Insurance

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.

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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Life Insurance: Is It Necessary?

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Life insurance is not required like auto and health insurance, but it is still a good idea to have. There are many types of life insurance and it can provide your family with protection in the event of your death. It is not a necessity for you, but the benefit that is left behind may be a necessity for your spouse and your children.

There are going to be expenses that occur when you die. There are not only funeral costs, but also living expenses that must be dealt with. If you are no longer around to provide income, it can be hard for your family to cover the mortgage, debt, and many other expenses. The death benefit can provide this financial assistance.

It’s important to figure out how much you need. Some questions you may want to ask include:

– How much family income do you provide?
– Are children’s college tuition costs taken care of?
– How much would my spouse be left with?
– What are the estate taxes to be paid?

All of these questions and more have to be considered when you shop for life insurance. Our independent agents can help you determine what kind of coverage you need. This way you can obtain a policy and have the protection for your family. If you should pass before your family members you know that they are taken care of, at least financially.

Many people believe life insurance is for them. It’s not; it’s for those you leave behind. Depending upon where you are in life, there will be different considerations to make with a life insurance policy.

You want the best protection you can in Rochester, MN and we’re here to help. Call and talk to an agent today so we can talk to you more about the options that exist.

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When Making the Safe Choice is the Right Choice

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There are times when you just can’t afford take risks. When it comes to surgery and health related procedures, people come from all over the world to visit the Mayo Clinic in Rochester, MN. In fact, three presidents have traveled here, including Reagan, Ford and George H.W. Bush. Yes, there are times when you can’t take a chance.

Going into business, however, seems to always have its risks. Business owners try to minimize those risks, coming up with a solid business plan and adequate financing to get through the tough spots. A good marketing plan, long hours and hard work will help make a business successful, but again, there are no guarantees.

Businesses are at risk from competitors, a change in the market or technology, and from losses due to theft or storm damage. Businesses are also in constant danger from liability risks. This is where a solid loss prevention and business insurance program can help. It is also when making the Safechoice is making the right choice.

Safechoice Insurance Agency serves Rochester businesses and families with access to a variety of insurance providers. This ability to get quotes is a result of our status as an independent agency serving the 55901 zip code area. If you own a business or live in the Rochester area, you are invited to visit our website. There, you can get a comparative quote on your homeowners or auto insurance. Once you see how we can save you money, you’ll want to discuss your business insurance with us.

You take enough risks by being in business for yourself. Make sure you are protected adequately from events that can stop you in your tracks. Contact Safechoice Insurance Agency today and see why the Safechoice is the right choice.

The “Shocking” Cost of Replacing Your Electronics

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Rochester, MN is known for its cold winters, but we can have extreme weather anytime of the year. Did you know, for example, that two F4 tornadoes have hit our community since 1953? What is interesting is that the first of those, in 1953, occurred in May. The other struck in mid-September. That second storm hit in 1962. Of course, it doesn’t take an F4 tornado to cause damage. Heavy rains and winds can cause damage almost anytime.

If you own a business in the Rochester area, are you convinced you have the proper business insurance to cover you in such a storm? Consider your electronics and computers for example. Today, most businesses rely on their computers, software and electronics to conduct business. They help us complete transactions, stay in contact with customers, and hold a significant amount of critical business information. If your policy just covers the cost of replacing equipment, you may be in for a shock. What about the software and the data on those computers? What about the cost of setting up a new network? Recovering from damage to electronic will likely cost you more time and money than simple replacement of a piece of equipment.

If you are unsure, we invite you to contact us at Safechoice Insurance Agency. As independent agents serving the 55901 zip code area, we can review your policy from any company. We can also search multiple providers for a better rate if you choose. We also invite you to get comparative rates on auto and homeowners insurance from our website. We believe once you see how we can save you, you will want to do all of your insurance business with us.

Contact us at Safechoice Insurance agency today and avoid the shocking true costs of damage to your business electronics.

Agents at Safechoice Insurance Agency Ready for Help 24*7 in Austin, MN

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When it comes to getting the insurance you need, our agents are ready to help you. In many situations, individuals need insurance that’s affordable, reliable and provides the level of protection necessary to minimize financial loss. Yet, it can become hard to find a policy that meets all of your financial needs and remains affordable. That’s where the insurance agents at Safechoice Insurance Agency can help you.

