Vacation season is here, and if you’re an avid RVer, you may wonder if you can get insurance just for the summer months when you’re using your RV. The answer is yes—you can get RV insurance just for the summer months, but there are some things to consider before making that decision. Safechoice Insurance Agency explains what you need to know about RV insurance in Rochester, MN. 

What Does Summer RV Insurance Cover? 

Summer RV insurance covers your recreational vehicle while in use during the summer months. Your policy may cover liability (in case of an accident), property damage, theft, and more. It typically also covers roadside assistance so that if something goes wrong with your RV while you’re out on the road, you have help getting back up and running quickly. 

Benefits of Year-Round RV Insurance Coverage

You may want to consider year-round RV insurance, even if you don’t plan to use your RV in the winter months. It helps ensure that you’re covered no matter when something happens and can help you save money on premiums over time. In addition, having year-round coverage can also give you peace of mind. Plus, you’ll be ready to take your RV south for some winter sunshine.

Where Can I Get More Information? 

If you’d like to learn more about summer RV insurance in Rochester, MN, contact Safechoice Insurance Agency today! Our agents will be happy to answer all your questions and discuss your options so that you can decide how best to protect yourself and your recreational vehicle this summer!

Winter can be especially harsh on your RV. Without the proper preparation, you could end up with damage and costly repairs. You don’t want to spend your winter worrying about preventing damage to your RV—you should be able to enjoy the season! Here are some simple tips from Safechoice Insurance Agency to help protect your RV as the temperatures drop in Rochester, MN. 

Insulation and Heating Systems 

Your RV needs extra insulation to protect it from frigid temperatures. The best way to do this is by adding fiberglass and weather stripping around any interior openings or windows. This will help keep heat inside your RV and reduce drafts that can cause significant damage. In addition, check that all heating systems are in good working condition before the onset of cold weather so everything runs efficiently as temperatures drop. 

Antifreeze/Coolant Maintenance 

Ensuring that your antifreeze/coolant systems function properly throughout winter is also essential. Check all hoses and lines, replacing worn or damaged parts as needed. Also, ensure enough antifreeze/coolant runs through the engine—this helps prevent freezing temperatures from damaging internal components of your RV’s engine system. 

Battery Maintenance

Ensure you have a fresh set of batteries installed in your RV before the start of winter, so they last longer during cold periods when power is more likely to be used. It’s also a good idea to check on them periodically throughout the season and replace them if necessary – dead batteries are no fun! Last, watch out for any corrosion or other issues with battery terminals. If these aren’t taken care of, they could lead to more significant problems down the road. 

Contact us today for more information on how Safechoice Insurance Agency can help protect your investment in Rochester, MN, in winter!

The off-season can be challenging for motorcyclists in Rochester, MN. Not only do you have to wait months before getting back on your bike, but keeping your motorcycle protected during the off-season is also important. Here’s how the proper steps and the Safechoice Insurance Agency can keep your bike safe when it’s off the road.

Secure the Bike in a Garage or Shed 

The best way to protect your bike during the off-season is to store it indoors. The temperature inside a garage or shed remains consistent throughout the winter months, which helps prevent rust and corrosion from forming on exposed metal components. Keeping your bike inside also reduces exposure to dust, dirt, and other environmental elements that can damage its exterior finish. 

Clean and Lubricate Moving Parts 

Before storing your bike for the off-season, clean and lubricate all its moving parts. This includes chains, sprockets, cables, brakes, and levers. Lubricating these components ensure they continue working correctly when it’s time to hit the road again. Cleaning them regularly helps reduce wear and tear. 

Protect with Motorcycle Insurance 

The last step in keeping your motorcycle safe during the off-season in Rochester, MN is investing in insurance coverage. Motorcycle insurance policies provide protection against theft or damage caused by accidents or weather events, such as storms or floods. Many insurers also offer roadside assistance services so that if something goes wrong while you’re out riding, you have someone to call who can help get you back on track quickly and safely.  

Taking proper care of your motorcycle during the off-season ensures it remains safe and reliable for years. Contact us today for more information about how Safechoice Insurance Agency can provide comprehensive coverage for your motorcycle needs!

Recreational toys continue to be great investments and popular purchases in the Rochester, MN area. This part of the state offers many parks and other locations where you can use these vehicles. If you would like to buy one, it would be wise also to have proper coverage. You will want a full toy insurance policy for a few reasons. 

