Types of Auto Liability Insurance

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When you hear the term liability insurance in the context of an auto policy, it refers to what your policy pays out to the other party if you are found liable for an accident. This generally refers to the people in the other vehicle involved in an accident. At Safechoice Insurance Agency in Rochester, MN, we are dedicated to informing our clients about their coverages and the benefits they derive from them.

Auto liability insurance coverage on your vehicle policy is legally mandated for driving on the roadways in most states. When you hear the term liability coverage in discussions of auto insurance, it refers to two types of coverages: bodily injury and property damage.

  • Bodily injury coverage pays for the injuries to the other driver(s) and passengers harmed in an accident that you have been found at fault for causing.
  • Property damage coverage pays for the cost associated with another person’s automobile or property damaged in an accident where you are at fault.

We will help you get the right coverage that you need.

What is Included With Auto Liability Insurance?

Auto liability insurance includes coverage for bodily injury and property damage.

Bodily injury coverage insures you against injuries to another person caused by an accident for which you are found liable. These injuries can include:

  • Pain and suffering
  • Medical bills
  • Lost wages
  • Prescriptions
  • Legal fees if you are sued for the injuries you have caused another person to suffer

Property damage coverage covers the damages your vehicle has caused to someone else’s personal property. These include:

  • Repairs to the car of the other drivers involved in an accident
  • Damages to fences, buildings, or other structures
  • A rental car while the other person’s vehicle is being repaired
  • Damage to the personal belongings of others inside a car, such as electronics
  • Legal fees if you are sued for causing damage to someone’s property
  • Other related costs arising from damage to property during an incident

Coverage Limits

There is a variety of auto liability limits available for drivers. Typically, there is a state minimum that you are required to carry. In Minnesota, the minimum liability limits are 30/60/10, which means that the state requires you to have auto liability cover sufficient to pay up to $30,000 per accident for bodily injury per person, up to $60,000 total for a single accident, and up to $10,000 for property damage to the vehicle or property of another in a single incident.

While you are only required to have the minimum, you may find it beneficial to carry a larger amount to ensure your financial protection in the event of an accident.

Let us Help!

Call us today at Safechoice Insurance Agency in Rochester, MN, at (507) 280-9282. Our knowledgeable and friendly staff can answer your questions and help you get the right auto liability coverage.

Toy Insurance: When Protecting Our Toys Isn’t a Game

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Toys are something we all know and are familiar with, although, for some of us, that familiarity may be from years long gone. However, what doesn’t fade or go away is the value that many of these toys hold, and that isn’t only sentimental value. If you haven’t been in a toy store lately, then you may experience sticker shock as you have rarely known because toys today are much more expensive than they used to be. These are also only a few reasons why people from in and around the Rochester, MN, area turn to the friendly and professional team at the Rochester Safechoice Insurance Agency for all their toy insurance needs.

Yes, Toy Insurance

At first hearing, toy insurance may sound odd, but after thoughtful consideration, it becomes less curious and much more sensible. In some cases, it seems odd to insure some of our toys because some may be worth a lot more than we ever imagined.

According to one USA Today article, toys that fall into the collectible category have sold for as much as millions of dollars (yes, that is millions with an "s"), with many collectibles like Barbies, Lego sets, and other toys selling for thousands of dollars. Yes, from the price of toys today to the value of toys that are or could become collectibles, toy insurance makes sense.

Toy Insurance in Rochester, MN

If you live in or around the Rochester, MN, area and have questions or would like to learn more about toy insurance, our professional and friendly team at the Safechoice Insurance Agency can help. Contact us to find out more and schedule an appointment today because protecting our toys may mean much more than we originally thought.

Health Insurance: It is About More than Just Your Health

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Nobody anticipates falling ill or requiring a hospital visit; however, it’s essential to have a plan in case it happens. Health insurance is often a significant part of that plan. It helps us handle our bills and maintain our lifestyle. These reasons, among others, explain why it is advantageous to have health insurance and are the basis for why many individuals in and around the Rochester, MN area seek the professional, experienced, and friendly services of the Safechoice Insurance Agency for their health insurance requirements.

Health Insurance: More than Just About Health

Have you ever encountered someone who has been sick or injured and said, "At least I have health insurance," or "Thank goodness my health insurance covers that"? These phrases express relief and assurance and underscore the importance of having health insurance. Undeniably, health insurance is crucial when you are sick or injured, but it also provides numerous additional benefits.

Rochester, MN – Your Health Insurance Solution

If you reside in the greater Rochester, MN area and have inquiries about health insurance or are keen on exploring the potential benefits of health insurance should you have to miss work or suffer an injury, our reliable and proficient team at the Safechoice Insurance Agency can assist. You cannot predict when you might need health insurance coverage, but knowing that you are covered when the need arises is reassuring. Contact us to learn more and acquire the health insurance solutions you need and deserve today at Safechoice.

