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Deluxe Insurance Group

912 125th Ln
Blaine, MN 55434

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Do all people in Minnesota need motorcycle insurance?

Those that are in the Blaine, MN area may find that owning a motorcycle is a good idea. With a motorcycle, you can cruise around the community and enjoy the nice weather during the spring, summer, and fall months. If you want to get a motorcycle, it is also important to get insurance for it. Your motorcycle insurance plan will be required for a few reasons. 

Comply with State Law

One of the reasons that you should get insurance for your motorcycle is so you can comply with state law. If you are going to operate any type of vehicle in this state, you will have to continue to carry liability coverage. If you get a full motorcycle insurance policy, it will provide you with liability insurance that will keep you in compliance with state requirements. This will ensure that you can pay for damages in a collision and can help you avoid penalization.

Protect Your Investment

If you decide to purchase a motorcycle, you also are making an investment that you will want to enjoy and have paid off for a long time. If you get a full motorcycle insurance plan, it will provide you with the coverage necessary to replace or even repair your motorcycle if it is damaged or stolen. As it ultimately protects their collateral, your bank will also require you to have a full insurance plan if you have taken out a loan.

Those that are in the Blaine, MN area will always want to ensure they get a proper insurance plan for their motorcycle. If you are looking for a plan in this area, starting your search with the Deluxe Insurance Group will be helpful. The Deluxe Insurance Group can give any support that you need to build a plan that will keep you adequately covered and in legal compliance. 

Coverage for Minnesota Boat Insurance You May Not Know About

When you have a boat in Minnesota, you are not required to carry insurance on it unless your lender requires it. However, you might still want to have insurance coverage on it to protect you from the wide range of financial risks and liabilities you could have on the water.

At Deluxe Insurance Group, we want Blaine, MN boat owners to be able to have fun with their vessels without worrying about those liabilities. We can get you covered. There are a number of different options available for your boat insurance policy that you may not even know about.

Learn more about them here, and get your policy updated today.

Standard Coverage

The standard coverage for boats is liability coverage, which will cover you when you are in a collision and you are at fault. Liability coverage can also cover you if someone has an accident on your boat, or they are injured on your boat during an incident for which you are at fault.

You may also get some personal property protection coverage for your boat. Liability coverage will cover another party in the event of a collision, this coverage will cover yours.

Liability coverage could also cover you for spills and cleanup costs. If you spill fuel or oil into water, you may be fined for cleanup costs that can be covered by insurance.

Agreed value coverage is something you should discuss with your insurance broker. You may choose between the actual cash value and the agreed value. Actual cash value will refer to the cash value you could get for your boat that will reflect depreciation. The agreed value will be covered for a value for your boat that you and your insurance agent will agree on.

Emergency Towing

Emergency towing coverage will provide tows for your boat when you are stranded on the waters and need to be towed to shore. 

Broad Navigation Limits

This coverage allows you to go outside of the standard navigation limits of your current location. Your vessel is typically confined to a specific geographic area. If something happens and you are outside of that limit, this coverage will cover you from that risk.

Get a Quote

When you have a boat, you want to have the coverage you need for every possible risk. At Deluxe Insurance Group, we help Blaine, MN residents get the best coverage possible for their needs so that they can enjoy the water without the worry of risk. Call us for a quote today.

A Simple Guide to Your Flood Insurance

Do you have flood insurance for your home yet? If not, you need to call us at Deluxe Insurance Group near Blaine, MN, to get help. We can provide you with the guidance that you need to choose a high-quality policy option that will keep you from experiencing complications with your home.

Why You Need Flood Insurance 

The National Flood Insurance Program is a unique setup created by the Federal Emergency Management Agency to help people who experience floods. This network of around 60 insurance companies will provide policies covering various situations and giving money for damages. 

And this problem is vital to consider because floods are more common than you may think. Even if you don’t live within a flood zone, you could experience this dangerous problem. Without it, you’re going to end up with a lot of damage that could cost you a lot of money to fix correctly.

Finding a Great Policy 

The first step you need to take is to research a few different policy options. Many insurance companies provide coverage for a surprisingly reasonable price or may work with your home insurance policy to create a supplement that kicks into gear whenever a flood impacts your area unexpectedly.

Just as importantly, you must find an agent who you can trust. Try to find an insurance broker specializing in flood policies and who understands how to set them up. In this way, you can produce the kind of high-quality help needed to keep your home safe from the potential dangers of floods.

Let Us Help You

Don’t let your home get impacted by the dangers of a flood. Instead, contact us at Deluxe Insurance Group serving Blaine, MN. Our team will work with you to find a policy that suits you and produce the kind of high-quality option that makes the most sense for your needs as a homeowner.

Benefits of Condo Insurance

Owning a condo within Blaine, MN marks the start of your condo ownership journey, but like numerous people, chances are you have not thought much about purchasing insurance. This may be partly due to misconceptions surrounding the insurance sector or failure to understand what specific policies entail. Below, Deluxe Insurance Group details the benefits of condo insurance, helping you get insight on what to expect from your cover.

