Toy collecting deserves broad and dedicated insurance coverage, as the scope entails diverse nature, and many are reasonably priced. Knowing that their most valuable items are mitigated against various risks, residents of Minnesota can breathe relief. They enjoy great satisfaction and peace of mind. Safechoice Insurance Agency is dedicated to offering the residents of Rochester a unique solution to their toy insurance needs.

At Safechoice Insurance Agency in Rochester, MN, we understand the importance and recognize the worth of your toy vehicles, and our coverage mitigates anything beyond your control. Among the risks we cover include:

• Burglaries and Theft
• Accidental Breakage
• Natural Disasters and earthquake damage
• Fire and Smoke damage
• Floods damage
• Mysterious Disappearance and malicious damage
• Damage or loss on transit

Benefits and Features Provided by Safechoice Insurance Agency under Toy Insurance

• Broad policy coverage– We insure your toy vehicles from damages accrued to fire, theft, accidental breakage, flood, earthquakes, hurricane, and much more.
• Inflation Coverage– The worth of your collection today might be different tomorrow due to inflation. To reduce such risks, we increase the value of your toy collection’s scheduled valuables. We automatically add new toy vehicles up to a specified value with adequate notice.
• Collectors Choice– Our policy provides a clause for extra coverage for items used during special occasions and those stored off-site.
• Agreed Value Mitigation– Some toy collections that qualify as antique and vintage toy vehicles are covered for their full value minus any deductibles.
• Personal Service– We offer unmatched service and promptly address your queries and concerns.

Under Toy Insurance, We Cover:

• Recreational vehicles, pop-up campers, or trailers– This cover varies depending on whether the RV has a cab and engine; your toy vehicle tows the pop-up camper or trailer.
• Off-Road vehicles- vehicles such as ATVs, golf carts, dirt bikes, snowmobiles, and sand buggies are also included in our policies.
• Small boats– Small watercraft are too small and do not qualify for boat insurance.

Don’t hesitate to contact us at Safechoice Insurance Agency for more information on cover specifics in Rochester, MN.

When you own a business in Minnesota, it’s crucial to have the types of commercial insurance required by law and other types that will also be helpful. Two types are required for many businesses in the state, and you need to know what they are and how they may apply to your company. Contact us at Safechoice Insurance Agency in Rochester, MN when you need commercial insurance.

Workers’ Compensation Insurance

When a business has employees, it’s important to have workers’ compensation insurance. This coverage protects your business if you have an employee injured on the job. The insurance pays for their lost wages, medical expenses, and other expenses. This protects your business from paying those claims and possibly suffering financial hardship. In Minnesota, all companies with employees, even if it’s only one, need this coverage in place. Sole proprietors, as are corporate officers and partners, are exempt from this requirement. 

Commercial Auto Insurance

If your business owns any vehicle or vehicles, they must each be covered by a commercial auto insurance policy. Many coverage types are mandatory as a part of this insurance. This insurance pays for the costs associated with accidents that a work vehicle gets into. A specific minimum amount of coverage is required for bodily injury liability for one injured person. There is a higher amount of bodily injury liability coverage required for all the people who are injured in an accident. There is another minimum amount needed for property damage liability. In addition, personal injury protection coverage is required to pay for your medical bills. There are also two amounts of coverage required for uninsured motorist coverage. 

Cover Your Business

Call Safechoice Insurance Agency in Rochester, MN to get your commercial insurance policies. 

 

 

You might be surprised to learn that there is no maximum age for life insurance. As an older person, your ability to get coverage will vary from one company to the next. Age does affect life insurance. Age impacts your premiums and your rate. Typically, life insurance companies won’t insure people older than seventy-five or eighty, but some may. Many companies will still issue a life insurance policy to an older person, although there may be limits on the options and benefits available. Safechoice Insurance Agency is committed to taking the confusion out of life insurance for Rochester, MN residents.

Life Insurance for Older People

Many people choose to invest in life insurance or acquire more life insurance at an advanced age. Some people decide to invest later in life to pay for end-of-life expenses or burial. They may also want to leave money for their children or grandchildren. It’s still possible to acquire life insurance at an advanced age. Of course, you’ll pay more being an older person than you would if you were younger.

You Have Options

Your health, pre-existing conditions, finances, and health usually determine the kind of life insurance you invest in. Term life insurance may be more attractive to people concerned with final expenses. A whole life insurance policy may be more attractive to someone who doesn’t want their policy to expire only to end up shopping for another one. Our team at Safechoice Insurance Agency can explain your options and help you choose a life insurance policy that meets your needs. 