Cover Your Asset

If you plan on buying a recreational toy in this area of Minnesota, you might find it a significant investment. Further, it would be best if you wanted to be able to enjoy the recreational toy for a long time. The best way to ensure this happens is by getting toy insurance. This coverage will provide the support necessary to replace or repair your asset if you incur a loss due to an accident, vandalism, or theft.  

Reduce Liability Risks

Your risk of being named liable for an accident and associated damages should always be considered when seeking insurance. When you have a proper toy insurance plan, it will include a provision for liability coverage. This can help ensure that you can cover damage that you may cause. Depending on how and where you use this asset, it may also be a requirement to carry coverage. 

When you are going to invest in any recreational toy or vehicle, it is vital that you are insured. When looking for your next toy insurance plan, calling the team with Safechoice Insurance Agency is helpful. The Safechoice Insurance Agency team has been helping those in the Rochester, MN area for a long time. They can give any guidance you need to assess your options and build a plan. 

Anyone that lives in the Rochester, MN area can find that it is a great place to own an ATV. With many trails and parks in the area, you can have a lot of fun with it. If you want to purchase an ATV, it is vital that you also have it insured. There are various advantages and benefits obtained when you have this coverage. 

Liability Risk Mitigation

Liability risk mitigation is one benefit and form of value that will come with your ATV insurance plan. While ATVs are fun to use, there is always a chance that you could cause an accident. If you are at fault for an accident, you can be held responsible for any damage or injuries that you cause. When you are adequately insured with an ATV insurance plan, it will include support in these situations. 

Protect your ATV

If you buy an ATV, it will be an asset you want to use and enjoy for a long time. Investing in a proper ATV insurance plan is a great way to ensure this happens. With a full ATV insurance plan, you will have coverage to protect against many risks, including the risk of theft or damage sustained in an accident. This can effectively protect your asset and ensure you can use it for a long time. 

When investing in an ATV insurance plan, it is a good idea to get proper support and guidance. If you are in the Rochester, MN area, it would be wise to call the professionals with Safechoice Insurance Agency. The team with Safechoice Insurance Agency offers plenty of help to ensure you can select a plan that will meet your needs. 

When you have a business in Minnesota, there are specific commercial insurance policies that you may be required to have in place. When these are required for your business, you could face fees and other punishments if you don’t have them. Not every business in the state requires these, but if yours does, it’s time to get your commercial policies. Call us at Safechoice Insurance Agency in Rochester, MN to find out more.

Workers’ Compensation Coverage

This type of commercial insurance is vital for virtually every business, and it is required in Minnesota for any business with any number of employees. If you run a sole proprietorship, it isn’t required for your business. Corporate officers and partners also aren’t counted as those who need to have this type of policy. When you have a workers’ comp policy for your employees, your policy will pay for their medical bills and other costs if an employee gets injured at work or contracts a work-related illness. This type of policy is vital for protecting your company from liability for these circumstances.

Commercial Auto Coverage

This insurance policy is required for all vehicles owned by Minnesota businesses. A commercial auto policy must come with various kinds of coverage. This includes two amounts of coverage for bodily injury liability and an amount for property damage liability. It also requires two amounts of uninsured or underinsured motorist coverage. It requires personal injury protection as well. This pays for your medical bills when there has been an accident that is the fault of your company’s vehicle. 

Get Your Required Commercial Insurance

We can help you with all the insurance policies required for your business, as well as any optional ones you want. Call us at Safechoice Insurance Agency in Rochester, MN.

Life insurance has many benefits. However, it is hard to determine who needs it and who doesn’t. Our Rochester, MN team at Safechoice Insurance Agency wants to take the confusion out of life insurance.

What is Life Insurance?

Life insurance provides a lump sum of money to a beneficiary of your choosing. You select a beneficiary as the recipient of a lump sum of money in the event of your death or illness, critical or terminal. You pay premiums for a specific period or your entire life based on the type of policy you invest in. Common life insurance policies are either for a "term" or your "whole life."

I’m not married and don’t have kids. Should I invest in life insurance?

To some, life insurance may not be worthwhile if they don’t have a spouse or children. However, there may be other reasons, beyond family, why life insurance may be a wise investment. If you want to pay for your burial, or have other financial obligations, like a mortgage, life insurance is a wise investment. If you pass away before your mortgage is paid off, the mortgage company can reclaim the equity in your home.

Common sense would suggest that life insurance makes the most sense for people with a spouse and dependents. However, there are benefits for single people as well.

If you have questions about life insurance, call us. We can help you explore the benefits of life insurance for single people and your own unique situation.

