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Deluxe Insurance Group

912 125th Ln
Blaine, MN 55434

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Add-ons to Consider for Your Boat Insurance

Do you love boating in Blaine, MN? If yes, you must consider boat insurance. While boat insurance isn’t mandatory in Maine, it can save the day when you least expect it. So, whether you own a fishing, sailing, or cruising boat, you must consider boat insurance.

Although boat insurance is a worthwhile investment, you must know it has gaps. Luckily, there are “riders” or “add-ons” you can consider to boost your boat insurance policy. Deluxe Insurance Group highlights common add-ons you should consider for your watercraft insurance.

Add-ons to Consider for Your Boat Insurance

Umbrella Insurance

Your liability coverage can easily run out when you cause a significant boating accident. When your limit is exhausted, you will have to cover the difference from your pocket. Thankfully, if you have invested in umbrella insurance, you don’t have to incur out-of-pocket expenses. Umbrella insurance takes over from where your underlying coverage leaves off.

Emergency Coverage

Like your car, your boat can stall when in water. Of course, you can call rescue services, but this option is quite costly, and sometimes, breakdowns can strike when you are low on budget. The best way to cushion yourself from boat breakdowns is by investing in emergency coverage. This policy comes to your rescue when your boat stalls miles away from the shore.

Personal Effects Coverage

The chances are that you have personal items in your boat. The sad bit is that your boat insurance won’t cover personal assets when disaster strikes. Unless you have home or renter’s insurance, include a personal effects coverage add-on on your boat insurance to cover your fishing gear, electronics, and other personal belongings.

Fuel Spillage/Wreckage Removal Coverage

Most states require boaters to incur fuel spillage cleaning costs to protect marine life against pollution. The cost of spillage cleaning — even if small — can be expensive. Fuel spillage coverage covers cleaning and environmental costs,  including legal fees when sued.

Contact Us Today

Would you like to strengthen your boat insurance with add-ons? Get in touch with Deluxe Insurance Group in Blaine, MN for affordable endorsements.

Three things you might not know about flood insurance

You need to protect your home from flood damage by choosing the right flood insurance policy. Fortunately, we offer flood insurance in Blaine, MN at Deluxe Insurance Group.

You need to do your research and be well-informed about flood insurance to protect your finances and property.

The following are three things you might not know about flood insurance:

You can get government-subsidized flood insurance through FEMA

If you’re concerned about the cost of flood insurance in your area, you should be aware of the fact that there is government-subsidized flood insurance available in many areas. 

There are around 100 different insurance companies across the country that write policies that are subsidized by the government. Make sure that you look into this option when you’re comparing policy options. 

Flood insurance coverage is not typically included in home insurance policies

If you’ve never purchased flood insurance before, you might be unaware of the fact that flood coverage is not typically included in a standard home insurance policy. 

Homeowners who want and need flood insurance either need to add flood coverage to their home insurance policy or purchase a separate flood insurance policy. 

Your flood insurance typically won’t go into effect until 30 days have passed

A typical flood insurance policy will not go into effect immediately. It’s pretty typical for policies to include a 30-day waiting period.

Once you’ve chosen and purchased a flood insurance policy, you’ll have to wait 30 days before you can file a claim on your policy to have flood damage covered. 

Get The Right Coverage Today

If you have questions about flood insurance, contact us. At Deluxe Insurance Group in Blaine, MN, we’re here to help you meet all of your insurance needs. 

A Beginner’s Guide to Condo Insurance

If you’re a first-time condo buyer, chances are you have a lot of questions about what kind of insurance you need. From HOA fees to special assessments, there’s a lot to learn! But don’t worry, at Deluxe Insurance Group in Blaine, MN, we’re here to help. In this blog post, we’ll go over the basics of condo insurance and what you need to know before you purchase a policy.

