If you enjoy spending time outdoors with big boy (and big girl) toys, you may want to make sure that they are fully protected. Whether you enjoy flying through the snow on a snowmobile or enjoy riding on an ATV on trails through the woods, you have to be careful. Accidents happen, even when you are out having fun. 

For this reason, you need to have enough insurance to protect yourself. Here is what coverage you may get with your toy insurance. 

Personal bodily injury will cover your injuries that occur when you are out riding. It will cover your medical bills, as well as others that were in the accident with you. 

It will also cover any damage to property. If you hit a fence or another piece of property while you are out riding, it will cover the damage. It can also cover damage to other vehicles and public property. 

If you want full coverage, you may want to look into comprehensive toy insurance. This will cover things that occur when you aren’t riding. This may include damage due to the weather, such as hail or bad storms. It will also cover fires, falling objects, and even theft and vandalism. 

Policies vary quite differently. Some cover more than others. Some are more expensive than others. For this reason, you need to make sure that you read the fine print carefully before you decide on the right plan for you.  It is also important to know that you may be required to have insurance if you ride in certain places! 

If you want to make sure that your toys are properly protected, don’t hesitate to contact us today at Safechoice Insurance Agency in Rochester, MN. 

ATVs are an exciting part of life in Minnesota. However, the statistics are real. They come with a wide range of risks. When you have an ATV, you are not required to get liability or accident insurance, but you should.

At Safechoice Insurance Agency, we want Rochester, MN ATV owners to be protected from those accidents in life.

Learn more about the many benefits of ATV insurance here. 

Property Damage Coverage

You have worked a long time to get your ATV. It is your baby, and your pride and joy. If something happens to it during a collision or accident, you will need that repaired or replaced. Property damage coverage will do that for you with your ATV.

This will also cover you if your ATV is stolen, or a victim of fire or criminal damage.

Liability Coverage

When you have an ATV, the risk of accidents is high. You may be fine after an accident, but a third party or passenger could become seriously injured. Liability coverage will help to pay for their medical expenses and potentially lost wages if they are in an accident. 

Collision Benefits

When you have been injured in an ATV accident, you can have those costs covered with ATV insurance. This could provide benefits for your medical costs, and your lost income if you are out of work as a result of your accident.

Get a Quote

When you have an ATV in Rochester, MN, you will enjoy the ride more when you know that you are insured. At Safechoice Insurance Agency, we can help you to get the Minnesota ATV insurance coverage that works best for your ATV needs. Call us for a quote today.

Toy insurance doesn’t refer to your children’s toys, but the valuable toys you own as an adult can leave you out of pocket if something happens to them. While some products might be easily replaced, damage or loss of specific and more expensive products can be a financial and emotional burden to have to deal with. So when should you get toy insurance?

Safechoice Insurance Agency in Rochester, MN is proud to offer toy insurance services to residents in Minnesota and Wisconsin. We always take pride in offering the best quotes to go over with you.

1. You live in an environment that can lead to easy damage or theft.

What can this mean? Several things:

• You live with children (or adults) that can be quite rough, which leads to incidents more often.
• You live in an area where theft happens a lot, whether they are burglaries or people stealing something from you on the street. 

2. Frequent and multiple uses

You are less likely to need insurance if you alone use your toy. However, if it is a toy you like to share with others, or it is meant for several people to use, there are more chances that someone accidentally drops it or chances of wear and tear. 

3. Is it an in-house toy, or do you take it out with you?

If you only use your toy inside, it might be just fine not to insure the toy. However, if you take your toys out a lot, this comes with a ton more risk of theft and damage. 

Ready to discuss toy insurance? Don’t hesitate and call Safechoice Insurance Agency in Rochester, MN today.

Whole life insurance is different from term life insurance. When you purchase a whole life insurance policy, you are covered for the rest of your life. This means you might be paying more money in the long term, but you also get much more protection.

Safechoice Insurance Agency serves Rochester, MN, offering life insurance for those who need it most. These are some of the people who need a whole life insurance policy.

Business Owners

If you are a business owner, and especially if you run a family business, a whole life insurance policy can be very helpful. If a lot of people depend on you at work, whole life insurance can protect them after you pass away.

Adults With Long-Term Dependents

If you provide care for a family member who is disabled, you want to ensure that they are protected financially even after you pass away. This applies to people who have adult children who rely on them as well as those who take care of their parents who might have dementia or Alzheimer’s, for instance.

