Think about the memories you have accumulated in the course of your ATV ownership. Quite many, right? You have conquered many terrains, and you hope that this quest continues for many years to come. While your ATV gives you all the fun, have you thought about ATV insurance from Safechoice Insurance Agency in Rochester, MN? If not yet, consider the below benefits of ATV insurance and buy coverage today.

Liability protection

While ATVs aren’t driven on public roads, you can still cause injuries to onlookers and fellow enthusiasts. Besides, your ATV can veer off the road and cause property damage.  If you are accused by third parties, ATV insurance can protect your pocket by covering the liability claims. Besides, ATV insurance can cover you when sued — something that’s very common in America.

Asset protection

Suppose you have parked your ATV in the garage. You may assume it’s one of the safest places, but an electrical mishap is enough to cause a fire that consumes your asset. Also, your ATV is never 100% safe from thieves, falling objects, and natural disasters. 

And that’s not all. The risk is even high when you are using your ATV. During off-roading, your ATV can topple, suffering expensive damages. Thankfully, your insurer can compensate you for the loss or damage to your ATV as long as you have insurance.

It may still be required

ATV isn’t mandatory in Ohio, but it may be required if you drive in certain public places. Besides, if it’s financed, your lender may need you to purchase ATV insurance to protect the asset.

Protect your ATV today!

Your ATV is a source of unlimited fun, and therefore you wouldn’t cut short when perils strike. To be safe, get ATV insurance in Rochester, MN from Safechoice Insurance Agency.

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.