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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What Are The Options With Auto Insurance?

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When you are searching for auto insurance in Rochester, MN it’s important to know about all of your options. The state of Minnesota requires a minimum level of coverage under liability, which provides protection for personal injuries as well as property damage.

Minnesota requires the liability coverage as well as PIP (Personal Injury Protection), underinsured coverage, as well as uninsured. You can also explore the optional coverage of collision and comprehensive.

By working with an independent insurance agent, we’re able to work with you on all of the different options. It can be overwhelming to find a policy in Rochester because the different companies all like to show you different forms of coverage.

You want to have not only what’s required by the state, but also some additional protection. This can end up saving you money in the long run because if you are involved in an accident or something else happens to your car, you want to be able to file a claim.

The coverage can be more affordable than you think. To double the liability coverage, it may only be a little more a month and it can provide you with peace of mind knowing that the coverage is in place.

The best thing to do is call and let our agents help. We work with all of the top insurance companies who are licensed in Minnesota. This makes it easier to determine what your options are and to get quotes in order to make more accurate comparisons.

Call and talk to one of our agents today. We will go over the required elements of auto insurance as well as the options in order to build a great policy for you. We can then get quotes to help you find the most affordable policy.

 

 

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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.

Protecting Your Beach Vehicle with the Right Type of Auto Insurance

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One of the best ways to have fun on the beach is by cruising down the shore while the tide rolls in.  And while driving on the beach is legal in many areas, it is imperative that you check for any local laws that apply to the beach areas you want to drive on.  If you break any laws, you may have to pay a fine.  You'll also want to make sure you protect your beach vehicle with the right insurance.  

If you drive your vehicle on the beach on a regular basis, you should inform your current insurance provider.  Any time that you compare quotes from insurance providers, you should also tell them that you regularly drive on sand.  In doing this, you can receive quotes on policies that adequately protect your vehicle.  If you fail to tell an insurance company that your vehicle regularly travels in sand and you file a claim, then compensation may not be given.  

There's no denying that many beach vehicles have quite a bit of money invested them.  You will want to let your insurance company know of any upgrades that you do; this will also help ensure that you have coverage for all that you have invested.  

It is of the utmost importance that you compare quotes from multiple carriers before making a final purchasing decision.  By speaking with our independent insurance agency, we can help you compare quotes and find a policy that best suits your exact insurance needs.  More importantly, we can find a policy that is both affordable and adequately protects your beach vehicle. 

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.

Can I Work With An Agency To Get Home Insurance Quotes?

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Rochester, MN is a major metropolitan area with close to 110,000 people. One of the primary points of interest is the world famous Mayo Clinic, which draws in a number of visitors and is one of the largest employers in the area. Residents also look to Silver Lake for recreation as well as various events held throughout the year.

When you live in the 55901 ZIP code, you have to make sure you get home insurance that you can rely on. This means you will want to learn about the coverage options, research the companies, and get quotes.

You don’t have to do all of this on your own. You can work with a home insurance agency to help with all of it. They will be able to explain the coverage options, including coverage on:

– Fire

– Flood

– Theft

– Valuables/Collectibles/Art

– Storms

– Personal injuries

There are all sorts of options to provide coverage for your home in Rochester and you will want to consider them all so you can make claims when something goes wrong. If something happens to your home in 55901 MN, you will want to contact the insurance company and know that they will take care of it all.

We are a home insurance agency you can rely on for all the help needed to find coverage and the right company. We’re independent, so we work with some of the top companies throughout MN – and that can make it easier for you. We will get quotes so you can make comparisons and find the most affordable policy.

Working with an agency makes sense and we’re happy to help. Contact us today to learn more about what we can do for you when it comes to buying homeowner’s insurance.

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Is Carpet Damage Covered On A Policy?

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Throughout Rochester, MN, there are many things to attract people. There’s the Mayo Clinic, which is a provider of more than 30,000 jobs. It is also why many people choose to visit the 55901 area. The city has a large population and with the nearest metropolitan being St Paul, plenty of people are commuting in and out of the city.

When you buy home insurance to protect your house in Rochester, you have to consider what is and isn’t covered on a policy. Carpet may be throughout your home and you have to look at whether you will be responsible for paying for the replacement when it becomes damaged.

Here’s when you will have to pay for the carpet damage:

– Pets

– Kids

– Food

– Heavy foot traffic

– Normal wear and tear

There are other times when carpet can be damaged and this is when you will want home insurance to pay for it. The carpet may become damaged during a fire, flood, or even a robbery. All sorts of things can happen and you will want to call the insurance company to file a claim. You will want the coverage on your policy for all of these things as it relates to carpet so your claim is not denied.

The fine print needs to be read when you buy a policy for your home in the 55901 area. Some companies offer better coverage than others and so you will always need to do some comparisons.

We have agents to help you find a cheap policy while still making sure carpet damage is included. We will go over some of the basics with you, ask questions, and answer questions you have. We will also work on getting quotes for comparison and for finding a cheap premium.