Living in the Rochester, MN area can be a great experience. This city offers a good local economy and many outdoor recreational options, such as jet skiing in the summer and going snowmobiling in the winter. Because of this, getting a recreational toy is a very popular investment for many people in and around Rochester. When you do get one of these toys, you will want to make sure that it is properly covered by insurance. Your toy insurance policy will provide several different forms of coverage. 

Covers the Toy

While a recreational toy is something that is a lot of fun, it is also a big purchase and investment. Because of this, you need to make sure that you properly cover it with insurance. If you get a recreational toy insurance policy, you will receive coverage for a variety of issues that could result in a loss including accident damage, fire, and even theft. 

Provides Liability

You are taking on some liability risk whenever you take out your recreational toy. If your use of the toy leads to an accident that causes damage to another party, it could be considered your fault under the law. Your recreational toy insurance policy will provide you with valuable coverage for these situations in which you are found to be at fault. 

Whenever you are in the market for a new recreational toy or simply want to insure an existing one, you should call the Safechoice Insurance Agency. When you contact the Safechoice Insurance Agency, you will be able to get all of the advice and support that you need to choose the right policy. This company can help any Rochester, MN area consumers get into a policy that provides the right type and level of coverage for their recreational toy. 

Once you’ve decided to obtain a life insurance policy, the next step is choosing a beneficiary. You want to make sure your loved ones are well cared for in the event of your sudden demise. The following tips from Safechoice Insurance Agency in Rochester, MN can help you make wise decisions in this matter.

Immediate Family

If you have a spouse and/or children, they should be your first consideration as beneficiaries due to be your immediate family. Your spouse and children will be affected most financially if you were to suddenly pass on. Life benefits can help your family carry on after you’re gone. Life benefits can be used to pay off a mortgage or car loan, to cover school and medical needs or be put aside to help with your kids’ college expenses. You can have peace of mind knowing your loved ones have the financial support they need to live comfortably after you’re gone.  

Aging Parents

Like many adult children, you may be supporting your aging parents in their retirement. By naming your parents as beneficiaries, they can continue to receive this financial support after you’re gone. Life benefits can help meet your parents’ immediate needs in their golden years.  

Siblings

If you had plans to help younger siblings through college, life benefits can achieve this goal if you were to suddenly pass on. You could specify that a certain percentage of your benefits be designated for this cause. 

Charity

If you have no family, you could designate a favorite charity as your beneficiary to help those in need. This enables you to make a positive contribution to your community even after you’re gone. 

Life benefits can also be divided between various beneficiaries to help those you love.

To learn more about life insurance options, benefits and costs, contact Safechoice Insurance Agency in Rochester, MN. 

Many home businesses in Rochester, MN need two different types of commercial insurance. Home-based insurance is not a type of insurance itself but rather a collection of insurance types that businesses that operate out of the home may need. This will usually include general liability insurance and commercial property insurance. An agent at Safechoice Insurance Agency can help you figure out exactly what coverage your home business needs. 

Some homeowners policies can provide enough coverage for a home business if add-on coverage is made to the policy. However, a commercial policy is usually best to ensure your home business has full coverage. Some home business owners may benefit from purchasing a business owners policy since this will combine commercial general liability with commercial property insurance. 

You will need home-based insurance if you have business-related visitors, such as customers or clients, coming into your home. You also need it if you have business property such as computers, equipment, or inventory in the home. If you provide a service for a fee, such as bookkeeping, you may want to consider errors & omission insurance. If you have employees or other family members who work for your home-based business, you may also want to consider workers compensation insurance. 

Commercial liability insurance is the most basic liability coverage that will protect you from third-party property damage or injury claims. Commercial property insurance can protect your business equipment or inventory. Errors & omissions insurance can cover injuries or damages due to your negligence, mistakes, or bad advice. Workers compensation insurance covers any work-related injuries, wage replacement, and medical bills for your employees. A homeowners policy endorsement will add business coverage and higher limits to your existing homeowner’s insurance instead of getting a separate policy. 

Contact Safechoice Insurance Agency, serving Rochester, MN, to get a quote on commercial insurance.

Health insurance can take care of you and your family throughout the year. Whether you are sick, break a bone, or have another health concern, you can relax knowing that you are able to go to the doctor or emergency room. When you’re in Rochester, MN, you can rely on Safechoice Insurance Agency to help you compare plans in order to get the desired coverage at an affordable premium.