The Basics of Condo Insurance

Condo insurance is a type of homeowners insurance that is specifically designed for condo owners. Like other homeowners insurance policies, condo insurance covers your personal belongings and provides liability coverage in the event that someone is injured while on your property. Condo insurance also covers any damage that is caused by things like fire, smoke, water leaks, and theft. 

One of the most important things to know about condo insurance is that it does not cover damage to the structure of the condo itself. That’s because the condominium association’s master insurance policy covers the building itself. However, your condo insurance will cover any damage that is caused by your negligence, such as a kitchen fire that spreads to another unit. 

What Does Condo Insurance Cover?

Condo insurance policies typically have three main coverage types: personal property coverage, liability coverage, and loss assessment coverage. 

Personal property coverage protects your personal belongings in the event that they are damaged or stolen. This can include items like furniture, electronics, clothing, and jewelry.

Liability coverage protects you in the event that someone is injured while on your property and decides to sue you. This can include things like slips and falls, dog bites, and injuries that occur during a home invasion.

Loss assessment coverage protects you in the event that the condominium association assesses all unit owners for damages that exceed the association’s master insurance policy limits. This can happen after something like a major fire or natural disaster.

Get Condo Insurance Today

We hope this beginner’s guide has been helpful! If you still have questions about condo insurance or any other kind of homeowners insurance policy, be sure to contact Deluxe Insurance Group in Blaine, MN for more information. We would be happy to help you find the right policy for your needs.

Are there life policies that cover burial expenses?

Deluxe Insurance Group is here for the Blaine, MN community and its residents. If you are preparing your will and realize that you may be leaving loved ones with expenses, there are solutions that can help. Our team can review the available policies that are helpful in this type of situation. Give our office a call or stop by today to learn more.

How to financially prepare for end-of-life expenses without a life insurance policy

If you are planning for your end-of-life expenses and don’t want your loved ones to face a financial burden, there are a number of options that are available. Often called burial policies, this policy can provide protection for your survivors and help them to avoid a negative financial impact upon your death. The main features of these types of policies include:

  • Available up to age 85
  • No physical exam
  • Some policies can be used to cover burial, medical expenses, and any debt

Choosing a permanent life policy to specifically cover your burial and other expenses will help you gain a strong peace of mind. Knowing that your estate will be handled without having to place a financial burden on anyone else is a great way to face this time of your life.

Find out more about this type of policy to see if it is a viable solution for your situation. Your local agent can review the available policies and provide the information you need.

There are solutions available!

Residents in the greater Blaine, MN area turn to the team at Deluxe Insurance Group for all of their insurance needs. If you have concerns about how your loved ones will cover your end-of-life expenses, we can help. Come by our office or give us a call today to learn more.

Protect Your Pet’s Health With a Pet Insurance Policy

If you have a pet, you probably consider them to be part of the family. They’re important to you, and you want them to be healthy and well. To help them have better medical care, you may want to consider pet insurance. If you’re in the Blaine, MN area and looking for an insurance policy for your pet, Deluxe Insurance Group can help. We understand the value of giving your pet the best in life and want to help you protect them as well as possible, for the long term.

Our knowledgeable agents are happy to talk with you about insurance plans that can benefit your pet and help with their medical care.

Pet Insurance: What You Need To Know

Preventative medicine is one of the best ways to keep your pet healthy. But sometimes, they get sick or injured even with the best of care from you. If that happens, you want to be able to take your pet to the veterinarian right away and get them the proper level of help they need to feel better.

If you’re not sure what kind of pet policy you need, or you have other insurance questions about your pet, it’s important to talk to trusted professionals who can help you. We can help you find the right type and size of the policy, and can also look at any pet coverage you currently have, to see if there are adjustments that need to be made.

Give Us A Call

Reach out to us at Deluxe Insurance Group today, if you’re in the Blaine, MN area and in need of pet insurance. We can work with you on a policy that meets your needs. Then you can enjoy time with your pet, and also have the added benefit of additional peace of mind for the future.

What dog breeds need pet insurance?