There is no perfect age to invest in life insurance. However, there are factors that age will affect life insurance. An older person usually pays higher premiums and has fewer options. However, getting life insurance that meets your need is still possible. Call us. We’re here to help you understand the benefits of life insurance and the options available to you. 

Safechoice Insurance Agency, serving the greater Rochester, MN area, can help you with your health insurance policies. However, one of the things that our agents have noticed is that many people have no idea what factors they should be considering as they go about buying health insurance. Here are three crucial things to keep in mind when selecting a policy. 

Which Providers and Hospitals Are In the Provider Network

When looking at health insurance policies, one of the first things to consider when looking at health insurance policies is which providers and hospitals are considered in-network. This is important if you want to keep treating with the medical professionals who may already be caring for you or if you want to use the hospital closest to your home. 

Deductibles, Co-Pays, and Premiums

When shopping for a health insurance policy, always take the time to learn the meaning of deductibles, co-pays, and premiums. Many people use these words interchangeably, but they all have different definitions. You need to consider each of these factors as you shop for a health insurance policy. 

What Is and Is Not Covered

Finally, take the time to learn what is covered by the health insurance policy and what may not. For example, one policy may cover prescriptions while another may not. Learning what is and is not covered helps you budget and find a health insurance policy that covers what you need to be covered. 

Here at Safechoice Insurance Agency, serving the greater Rochester, MN area, we can help you find an ideal insurance policy for your needs or your family’s needs. Reach out to us today and let one of our agents answer any questions you have and help you select a new health insurance policy that meets your needs. 

Safechoice Insurance Agency, serving the greater Rochester, MN area, knows that the term toy insurance policy can be confusing. Most people hear this term and think that this type of policy is designed to cover children’s toys or even collectible toys. However, this term refers to toy vehicles. Here are a few vehicle types that are typically covered under toy insurance policies. 

Off-Road Vehicles

Off-road vehicles are the most common type of vehicle to be covered under toy insurance policies. Toy insurance policies can cover off-road vehicles such as golf carts, ATVs, UTVs, sand buggies, dirt bikes, and snowmobiles. In addition to covering the toy itself, the policy may also cover the trailers or towing equipment you use to transport the various types of toys you have. 

Recreational Vehicles, Trailers, and Pop-Ups

Another type of vehicle typically covered under toy insurance policies is recreational vehicles, trailers, or pop-up campers. The toy insurance policy you may need can vary based on whether your vehicle tows the trailer or pop-up camper or whether the RV has an engine and cab and functions on its own. 

Watercraft

Lastly, many small types of watercraft can be covered under toy insurance policies. This may include boats that are too small or do not meet the requirements for boat insurance, such as kayaks, or personal watercraft, such as jet skis. 

Are you looking to purchase a toy insurance policy in the greater Rochester, MN area? Safechoice Insurance Agency can work with you to ensure that all of your toys have insurance coverage. Reach out to us today to obtain an estimate or begin the process of insuring your toys. 

Residents in the Rochester, MN area will always have different insurance needs. A type of coverage that should always be considered is life insurance. This type of coverage can provide a benefit to the dependents of the policyholder. There are various reasons that the typical person in this part of Minnesota will need to have a life insurance policy in place. 

Ensure Dependents Have Financial Protection

An important reason for anyone to have a life insurance plan is to ensure their dependents have financial protection. When you have people that rely on you for income and living expenses, it is important that you provide them with the necessary protection. With life insurance, you have the ability to build a plan that has a policy level and term that offers this coverage. This can provide necessary financial assurances and peace of mind. 

Alternative Investment Option 

When you are looking to prepare for your future, having a strong mix of investments is very important. A form of investment that many people do not consider is life insurance. With a whole life insurance plan, a portion of each payment made will lead to an accumulation of cash in a low-risk investment account. Over time, this will build up to a large sum of money that is liquid and can be accessed at will. You also can use it to collateralize various types of loans. 

As you are looking to get a life insurance plan in the Rochester, MN area, it continues to be important that you get proper coverage. With so many choices to make, calling the team with Safechoice Insurance Agency is a good option. The professionals with the Safechoice Insurance Agency can ensure you remain covered and have the support that you need to pick a plan that will give you the right coverage.