Protecting Your Personal Belongings

Condo insurance protects your belongings from covered perils such as fire, theft, and vandalism. When any of these occur, your policy will reimburse you for expenses incurred during repairs and replacement of your content. Examples of items protected by condo insurance include electronics, furniture, and clothing.

Protects You From Liability Claims

If your guests get injured in your condominium during a visit, condo insurance will help you cover their medical expenses. This can include examination fees such as X-ray costs and consultation fees. A condo cover also comes in handy when you or your family members damage other parties’ property. It ensures that any repair costs are taken care of along with replacement expenses. Lastly, legal fees are covered by your policy when you are sued and will also reimburse you for damages awarded.

Compensates You for Additional Living Expenses

If your condo suffers significant damage from covered perils, you will likely be required to seek accommodation elsewhere until your residence is repaired. Condo insurance pays for your additional living expenses during this period, with examples of covered costs being transport expenses, meals, and hotel accommodation.

Covers Your Interior Structures

Responsibility for the interior part of your condo rests on you, requiring you to keep fixtures such as cabinets, walls, and floors in the proper condition. When emergencies such as fires and vandalism occur, condo insurance will kick in and help you pay for the repairs and replacement of your condo’s interior structures.

Deluxe Insurance Group is the partner you need if you are looking for condo insurance that provides the above benefits. Contact us today to help you get suitable insurance for your Blaine, MN condo.

Life Insurance FAQs

When it comes to life, no one knows what’s next. It’s full of bad and good times. And one thing for sure is that we will all die at some point in life. But the question is if you die today, will your loved ones have financial problems? You probably have heard about life insurance and how it comes in handy in such cases.

However, we at Deluxe Insurance Group know that you have several questions that need to be answered before you decide on purchasing a life insurance policy. Let’s explore them.

What is a life insurance plan?

In simpler terms, life insurance is a financial contract that provides the nominee of the policy a certain amount of money determined in the individual’s policy, which is referred to as the sum assured. In turn, you pay a certain amount of money referred to as a premium for policy continuity.

What determines the premium of life insurance?

Different factors determine the amount of premium you pay. One major factor is your age. Others include your medical history, number of dependents, lifestyle habits, and your debts.

Who needs life insurance?

While not everyone needs life insurance, most people need it. Basic life insurance can cover your funeral and pay your debts if you have no dependents. For those with dependents, a life insurance policy will cover your bills, including your children’s education, in the event of your death. And that’s not all, business owners can invest in life insurance to ensure continuity of their venture even when they die.

Why should I invest in life insurance?

A life insurance policy comes with tons of benefits. They include:

  • Death benefits can be used to settle funeral expenses, debts, and dependents living expenses.
  • Flexibility to choose the term
  • It’s a saving plan
  • You can get a loan against your policy plan

Life insurance in Blaine, MN

If you live in Blaine, MN, and its surroundings, please contact us at Deluxe Insurance Group. We will be happy to answer all your questions regarding life insurance. And to purchase your insurance policy, call us today for an affordable quote.

Who Should I Name As My Life Insurance Beneficiary?

One of the most important aspects of any life insurance policy is designating a beneficiary.  It might seem like this should be an easy decision to make, but there are many considerations you should weigh before naming a beneficiary for your life insurance policy.  The team at Deluxe Insurance Group serving Blaine, MN is here to help you make this important decision.

The first thing to do is decide what you want to accomplish when naming your beneficiary.  If you are married and have kids, you’ll likely want to make sure that your spouse and children are cared for if something should happen to you.  If you are a business owner, you might want to name a partner as a beneficiary to ensure that your business stays afloat after you are gone, yet others choose a charity or non-profit organization to ensure their charitable giving continues after they have passed.

The next decision you’ll have to make is if you are going to name one or more people as beneficiaries. If you choose to name more than one person as a beneficiary to your policy, you’ll have to designate which percentage of the policy each beneficiary will receive. 

Once you’ve evaluated your needs and decided who your beneficiary or beneficiaries will be, make sure you keep your policy up to date.  For example, if you choose to name your spouse as your beneficiary and then you get divorced, you’ll want to make sure you update your policy and name a new beneficiary.  It’s wise to have a back up beneficiary in mind in case of major life changes or if your beneficiary should die before you do.

Contact the team at Deluxe Insurance Group serving Blaine, MN today for all your life insurance needs!

4 smart reasons to get pet insurance

Being a pet parent comes with many responsibilities. You bring them to live with you, and they become irreplaceable family members, and you take care of them as you would a child. That’s why when they’re not feeling well, you will do anything to make sure they recover as soon as possible. These responsibilities not only take a toll on your mental health but also your wallet. Pet food and vet care can be pretty expensive in Blaine, MN. If you are wondering how to cut down such bills, have you thought about pet insurance? If you have, Deluxe Insurance Group will help explain four significant benefits to help you make a decision.

Pets get injured

Whether you have the calmest dog or the most loyal cat in Minnesota, they can get into an accident that could leave you seeking loans such as broken bones. To get your pet to bounce back to its usual self, carry enough pet insurance.