People With Developed Strategies

If you work with a financial advisor, you may have designed a strategy to protect your family. If you have a long-term goal in mind, whole life insurance may be a great option for your family.

Is Whole Life Insurance Right For You?

It is normal to have questions about something as serious as life insurance. When you buy a whole life policy, you want to make the right decision for your family.

Safechoice Insurance Agency provides insurance help for those who live in Rochester, MN. If you want to buy a whole life insurance policy, you should contact an insurance professional to learn more.

If you are about to start a business in Rochester, MN, it will be exciting but challenging as well. You see, as an entrepreneur, you have to wear several hats to ensure that your venture is successful. Before setting up a team, you play the role of a finance manager, marketing officer, and risk assessor. While you may have your hands full, never put commercial insurance on the wayside.

Unfortunately, most start-ups view business insurance as just another expense. Regrettably, this line of thought can crash your business even before you start. Are you having second thoughts about commercial insurance? Consider the below advantages of investing in business insurance from Safechoice Insurance Agency.

Ensures that your business runs smoothly

No matter how you try, you can’t entirely wish away the possibility of business interruption. However, you can control the financial impact business disruptions can have on your finances. By investing in commercial insurance, you are guaranteed to continue operating even after a disaster.

It saves your business financial losses

Think of the impact of employee injuries? Or perhaps, the damage that risks like fire and natural disasters can cause to your business? Thankfully, if you have invested in commercial insurance, it saves you tons of financial losses.

Protects your employees

Since employees are your most valuable assets, it makes sense to protect them with business insurance. Worker’s comp insurance shields your workers from injuries in the workplace and compensates them for partial loss of income when the employee can’t resume work.

Peace of mind

As a business owner, you don’t want to bog your mind with issues that your insurance can take care of. Let Safechoice Insurance Agency take care of your business risks as you concentrate on more pressing issues.

Buy commercial insurance today!

Would you like to protect your Rochester, MN, with commercial insurance? Please get in touch with Safechoice Insurance Agency for a competitive quote.

There are many accidents on the road involving motorcycles that could have been avoided. These accidents could be avoided by both the car driver and the motorcyclist practicing safe driving techniques. Taking a motorcycle safety course in Rochester, MN can help ensure you practice safe driving habits when driving with other drivers. After your motorcycle safety course, reach out to the experts at Safechoice Insurance Agency to discuss the motorcycle insurance coverage options available.

What Are the Benefits of Taking a Motorcycle Safety Course? 

Learning how to properly ride a motorcycle and surviving the concrete jungle highway is the most significant benefit of taking a motorcycle safety course. In addition, taking a motorcycle safety course reduces your risk of crashing because you learned how to notice potential accidents sooner and how to maneuver away from a possible accident.

What is a Motorcycle Safety Course?

Motorcycle safety courses offer riders a specific training program to help keep them safe on the road. These classes teach basic riding skills, skill enhancements, safety steps, and defensive maneuvers. In addition, classes help inexperienced drivers and experienced drivers improve their riding skills through hands-on, classroom, and online lessons.

Why Should You Enroll in a Motorcycle Safety Course? 

A motorcycle safety course helps newbies learn riding skills, and experienced riders refresh and improve their skills. Learning, refreshing, and improving your riding skills are just some of the many reasons why you should enroll in a motorcycle safety course. 

How Much Does a Motorcycle Safety Course Cost? 

There is no easy answer to this question; however, on average, motorcycle safety courses cost between $125 and $250, and sometimes more. Things affecting the cost are location, school, and level of safety course. 

Those in Rochester, MN, wanting to take a motorcycle safety course need to contact a local school to learn more. Then, when ready to ride the open road, give a call to Safechoice Insurance Agency to discuss motorcycle insurance options. 

If you are looking to buy an RV in the Rochester, MN, area, it is crucial to understand the different types of coverage so you can find the policy that works best for you. Whether you use your RV part time or live in it full time, it is mandatory to have RV insurance in Minnesota. However, there are different types of insurance you can purchase depending on your specific situation. There are four types of basic RV insurance for both your RV and related vehicles called Liability, Uninsured/Underinsured, Collision, & Comprehensive.

Liability Coverage

Liability is the most essential coverage you can purchase for your RV. While it does not protect you, your family, or your vehicle, it ensures you are legally protected from damages or injuries you may cause to others. Liability coverage is required for either motor homes or the vehicle towing your RV.