Understand What You Need

Before you can start to compare healthcare plans, you need to understand exactly what you need in order to cover you and your family. This includes understanding how much your out-of-pocket expenses will be regarding co-pays, deductibles, and monthly premiums.

You will want to look at whether you want to go to an in-network doctor or if you want to be able to visit any doctor or specialist that you wish. HMOs, PPOs, and health spending account all vary in terms of where you can go and whether you will need a referral or not.

By working with an insurance agent, you can learn about the various health insurance products, including the pros and cons of each.

Work with an Agent

In order to effectively compare health insurance plans, you will want to make sure that the products are similar. For example, if you are going to compare the cost of an HMO plan between multiple insurance companies, they need to offer the same level of care. By working with an independent insurance agent, you can make sure that you understand what each plan covers. Further, you can tap into all of the top insurance companies that provide coverage in Minnesota so that you can compare rates.

Contact us at Safechoice Insurance Agency today to begin working with one of our independent insurance agents. We will make sure that you have the comprehensive health insurance plan that you need in Rochester, MN.

 

 

Minnesota summers may be short, but we sure do make the most of them! If you are an ATV enthusiast, it’s time to make sure that your toy insurance provides sufficient coverage for your needs. The team at Safechoice Insurance Agency is here to assist residents in the greater Rochester, MN area with all of their toy insurance needs. We want you to enjoy your ATV this summer with the peace of mind that comes with knowing that both you and your vehicle are protected. 

Protect your ATV with toy insurance

ATVs are a lot of fun, but they are also a target of theft and damage. When you have the right toy insurance policy in place, you can enjoy your vehicle and protect yourself from loss. Any time you take your ATV out on the trails you understand how important it is to ride the vehicle in a responsible manner, but accidents do happen. When you have comprehensive toy insurance in place you are protecting yourself from personal liability in the event of injury, damage, or total loss. Many owners think that because they are riding on private property, they are not required to carry insurance. While this may be true in some cases, it is not always the right move. You will want to have protection in the event that an unwanted incident should occur, whether you are required by law to have it or not. It makes good common sense to have appropriate toy insurance. 

Are you thinking about getting an ATV this summer? Make sure that you have the appropriate toy insurance in place before you get out on the trails. The team at Safechoice Insurance Agency is here to meet all of your Rochester, MN area toy insurance needs.

The business that you create is probably one of the most important things in your life, which means it deserves to be rightly protected. Check out three of the primary components of the best commercial insurance policy. 

Property-Liability Insurance 

One of the most important forms of commercial insurance any business should have is property liability insurance. If something happens that causes someone to get hurt on your property, this insurance will step in and cover the costs of their damages. For example, say someone trips over a neglected piece of merchandise that has been left in the floor. They fall, get hurt, and you are responsible for paying for the damages. Your property liability insurance would help cover these costs so you don’t have to pay them out-of-pocket. 

Commercial Vehicle Insurance 

Commercial vehicle insurance is designed to protect the vehicles that you use to perform your business operation. Vehicles can range in form and type, from buses and taxis to company vehicles and mobile food trucks. Because these vehicles are part of your business operation, they must be protected with a higher level of insurance coverage than a basic auto insurance policy can provide. 

Property Insurance

In general terms, your commercial property insurance policy with Safechoice Insurance Agency in Rochester, MN will protect the tangible property of your business. Property insurance will include coverage for things like: 

• The business building you operate from 
• The business equipment that is in the building 
• The merchandise that is kept on the business property

In the event the business property is damaged, lost, or stolen, your property insurance would help cover the costs of replacement. 

The most comprehensive commercial insurance plan will have your business protected from every angle. If you would like more information about obtaining commercial insurance for your business in Rochester, MN, reach out to Safechoice Insurance Agency for advice. 

Life insurance in Rochester, MN is a necessity. It will protect your family after you are gone. From paying down debt to covering burial expenses and providing a cushion for your loved ones, life insurance will give you peace of mind knowing your family will be taken care of when you pass. If you don’t have a life insurance policy yet or want to add to an existing policy, there are three ways you can easily save money in the process. Read on to learn more.

1. Compare Life Insurance Quotes

It’s recommended that you compare several quotes before deciding on a policy. Go over each quote in fine detail with an agent from Safechoice Insurance Agency to be sure you understand the policy and the price. By comparing more than one quote, you are sure to find the right policy to fit you and your family’s needs.

2. Bundle Your Insurance Policies

One of the best way to save money on your life insurance is to bundle it under one insurance carrier with your other policies. Auto insurance, home insurance, commercial insurance, and any other policies you have can be bundled to save you money on your insurance premiums.