Four Benefits to Waterproofing Your Basement

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As a homeowner in the Rochester, MN, area, protecting your basement is vital to the health of your home. There are financial and health benefits to waterproofing your basement and keeping it that way. 

1. Protect Your Home’s Foundation

Water damage can cause cracks and damage to your home’s foundation. This can be some of the most expensive repairs you make, so you want to make sure that you’re keeping the area protected from water. The plumbing in this area will also be secure, and if there happens to be a leak, it will be easier to identify before the problem gets too bad. 

2. Reduce Pest Infestations

Because the basement has been waterproofed and keeps out certain elements, pests aren’t going to be attracted to the area. Basements that hold too much water and have exposure will often be a breeding ground for unwanted pests to nest and start destroying your home from the bottom up. 

3. Improve Your Monthly Utility Bills

When you waterproof your basement, you don’t have as much humidity to fight throughout the year. This means your home will use less energy in this area, reducing your overall monthly cost. The HVAC system will not overwork; you can expect it to last longer and have lower payments for years. 

4. Keep Your Air Quality Healthy

One of the best things about waterproofing your basement is preventing the possibility of mildew and mold building up in that area. So many homes have fallen victim to poor air quality and lots of sickness due to mold growing in the home. With a waterproof basement, your family will be healthier because of having clean air and no exposure to harmful mold. 

If you’re a homeowner around the Rochester, MN area and you’re looking for a personal quote, contact Safechoice Insurance Agency today. 

Three Valuable Car Insurance Add-ons To Consider

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Are you a driver in the Rochester, MN, area? Have you been settling for state minimum standards when it comes to your auto insurance? Here are three ways Safechoice Insurance Agency can provide more value with three affordable add-ons.

Car Rental Coverage

Most drivers don’t recognize how inexpensive it can be to add a provision to their policy to pay for renting a car should their vehicle need repairs after an accident. Car rental insurance can pay for up to 30 days of car rental expenses should your vehicle need repairs. Ask your agent about this inexpensive coverage.

Uninsured Motorist Insurance

The odds of being involved in an accident with an under-insured or uninsured motorist may be greater than you think. This coverage can help minimize your out-of-pocket expenses in such an incident. Your agent can help explain the value of this important coverage.

Comprehensive Coverage

If you are insuring your vehicle at state minimum levels, you are not protecting your car from theft, fire, vandalism, collision damage, and more. While you certainly want to be covered at legal limits, state minimums may not be enough. You likely don’t accept the bare basics in other areas of your life. Don’t accept it with your car insurance. Consider comprehensive auto insurance coverage. Contact us to learn about affordable options.

Get a Quote Today

Perhaps it’s time to have a real discussion with a professional car insurance agent to get the protection you deserve. Safechoice Insurance Agency of Rochester, MN, is here to help. Don’t settle for less, especially when you don’t know all of your affordable options. Contact us today for your free auto insurance evaluation and price quote.

When is the Best Time to Buy Life Insurance?

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Life insurance is a wise investment in providing for loved ones when you pass on. There is never a "bad time" to buy a policy; however, there are certain times when purchasing life insurance is more convenient and/or easier than at other times.

Start Early

Most people in their twenties or thirties aren’t thinking about passing on. However, buying a policy early on is always a wise idea. You never know what the future holds, and, as the old saying goes, "It’s better to have it and not need it than need it and not have it." What’s more, buying a policy early on can enable you to lock on a lower rate than you’d get if you purchased a policy in your sixties or seventies.

Make it Part of a Financial Plan.

Buying a life insurance policy is often convenient when you’re already assessing your financial situation. The closing of a year or the beginning of a new year can be an excellent time to purchase a policy. Alternatively, you may want to buy a policy when you’re preparing your taxes, as you’ll know how much money you’ll have on hand to cover the cost of a policy.

Contact Safechoice Insurance Agency in Rochester, MN Today

Safechoice Insurance Agency has served Rochester, MN, residents for many years. We offer personalized customer service and multiple policy options to make picking the life insurance policy that best meets your needs. Get in touch with us today to learn more about our policy options or to start obtaining coverage.

Four Reasons to Update Your Commercial Insurance Policy

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You probably have a commercial insurance policy if you have a business in the Rochester, MN area. That’s designed to help you get the coverage and protection you need in order to make sure you’re prepared for a claim. However, if you haven’t updated your policy in a while, it can be important to do that. Here are four of the biggest and best reasons to update your coverage with us at Safechoice Insurance Agency today.

1. Your Business Needs Can Change Quickly

When your business grows or you add or change something, you want to feel confident that you’re still adequately covered. If you don’t update your policy, you might not have all you need.

2. You Deserve to Have Strong Peace of Mind

Peace of mind is extremely important when you’re running a business, and quality insurance can give you the peace and security you’re looking for so you can focus on the areas of your company that need your care and guidance.

