Rochester MN

What Should You Consider When Purchasing Home Insurance?

Posted on by AgentInsure

You can’t predict the future, so it’s not easy to know how much home insurance you might need. The best thing to do is to work with an agent from Safechoice Insurance Agency for your homeowner’s coverage in the Rochester, MN area to help you plan for possible future events. They can help you sort through what to consider while you’re planning for your homeowner’s insurance coverage while staying within your budget. Here are some items for you to have in mind when you speak to an agent.

  • Deductibles – Higher deductibles will decrease your premium, but if something happens, you will need to pay that deductible.  Know how much of a deductible you are comfortable paying for an incident.
  •  Replacement Cost or Cash Value – Decide if you would like the cost of replacing your home or valuables without depreciation or if you would rather have the actual cash value after depreciation. 
  • Know Your Policy – Work with your agent, so you clearly know what is covered under your plan. For certain events, you may need a separate policy.
  • Discounts – You may be eligible for discounts, such as car and home insurance with the same company, installing an alarm system, or dead bolts.
  • Annually – Review your policy at least once a year with your agent to ensure you have adequate coverage.

Safechoice Insurance Agency

If your home is in the Rochester MN area, Safechoice Insurance Agency is an excellent insurance agency to work with to help you determine your coverage needs. A professional agent will take the time to explore your home insurance options. They will help you make policy decisions that will provide the coverage you need at a price that will fit your budget.  Contact us today to get started.

What You Should Know About Auto Insurance and the Law in Minnesota

Posted on by AgentInsure

Auto insurance does vary from state to state, which can make things a bit confusing if something happens out of town or if you move around a lot. Learn more about what you have to consider if you live in Rochester, MN. Safechoice Insurance Agency wants you to have the facts first. 

State Minimums 

Each state has set out their own minimums when it comes to staying legal. This means that if you want to get the bare minimum, you’re capped off at a certain amount. In New Hampshire, you’re not even required to buy auto insurance, making it unfortunate if you’re hit by someone from that state. In Minnesota, you need to have at least $30,000 worth of coverage for bodily injury, $10,000 for physical property and $60,000 limit for each incident. This is one of the higher minimums, meaning you likely won’t need to pay anything out of pocket. 

Understanding the Law 

Staying legal isn’t just about minimums though, it’s about thinking ahead. What happens if someone hits you and they’re uninsured? Do you have the time or the money to either go through litigation or to fix your car on your own? Most people who sue uninsured motorists are unable to recover anything, so this is a major concern. You may need additional coverage and not even know it. Safechoice Insurance Agency can help you make better choices when it comes to staying safe on the road. It’s tempting to go with the cheapest policy, but that choice can end up costing you more than you ever could have imagined. Call us today if you live in Rochester, MN and want to have your questions answered or if you need a quote.