Road tripping in an RV is a great way to explore the country and spend time with family or friends. However, there are a few things you need to know. From ensuring you have the right insurance to stocking up on supplies, there’s a lot to think about before hitting the open road. But don’t worry, we’ve got you covered. This blog post will give you all the information you need to ensure your RV road trip is successful.

1. Service Your RV Before You Go

Before you embark on your RV trip, getting your vehicle serviced is important. This will help ensure that everything is in working order and that there are no surprises along the way. Get a full check-up, including an oil change and tire rotation. You should also ensure that your fluids are topped off and that your battery is in good condition.

2. Get the Right Insurance

Make sure you have the right insurance for your RV. You should have both liability and comprehensive coverage. Liability insurance will protect you if you cause an accident that damages someone else’s property. Comprehensive coverage will protect you if your RV is injured in an accident, stolen, or vandalized.

3. Stock Up on Supplies

Before you hit the road, stock up on supplies. This includes food, water, and medications you or your family take. It’s also a good idea to have a first-aid kit on hand. And, of course, don’t forget the fun stuff! Pack games and activities to keep everyone entertained on long drives.

4. Be Prepared for Emergencies

No one likes to think about emergencies, but it’s essential to be prepared for them. Make sure you know how to change a tire and have a spare tire on hand. It’s also a good idea to keep a flashlight and some basic tools in your RV. You can also ask your insurance provider about roadside assistance coverage, which can help you if you have a breakdown.

Now that you know what you need to do before taking your RV on a road trip, it’s time to start planning your adventure. Safechoice Insurance Agency can help you find the right insurance for your RV in Rochester, MN. Contact us today for a free quote.

Riding a motorcycle is an exciting experience and a fun way to explore the scenic beauty of the state of Minnesota. However, it can also be a scary experience. To make it safe and enjoy your motorcycle trips, you should consider getting motorcycle insurance. Before you purchase any motorcycle insurance plan, it is essential to know what exactly motorcycle insurance covers:

What Does Motorcycle Insurance Cover?

Standard motorcycle insurance covers the following:

• Collision coverage. This type of coverage pays for damage to your motorcycle if you are involved in an accident. 
• Comprehensive coverage. It would cover damage to a motorcycle if the damage were caused by anything rather than a road accident. It can be vandalism, fire, and any type of weather damage. 
• Liability coverage. It includes two types of coverage – property damage and bodily injury. It helps cover lost wages and medical bills if you cause an accident. 
• Uninsured/underinsured coverage. It will pay for damages if another driver or motorist has caused an accident but does not have the proper insurance or if their insurance coverage is insufficient. 

Safechoice Insurance Agency – Your Reliable Insurance Company Serving Clients In Rochester, MN

If you are a lucky motorcycle owner living in Rochester, MN, or any other nearby town in Minnesota, and you are shopping for motorcycle insurance to protect yourself and your precious vehicle, Safechoice Insurance Agency is here to assist you. We specialize in various types of insurance, including motorcycle insurance as well. Contact us if you need help finding a perfect motorcycle insurance plan or want to know more about the insurance options available. 

If you own an antique or classic ATV, you may wonder if there is a special insurance policy. The answer is yes – a specific policy is designed just for antique and classic ATVs. The Safechoice Insurance Agency offers a policy specifically for antique and classic ATVs in Rochester, MN. This policy is designed to provide coverage for these vehicles in case of an accident, theft, or damage. Here’s what you need to know about it.

What Is an Antique or Classic ATV?

An antique or classic ATV is defined as an ATV at least 25 years old. These types of ATVs are typically used for recreation rather than transportation. They may be used for off-road activities such as hunting, camping, or trail riding.

What Kind of Insurance Policy Covers an Antique or Classic ATV?

A standard ATV insurance policy will not cover an antique or classic ATV. However, some insurers offer special policies for these types of vehicles. The coverage on these policies is often limited, so it’s important to check with your insurer to see what is covered. There are two types of antique or classic ATV policies:

• Agreed value: This type of policy covers the vehicle for its agreed-upon value. This is the amount you and the insurer agree the car is worth. In the event of a total loss, this is the amount you would receive from the insurer.
• Stated value: This type of policy covers the vehicle for its stated value. This is the amount that you tell the insurer the car is worth. In the event of a total loss, this is the amount you would receive from the insurer.

Conclusion

If you have an antique or classic ATV, it’s important to check with your insurer to see if they offer a special policy for this type of vehicle. Safechoice Insurance Agency offers both agreed value and stated value policies for antique and classic ATVs. Contact our offices in Rochester, MN, today for more information.