Uninsured/Underinsured

If you were to get in an accident with an uninsured or underinsured driver, this coverage will protect you and your vehicle from the cost of damages or injury. This is essential when someone doesn’t have enough coverage to cover your claim.

Collision Coverage

Collision coverage will cover repair costs to your RV due to an accident regardless of who was at fault. Collision coverage protects against accidents with another vehicle or objects such as a telephone pole, fence, or house.

Comprehensive Coverage

Comprehensive coverage protects your RV from any damage that is not covered by collision. Depending on your policy, comprehensive coverage can cover damages from natural disasters, accidental damage, theft, vandalism, collision with an animal, and more.

To learn more about insurance coverage for your RV, contact the offices at Safechoice Insurance Agency in Rochester, MN.

If you are in Rochester, MN and want to enjoy the area as much as possible, finding a way to stay active in the outdoors is very important. One way you can ensure that you are able to have a lot of fun here is by getting your own ATV, which will allow you to have some fun and excitement on trails all over Minnesota. Along with your ATV, it is important that you get a proper insurance plan. An ATV insurance plan comes with several types of coverage. 

Protection for the ATV

A reason people will want to get an ATV is so they can enjoy it for a long time. A way you can increase the chances of this happening is by getting insurance for it. With an ATV plan, you will have the support you need to replace the ATV if it is damaged or stolen.

Liability Support

An ATV owner will take on liability risk whenever they operate it. If you cause an accident that results in damage, you will be responsible to cover the damage. Since this can be significant in some cases, you will want protection against this risk. If you carry an ATV insurance plan, you will get the protection you need to reduce and mitigate your liability risk. 

Picking an ATV insurance plan in the Rochester, MN area is always an important decision. Due to this, it is important that you receive the support you need to choose the best plan possible. The team with Safechoice Insurance Agency is always a good group to call when you are choosing a new plan. The insurance professionals with Safechoice Insurance Agency understand the value of quality insurance and can help you build a plan that will properly protect your ATV.

Adults have toys, and these toys are often more expensive than the ones we remember having as children. It makes sense to consider insuring these toys. Toy insurance is supplementary insurance when auto and homeowner’s insurance is not sufficient. Safechoice Insurance Agency serving the Rochester, MN area asks you to consider the following when researching whether you need toy insurance:

• Is my toy valuable? Toy insurance has two main categories – luxury and recreational.
• Is there any chance that your toy could become lost or damaged? Sometimes we are a bit more careless when having fun.
• Is there any chance that your toy could get stolen? Certain types of toys are not easy to secure on our property. It may also be that they cannot be stored there.
• Will other people use my toys, or is it possible that I will have passengers? That opens you up to the possibility of liability. When you share your toys, it is vital that you have cover if you are hurt, or if someone else gets hurt.
• Will my toy be leaving my property at any time? That opens you up to a whole host of risks that you need to think about.
• If something happens to my toys, will there be extra charges for wreckage or recovery not covered by my more traditional insurance?

If you answered yes to any of the questions above, then toy insurance is not just a good idea, it’s a necessity for you. Rochester, MN is a great place for recreational activities and the toys that improve these experiences deserve to be insured by a company like SafeChoice Insurance Agency – we can help you understand your needs, so speak to us today!

Those that reside in or around Rochester, MN will need to have a few different forms of insurance. For many, a very important form of coverage to get is life insurance due to the advantages it provides. There are a few reasons that people in this area should get a full life insurance plan. 

Provide Financial Protection for Dependents

A common reason people in this area of Minnesota will want to have a life insurance plan is so they can provide financial protection to those that they care about. Those that have dependents and others that rely on their income should do their best to ensure they are providing them with continued financial protection. If you have a life insurance plan in place, you will be able to build a policy to ensure your dependent’s future financial costs are covered and protected.

Additional Investment Alternative

You should also get a life insurance plan to provide yourself with an additional investment option. Those that are going to get a whole life insurance policy will benefit as some of their monthly payment will go into an account that grows with value. This is a great option as the account can eventually be turned into cash and used for any reason that you want, which makes it a conservative investment to add to your overall portfolio. 

As you are looking for a life insurance plan in the Rochester, MN area, it would be helpful for you to call Safechoice Insurance Agency. There are a lot of choices that need to be made when looking for a new policy. The team with Safechoice Insurance Agency will give the support needed to understand the different options that you have and help you build an ideal insurance plan.