3. Getting Quotes Can Mean a Better Policy for Your Needs

When you get quotes from several different insurers, it’s much easier to choose the right policy for your business, which can be updated as it grows.

4. You Need a Trusted Agent for Questions and Concerns

Working with a dedicated agent is an excellent way to have what you need when questions arise, or you are concerned about something to do with your policy.

Reach out to us today at Safechoice Insurance Agency if you’re in the Rochester, MN, area and looking for a commercial insurance policy. Whether you want to update the one you have or get a new one that will better meet your needs, we’re here to help you protect your business for the long term.

Protect Your Trip with RV Insurance

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It doesn’t matter if it is necessities like insurance or luxuries like vacation; people never want to pay more than they have to, and they also want to get what they pay for. That is also why people who need RV insurance in the greater Rochester, MN, area rely on the Safechoice Insurance Agency for all their coverage concerns. For plans that fit your needs and your budget, working with the right agent and getting the right policy makes all the difference. 

Protecting Every Mile of Your Trip

It can happen as you are backing out of your driveway or 1000 miles from home, but there is RV insurance for that when unexpected, unplanned, and unforeseen accidents happen. So, even if your vacation gets interrupted, you can take comfort in knowing you and your motor home are protected with the right RV insurance solutions.

In the best-case scenario, those trip delays will be short-lived, and you will be back on your way and having fun in no time. In the worst-case scenario, you may have to make new plans or reschedule, but the good news is that your family’s palace on wheels will be in good hands with the help of agents like the team at the Safechoice Insurance Agency.

For All Your RV Insurance Needs

Thank you for visiting the Safechoice Insurance Agency. If you live in and around the Rochester, MN, area and are looking for insurance solutions for your recreational vehicle, let the friendly and professional team at the Safechoice Agency help. Contact us to learn more and get the coverage and protection you want and deserve today.

Motorcycle Insurance Because Your Helmet Isn’t Enough

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When it comes to insurance, it is always a good idea to understand what you need, what you don’t need, and what your policy does and doesn’t cover. In many cases, getting those answers, that help, and the coverage you want means working with a local agent like the Safechoice Insurance Agency. If you live in or around Rochester, MN, the team at Safechoice can help with all your motorcycle insurance needs.

Motorcycle Insurance Because Your Helmet Isn’t Enough

When motorcyclists fire up their hogs, they know what to do to be safe. From those life-saving helmets to understanding that vehicles aren’t always watching out for motorcycles, riding safely means taking precautions, including motorcycle insurance.

Unlike wearing a helmet or using defensive driving techniques, getting the right insurance can sometimes be a little more complex. Fortunately, with professional, experienced, and friendly agents like those at the Safechoice Insurance Agency, it doesn’t have to be difficult.

Are you looking for motorcycle insurance or shopping rates? Would you like to update your policy, or do you have questions about coverage? At the Safechoice Insurance Agency, we have the answers and solutions you need and deserve.

The Safechoice Insurance Agency for All Your Motorcycle Insurance Needs

 Insurance is there to protect and even replace things we need, value, or care about, and the team at the Safechoice Insurance Agency is here to help ensure it does just that. If you live in the Rochester, MN, area and need motorcycle insurance or have questions, we can help. Contact us to learn more and get the motorcycle insurance solutions and coverage you are looking for today.

Toy Insurance – Determine Coverage Requirements

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Insure Your Recreational Equipment with Safechoice Insurance Agency

As an adult, we know you have more than just figurative ‘toys.’ Whether you have a valuable collection or recreational equipment, it’s essential to safeguard them with comprehensive insurance. At Safechoice Insurance Agency, we believe your beloved possessions deserve as much protection as possible.

Understanding the Value of Your Toys

All recreational equipment—boats, jet skis, trailers, or all-terrain vehicles—have a unique value. This value should be professionally appraised to ensure you get adequate insurance coverage. Our agents in Rochester, MN, can help you understand the value of your equipment and guide you in choosing the right policy.

Proper Storage for Maximum Protection

The longevity and condition of your toys significantly depend on their storage. Quality storage—whether a shed, garage, or independent storage facility—can protect your toys from theft, weather damage, or general wear and tear. If you haven’t considered this yet, now might be the right time.

Considering the Usage Pattern

Every toy comes with its use value. Expensive gear used frequently may require more insurance coverage compared to less-used gear. Evaluating your usage pattern is essential to make an informed coverage decision.

Remindful that your coverage requirements may evolve over time, the experienced agents at Safechoice Insurance Agency are always at your disposal. For further guidance with your toy insurance needs, get in touch with us in Rochester, MN. Let us protect your treasured possessions while you enjoy them worry-free. Get a quote from our team today by reaching out to our office. Try our online rating tool for quotes on home and auto insurance.