Pet insurance can help you save money on your vet bills for dogs and other pets. When deciding whether to purchase insurance for your dog in Blaine, MN, you may want to take your dog’s breed into account. All breeds can benefit from pet insurance, but some breeds may be more worthwhile to insure than others. Some breeds may cost more to insure, and some may be more likely to develop medical conditions that require costly care. 

Additionally, sometimes pet insurance does not cover hereditary conditions, and it usually doesn’t cover pre-existing conditions. 

How to know if pet insurance is worth it 

When deciding whether to purchase pet insurance or not, try to make an educated guess on the cost of healthcare for your dog with or without insurance. Ask Deluxe Insurance Group for a quote for your dog’s breed. Take that annual number and multiply it by your dog’s life expectancy. 

Then, research what conditions or health problems your dog is likely to face based on their breed. Talk to your veterinarian to estimate the cost of care for likely conditions as well as general care. 

Comparing these two numbers for your dog’s breed can help you determine if your dog needs pet insurance. In most cases, breeds that are less likely to need expensive care will also come with a lower insurance premium and vice versa. 

If you have a dog breed that has a higher insurance premium, it may be tempting to skip out on pet insurance. However, remember that these dogs are also more likely to require expensive care. If you don’t think you’ll be able to foot a vet bill that’s a couple of thousand dollars in a few years, pet insurance would be a good idea. 

Get Pet Insurance Coverage

For expert advice on pet insurance in Blaine, MN and surrounding communities, contact Deluxe Insurance Group today.

What Is The Difference Between Classic And Regular Car Insurance?

Classic car insurance provides coverage for vehicles under a certain model year. This type of coverage works well for cars with high restoration costs or collectible. It may be necessary to get classic car insurance if your car falls in the “collectible” category. These cars may also have high sentimental value, but they aren’t necessarily restored. 

Regular car insurance is for daily use. It offers the same levels of coverage as classic car insurance, but it is designed for cars that are driven often. This insurance usually has lower premiums than classic car insurance because it is expected to have more miles driven per year. To learn more, contact Deluxe Insurance Group in Blaine, MN. 

Who Needs Classic Car Insurance?

Classic car insurance is designed for cars that are 20 years or older. The insurance rates will be higher than regular insurance, and some companies may not even offer classic car coverage. Certain safety precautions must be taken when driving a classic car. Most importantly, the policy must be non-stacking, which means that if you cause an accident, your coverage will not be reduced. The rates for this type of policy tend to be higher than average, but the coverage comes with some significant benefits that may make it worth the cost. 

These policies tend to be a bit more expensive than average, but they come with significant benefits that may make them worth the cost. In addition, classic car insurance usually comes with an agreed-upon value that’s lower than the book value of the car. If the car is ever in an accident and it has to be replaced, you won’t have to come up with the difference between the book value and the agreed-upon value. 

Contact Us Today

Regular car insurance typically comes with a higher premium than classic car insurance. You’ll probably have to have a certain level of deductibles, but classic car insurance usually has a higher deductible than regular car insurance. Classic car insurance may be more affordable than regular car insurance if your car is worth more than a certain amount. 

Classic car insurance offers the same protection as regular car insurance, but it is designed to accommodate the owners’ needs of classic cars. It typically costs more than regular car insurance because classic cars are more expensive to repair if they are damaged. Give us a call at Deluxe Insurance Group serving Blaine, MN and surrounding areas for more insurance advice. 

Is Motorcycle Insurance Required?