3. Work with a Reputable Agent

To understand your new life insurance policy, it’s best not to do this on your own. Instead, work with a trusted and reputable insurance agent to help you with the process. This will guarantee you get the best policy at the best price and avoid any surprises down the road that you may have overlooked.

To learn more about purchasing a life insurance policy in Rochester, MN, contact the team at Safechoice Insurance Agency who serves this area. 

Your RV is a fantastic thing and the right insurance is going to keep your RV safe and your RV protected in the from the dangers that might befall it. Your RV is a great addition to your arsenal of vehicles and there are tons of different insurance policies that you can choose. If you live in Rochester, MN, the agents with Safechoice Insurance Agency can help you to find the RV policy that works best for you.

RVs are so much fun but it is necessary to keep them insured to protect them from the dangers that come from using your RV daily. There are tons of great options when it comes to insurance for your RV. You may be wondering, is my RV policy valid in every state no matter where I travel, the answer is yes as long as the policy is paid up and the RV is fully insured. Your policy is not affected by the place that you take your RV but rather by your own ability to pay the policy and to make sure that you are fully paid up and current with your RV policy when you leave to go on your trip or to take your RV out.

It is important that the policy be current, that you be in good standing with your insurance company, and that you have all your insurance information in your RV with you while you are traveling should you need to access it to show a police officer, to show in the case of an accident, and to have so that if you have to use the, they are easily accessible. If you live in the Rochester, MN area, the agents with Safechoice Insurance Agency can help you to find the RV policy that is right for you.  

Maybe your ATV didn’t exactly break the bank when you bought it, so you figure that if you ever roll it in the Rochester MN area woods you can just pay to get it fixed. However, your agents at Safechoice Insurance Agency are here to remind you that ATV insurance isn’t all about replacing a bent brush guard. There is much more at stake.

Accidents Happen and People Get Hurt

Part of the fun of four-wheeling is pushing your machine to the limit by climbing steep hills or plowing through a snow drift. That’s is when you might hit a rock, go flying through the air, and take out your tailgating friend in the process. Emergency rooms are expensive and if you are in the woods, a med-flight could cost even more to get you to safety.

Fix Up Your Friends and Your Ride

Your ATV insurance is mostly focused on providing protection when the property is damaged or people get injured while you are out playing. It will cover your buddy’s broken wrist while he was riding shotgun while replacing the bent axle. When you skip the ATV insurance, all of those expenses will end up coming out of your savings account. 

Check Your Maximum Limits when Riding with Others

Now that you have decided that you do need an ATV policy from Safechoice Insurance Agency, make sure to sit down with your agent and talk about the maximum amount of protection provided in the liability and medical payments section. If you like to roll around the Rochester, MN area with your other four-wheel friends, you may want to up the limits as the chances of encountering a major accident between machines just went up.  

Give us a call at Safechoice Insurance Agency today to make sure you are fully protected for the next trip out of town with your toys. 

Many people have at least one recreational toy in Rochester MN, which can include ATVs, motorcycles, watercrafts, boats, and RVS. When recreational toys are used, there is the risk that there could be damage to the items as well as liability concerns. Since there are many factors that can go into determining if toy insurance is required, speak with an agent at Safechoice Insurance Agency.

Boats and Personal Watercraft: Boat insurance can be required for just about any boat, including small personal watercrafts and jet skis. You want to insure for damages, as well as injuries to any passengers. Even if you are going to be keeping your boat in storage for the better part of the year, you may still want some insurance to protect it from damage in storage, being stolen, or vandalism. For smaller watercrafts like canoes or kayaks, you may get some insurance from your homeowners policy, but it likely won’t be enough to cover if it is destroyed.

Motorcycles: If you are trying to insure your motorcycle, it is required in Rochester MN to have the minimum liability insurance. In addition to the minimum liability insurance, you may want to consider comprehensive and collision coverage to protect your bike against any damages related to accidents or not.

RVs: Depending on the type of RV you have, you may have to have insurance. If you are towing your RV then your liability coverage for your auto is enough. However, if you are going to be driving your RV on state roads, you need to have the minimum liability coverage. A financing company may also require you to have collision and comprehensive coverage. Since an RV can serve as a vehicle and a home, you may want some additional coverage for some of the belongings you keep in your RV.

Contact Safechoice Insurance Agency, serving Rochester, MN, to get a quote for toy insurance.