 Veterinary bills can be too expensive

As more Americans become pet parents, the need for proper veterinary services is rising. This has led to improved medical technology in the veterinary industry for conducting examinations, testing, treatment, and medicine production. But, unfortunately, many pet owners can’t afford the price, and pets end up dying or having permanent conditions. 

Provides peace of mind

Like any other insurance policy, pet insurance offers you the peace of mind you deserve that your pet will be well-taken care of if they get sick or injured. The policy also allows you to choose the best veterinary services and veterinarians for your pet to get the best medical service available.

It makes you a responsible pet parent

We buy all forms of insurance to protect our cars, homes, boats, and motorcycles. So why not purchase pet insurance to protect your pet? Just like your children, your pets get sick or injured, and you may not always have enough money to pay for veterinary services in Blaine, MN.

Not sure how to go about buying pet insurance?  Deluxe Insurance Group can help you find a pet insurance policy that will take care of all your pet’s needs. Feel free to call us anytime to book an appointment with our team.

What are the benefits of having pet insurance?

Having a pet in the Duluth, MN area can be a great experience. While it is nice to have a pet with you at home, there are also many great outdoor parks and other sites in the area that you can explore with your pet. If you have a pet, caring for it properly is important. One way that you can do this is by getting the right insurance for it. There are several benefits that come with pet insurance.

Reduces Veterinary Expenses

The key advantage of having a pet insurance plan is that it can reduce your veterinary expenses. To ensure your dog receives good care, you need to bring it in for regular checkups and to receive necessary immunizations and other medication. Additionally, your pet may need prescription medication or a procedure at some point. If you have a pet insurance plan, it can help to reduce your personal costs when providing your pet with veterinary care. 

Open Network

As opposed to a standard health insurance plan for people, pet insurance does not typically have a tight network of professionals that you have to choose from. To receive the care and have it covered by your insurance plan, you can typically take your pet to any vet that you want. This is ideal for convenience and personal pet care preferences. 

If you are a pet owner, having pet insurance can be a great option. Those that are in the Duluth, MN area should always ensure that they are fully covered with insurance. The team with Deluxe Insurance Group (Duluth) can offer the support you need to choose an insurance plan. Deluxe Insurance Group (Duluth) will explain all the options available and can answer any questions so you know you are able to pick the right plan for your situation. 

3 Things to Know about Classic Car Insurance

Classic car events are popular in Blaine, MN, and the greater Minneapolis area. At Deluxe Insurance Group, we understand both the satisfaction and pleasure of driving one of these classic beauties. Before you set out to operate one on the road, there are a few things you should know about classic car insurance in Minnesota. 

State Law Defines the Qualified Years 

Each state defines what years are a classic, vintage, or antique classification. Each classification may have different registration requirements based on whether the vehicle is deemed to be a restoration or a kit car. 

In Minnesota, cars manufactured from 1925-1948 fall into the classic category. Other vehicles elsewhere defined as a classic car can include:

  • those with refined design or high engineering standards used in manufacturing
  • those created with superior craft and artistry
  • those operated exclusively with the intent of being used as a collector’s item

Not All Kinds of Vehicles are Defined as Classic

Local laws determine which vehicle types are classic and which ones are not. According to Minnesota state law, all commercial vehicles will not qualify as a classic. Vehicles that fall into this category include things like: 

  • commercial trucks or vans 
  • ambulances
  • hearses and more

Classic Military Vehicles

Military vehicles are treated a little differently. Being defined as a classic vehicle also falls into specific requirements for each state. In Minnesota, a military vehicle is a classic if the rig is: 

  • at least 20 years old
  • the first owner of the vehicle was a branch of the United States military
  • is currently owned by a non-profit organization as a collector’s item only

Contact Deluxe Insurance Group

Faithfully serving Blaine, MN, and the surrounding areas, Deluxe Insurance Group is happy to help you pick the right Minnesota classic car insurance. Contact us today for a free quote!

Is motorcycle insurance necessary for those in Blaine?

When you are in the Blaine, MN area and are looking for a mode of transportation, a motorcycle can be a good option. When the weather is nice and dry here, riding a motorcycle can be fun and efficient. As you are looking for a new motorcycle, it is also important to consider your motorcycle insurance needs, as it is necessary for most owners here. 

Coverage Needed for State Legal Compliance

A common reason people need to have a motorcycle policy is to comply with the state requirements around vehicle liability insurance. All motorists in Minnesota need to carry liability coverage at all times, which ensures that motorists can pay for any damages that they cause in an accident. If you are driving without it and are caught, you could face a few different penalties. 

Coverage Needed to Protect Asset

If you are going to invest in a new motorcycle purchase, it will be an asset that you want to ensure is always properly covered and protected. With a full motorcycle insurance plan with collision and comprehensive protection, you will have the coverage needed to replace it if the asset is stolen or damaged through an accident. This type of coverage is also always a requirement if you have taken out a motorcycle loan to purchase the asset as the lender will want to protect their collateral.

Motorcyclists all over the Blaine, MN area need to ensure that they have a full and proper motorcycle insurance plan in place at all times. As you are looking for a new insurance plan, calling the Deluxe Insurance Group could be helpful. The team with the Deluxe Insurance Group can offer the support needed to pick a plan that is right for your situation.

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