show proof of coverage at the time they sign their leases. Why? They know that if an incident happens, many renters wrongly assume that their landlord will pick up the tab for damaged or stolen personal goods. By making sure these renters know that the landlord is not responsible for their items from the moment they move in, they can help fend off a future dispute that could even go as far as court.

The purpose of renters insurance is to be an additional layer of protection against the unexpected. By keeping these three facts in mind, you can now decide whether or not this type of coverage is right for you.

To learn more about renters insurance or to receive a no-obligation quote, please contact our knowledgeable team at Safechoice Insurance Agency today.

 

Extend the Life of Your Vehicle with These Easy Tips

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Keeping your car running smoothing requires regular attention to little details. You don’t need to be a mechanic or spend hours under your car’s hood to extend its life. You do, however, have to see to the little things: regular maintenance and proper insurance. Here are a few tips from Safechoice Insurance Agency on how to extend the life of your vehicle.

How To Keep Your Car Going

Cars are often retired to the scrapyard when there’s a major failure, such as a blown piston or dead transmission. These large issues arise when little details are neglected over weeks, months, and years. Taking a few simple steps can keep your car going strong. To extend the life of your car, take time to do the following:

  • keep your tires properly inflated
  • have your oil changed regularly
  • put up a sunshade when you park

The third tip, using a sunshade, is especially important during the afternoon. When the sun’s high in the sky, its rays will damage an interior, causing it to fade over time. A sunshade will reduce the damage that the sun causes to your car’s cabin.

How To Keep Yourself Insured

If you’re hoping to drive your car for thousands and thousands of miles, you’ll want to make sure you’re properly insured when you’re on the road. The level of auto insurance that you need will depend on your personal situation, driving habits, and your car. The best way to determine how much insurance you should carry is by talking with an independent insurance agent. An independent agent can compare the different policies that are available in Minnesota and help you choose the one that provides the best coverage at the lowest price.

If you live or own a car in Rochester, MN, Safechoice Insurance Agency can help you find an auto insurance policy. We have independent insurance agents who are ready to assist you. To speak with one, give our office a call.

 

What Is The Cost Of Health Insurance?

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With the affordable care act in place, many people want to know what the cost of health insurance is. When you live in Rochester, MN, there are various factors that go into the calculation of a policy for you and your family.

The Affordable Care Act has reduced the cost of health insurance for many people. If you have not been able to get group health coverage through an employer or association, you will want to look at an individual policy.

Some of the factors that go into a policy include:

-The insurance company you chose to work with
-The level of coverage wanted
-Pre-existing conditions
-Use of tobacco
-Age of insured

One of the best things to do is call and work with one of our independent insurance agents so we can talk to you more about what your options for health coverage are. No plan can exclude you from coverage if you have a pre-existing condition anymore and this is a good thing.

The cost of health insurance may be more expensive in Rochester than it is in other parts of the country, though it may also be more affordable. We will calculate the cost of insurance by getting quotes from multiple insurance companies. This will allow us to make comparisons and show you how changing some coverage can help to keep a policy affordable.

There are all sorts of options to help you obtain health insurance in Minnesota while making it affordable. Our goal is to help everyone get insured so you have the health protection needed.

Make the call today and let one of our agents work with you on health insurance. We can find a policy for you and the whole family and get quotes from multiple companies so you can compare more effectively.

 

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Affordable Health Insurance: How To Find A Policy

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When you’re looking for a health insurance policy in Rochester, MN, you have options. One of your top focuses should be on finding affordable coverage, but not to the point where you don’t have the needed protection.

You want to look at coverage in terms of your preventative care, sick care, and prescriptions. For example, if you have a pre-existing condition the insurance companies cannot deny you coverage. However, it may require a lot of prescriptions to keep the coverage under control and that is when you want to make sure prescriptions are going to be affordable.

If you cannot get under a group plan or a group plan is too expensive, you have the ability to go the individual route, and this can be arranged for families as well.

The best way to find a policy is to work with one of our independent insurance agents. The benefit to working with us is that we work with many of the top health insurance companies who are licensed in the state of Minnesota. We can tell you what they each offer and obtain quotes so you can focus on the overall affordability of a policy.

There are HMOs, PPOs, and health savings accounts to explore. Even within a single company, there could be various coverage levels. You will want to look at the overall cost for health insurance, not just the premium. This means looking at co-pays and deductibles to determine what your total out of pocket expense for healthcare is over the course of a year.

You don’t have to make any decisions on your own. We have educated agents to help you every step of the way. We can answer questions you have and obtain quotes to be able to make informed decisions about your healthcare coverage.

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The Versatility of Whole Life Insurance

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Most insurance is pretty straight forward. However, Whole life insurance offers more benefits than just paying in the event of the insured’s death. Whole life policies can build value through the years and that value can be tapped into for a variety of reasons.

Some young families will purchase a whole life policy for a child and use the value to help pay for college. Others will tap into the value of a whole life policy to help finance the down payment on a house or to take advantage of a business opportunity. It is a financial asset that can come in very handy in an emergency.

The cash value of a policy is also versatile in the fact that it can still provide coverage even if you have tapped into its value. Policy loans are available at attractive rates that allow you to borrow against it. If death would occur while the loan is still unpaid, the loan amount would be deducted from the proceeds.

Whole life insurance is a good choice for those who may have difficulty saving money. It provides valuable life insurance protection while having an element of “forced savings”.

If you live in the Rochester, MN area and are interested in learning more about the versatility of whole life insurance, contact us at Safechoice Insurance Agency. We are an independent insurance agency with access to multiple insurance providers. This gives us the opportunity to shop around for the best coverage at an excellent price. You can compare homeowners and auto insurance rates right online. Visit our website and answer a few questions to get your quote.

For life insurance questions and quotes contact us. Remember, one of the major factors in life insurance pricing is age, so it may never be cheaper. Contact Safechoice Insurance Agency.

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