With Minnesota home to an abundance of beautiful lakes and scenery, it is not surprising that the popularity of motorcycling has grown exponentially in recent years. Operating a motorcycle is far more challenging than a car because not only are you exposed to the elements with no modern safety equipment like airbags, but also you are only balancing on two wheels. Safely operating a motorcycle requires a heightened awareness of your surroundings from other motorists that may be distracted, to animals that could jump out in front of you, to sand, water and other elements on the road that could lead to an accident. Adequate insurance has never been more important than it is for motorcyclists and Minnesota requires that you carry at least minimum liability coverage to the tune of:

  • $30,000/$60,000 Bodily Injury Protection
  • $10.000 Property Damage Liability

Remember that these are only the minimum standards required by law and are likely to offer woefully inadequate coverage if you are involved in an accident. Therefore, Deluxe Insurance Group in Blaine, MN recommends that you purchase additional liability coverage to best protect your assets. Failure to have proof of insurance on your person or motorcycle after an accident or when stopped by a police officer can result in license suspension, fines, and even jail time for repeat offenders. Most motorcycle insurance policies will be mirrored to model personal auto policies and include collision, comprehensive, and liability coverage. Optional add-ons include coverage for custom equipment, roadside assistance, and OEM endorsement that requires your motorcycle to be repaired with new parts directly from the manufacturer.

For more information and to schedule a complimentary consultation, give the Deluxe Insurance Group a call or stop by our conveniently located office in Blaine, MN. We look forward to helping with all your insurance needs.

When Should I Review My RV Insurance?

Since your life isn’t static, why should your insurance remain the same from the day you bought it? It isn’t a “set and forget” insurance plan if you have invested in RV insurance. You should review your insurance policy at least once a year to ensure it covers your current insurance needs. Deluxe Insurance Group of Blaine, MN is here to give further guidance if you are unsure why and when you should review your RV insurance.

Why should I update my RV insurance?

You need to review your insurance to ensure that you pay for the proper coverage. This means that you are not overpaying or underpaying your insurance. This way, you will have the right balance of the premiums paid versus the risks faced.

Secondly, you need to update your insurance policy to smooth the claim process. Reviewing your insurance with your current needs ensures that your information is up to date and there isn’t any vague information to complicate your claim process.

When should I update my RV insurance?

You should always have a second look at your RV insurance at least once every year. However, sometimes you can update your RV insurance immediately when specific changes happen. Be ready to update your RV insurance if:

  • You reside in your RV full time
  • Change in personal details, including your name and location
  • You are staying with your pet in your RV
  • After the significant remodeling of your RV
  • When you buy additional personal items

Updating your RV insurance may increase your premiums, but the additional cost is negligible compared to your reviewed insurance coverage. Update your RV insurance today with Deluxe Insurance Group, and enjoy your RV stress-free because you know you are well-covered.

4 Reasons to Get a Valuables Policy on Top of Your Boat Insurance Policy

Do you intend to keep valuables on board your boat or watercraft? If you do, it’s a good idea to look into getting valuables coverage. You can talk to a knowledgeable agent from the Deluxe Insurance Group of the Blaine, MN area to get more information about this specific policy and much more. 

Find Out What’s Covered 

In many instances, the standard boat/watercraft policy you purchase won’t cover valuables. You’ll need to talk to your agent about the company’s offerings. If it doesn’t have a high enough coverage amount for items you may have on board such as a laptop, jewelry, and various equipment, you can get an additional policy that will safeguard you in the event there’s damage or a total loss of these items so that you shouldn’t have to pay out of pocket. The add-ons such as boat electronics that you put in likely won’t be covered by a basic policy. 

Don’t Double Up 

You won’t be able to add items onto your list for your valuables policy if you already have it covered under a different policy. If you’re unsure how this works, discuss your situation with an independent agent. You’ll also want to make sure that you create a top-notch inventory of what you’d like to have covered and provide your agent with proof of what each item costs. 

Valuables Boat Insurance Coverage You Can Trust 

When it comes to boat insurance policies, you can rely on Deluxe Insurance Group of Blaine, MN and beyond. We go above and beyond with our customers. Feel free to bring your questions and concerns to us. 

Partner Carriers

  • AAA
  • Acuity
  • Badger
  • Concord
  • Foremost
  • Grinnell
  • Kemper
  • Main Street America
  • MetLife
  • Nationwide
  • North Star
  • Progressive
  • Ram
  • Safeco
  • State Auto
  • The Hartford
  • Travelers
  • Woodland