We offer outstanding service because we are an independent agency. As a result, we can provide you with quotes form various insurance carriers in one simple location. For those who need auto and home insurance in Austin, MN, we can help you to find it. It takes just a few minutes to compare the options available to you, including by coverage amounts, deductibles, and the various additional or add on policies available.

You can use our online tool to help you to find affordable rates on these products. Simply take a few minutes to provide some basic information and you’ll quickly have a quote that offers you the information you need. You can do this for various carriers available in your area.

For those who want an insurance company that’s local, turn to our team. Safechoice Insurance Agency offers round the clock help whenever you need it. If you find yourself needing to file a claim or have a question about a policy, give us a call. We are here to answer your questions and to help you to choose a policy that can give you peace of mind.

Choose to work with an independent insurance company. Our insurance agents work around the clock to help you to have the coverage you need to stay financially safe from all of the risks out there.

When to Switch Life Insurance Provider in MN

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As with your other insurance policies–home, auto and health–there’s no need to stay with the same insurance company just because they’re the same company that your parents and grandparents used, or because you bought life insurance from them at the recommendation of a friend who sold insurance for that particular company. You’re always free, at any time, to change insurance provider if you feel that your current policy isn’t suitable.

Some people like to change insurance providers because, once they’ve worked with us, they see that by shopping around with different insurance companies they can get lower premiums on the same type of policy. Another reason for which you might change insurance providers is when your family is expanding and you need to increase your life insurance coverage. As you add children to your family, your expenses go up along with your need for more life insurance for both partners. You should also reevaluate your life insurance policy when your income goes up significantly.
The most important thing to keep in mind when changing your life insurance provider is to not cancel your first policy before the new one takes effect. The extra $50 or $100 that you "waste" during the overlap is not a bad thing; what if you were in an accident during that time and had no coverage at all? In five or ten years, you’ll forget all about that money, but if you were to pass on, your loved ones would lose out on hundreds of thousands of dollars in insurance money.
To learn more about the types of life insurance that are available in Minnesota, contact our insurance team today. We’ll check amongst our partner agencies to help you find a policy that meets your current insurance needs.

Types of Health Insurance in Red Wing, MN

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In Red Wing, MN, several health insurance policies are available for individuals. Our local health coverage directed towards injured persons, contracts, disease and illnesses serve to protect finances, and many local, government-issued policies maintain standards equivalent to private companies.

 

While our cataloged insurance plans are offered for individuals, group employees and families, several are ushered through insurance agents intending to counsel clients throughout various packages. Our packages are created to offer a variety of benefits while being subjected to periodic quality reviews, so as to benefit our visitors.

 

HMO Health Coverage

 

Our featured HMO health coverage selection grants individuals the ability to select their primary physician network and caregiver. When HMO packages are selected, medical assistance is granted from internal physicians. Comparing quotes is important, however, and visitors are welcomed to access top-quality HMO coverage through our expansive comparisons. Additionally, we urge them to understand several defining traits exclusive to HMO health coverage, for their ease of browsing and understanding:

 

•External physician coverage not issued

•Specialist appointments require a referral

•Inclusive terms and conditions

 

PPO Health Coverage

 

PPO health coverage grants individuals more flexibility, and our PPO coverage quote comparisons have been defined for success. However, additionally, individuals needn’t possess a referral when accessing specialist assistance beneath a PPO-selected package. The following traits outline PPO health coverage:

 

•Higher co-pay

•Often requires a deductible

•Increased flexibility

 

Alternative Health Coverage Policies

 

In addition, but not divergent from, standardized health coverage policies, several other forms exist our visitor’s customization. Individual, group and family packages are all available for Red Wing individuals seeking coverage, and each offers a wide array of amenities including, but not limited to, the following areas:

 

•Medicine insurance

•Dental insurance

•Hospital stay insurance

•Long-term care insurance

•Disability insurance

 

Policy, accidental death and short-term disability insurance packages options are all available for comparisons, too, so individuals needn’t focus upon inclusive features. Often, accidents and unforeseen events grant individuals the right to several claims, premiums and benefits, depending upon the situation. While many options exist, individuals may contact us for additional information. And for further guidance when selection packages.