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Deluxe Insurance Group

912 125th Ln
Blaine, MN 55434

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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.

When is RV Insurance Required?

As a new owner of a recreational vehicle in Blaine, MN, you might be wondering when you need to have RV insurance. Deluxe Insurance Group has seen that many people have been struggling with this issue and have always been focused on offering the required solution. If this is something that has been disturbing you, here are some essential factors that you need to understand. 

When You Own an RV

If you own an RV, you are automatically required to have RV insurance by your state. It is essential to know that you cannot drive on the roads without the needed liability insurance coverage. However, at this time, you might just have basic insurance to cover some liabilities. The level of coverage that you may have depends on the state, but there are a few minimums you need to meet. 

When You Rent RV

Many people think that when they rent a recreational vehicle, they do not need insurance coverage. This is the wrong perception that has led many people into trouble. When you have a rented RV, you should know that the responsibility lies with you. However, you can always check with your RV renting company to see whether insurance extends to the rented car. 

Financed RV

If your recreational vehicle has been financed by one of the leading financial organizations, they’ll make sure that you have the necessary insurance. Lenders require that you have full coverage because they do not want to count losses when the recreational vehicle is written off in a fatal accident. 

However, it is crucial to indicate that there are some instances when recreational vehicle insurance might be optional in Blaine, MN. Deluxe Insurance Group can help you to understand these instances and whether you need to take any risks in such situations. Contact us for more information about this coverage.

Do I Need Boat Insurance in Blaine, MN?

Is it mandatory to have boat insurance to operate a boat in Blaine, MN? The short answer is NO! However, while it might not be a legal requirement, you need it for your own good. That’s why the Deluxe Insurance Group is ready to offer this coverage to protect your valuable investment. 

Even if you don’t fear theft or damage, there are still other liabilities you should be concerned about. In this short guide, we’ll show you why boaters need to buy boat insurance. 

What Does Boat Insurance Cover?

You can personalize your boat insurance to suit your specific needs. That way, you can cover your boat, passengers, personal items, and yourself.  

Here we’ll discuss some specific coverages you’re likely to get with boat insurance.

Boat Injury Liability

This policy protects you financially if your boat is involved in an accident that results in injuries to another person. It will stop you from making out-of-pocket payments to cover medical bills and income loss, among other losses. 

Property Damage Liability

Again, if your boat is involved in an accident that leads to property damage, this policy will have your back. 

Suppose another boat was damaged, or some other property was damaged by your boat. In that case, property damage liability will protect you from out-of-pocket expenses to cover the damage. Usually, the policy will apply in case of collision. However, it can still cover other situations such as oil spillage and wreckage removal. 

Get Boat Insurance Today

You’ve invested a considerable amount of money and time into your boat. There’s no way you’d want to risk such a hefty investment. That’s why you need to purchase boat insurance now to enjoy time with your boat stress-free.

Are you a boat owner in Blaine, MN? Contact Deluxe Insurance Group for more information about boat insurance.

Why does someone need to get flood insurance in Minnesota?

When you are in the Blaine, MN area, all of the lakes and waterways can make it a fun place to live throughout the year. As you are looking to buy a home in this area, getting the right insurance is very important. One great type of insurance coverage that all people should consider getting is flood insurance. There are a few reasons why people here need to get a full flood insurance policy in this area of Minnesota. 

Insurance Can Protect Property

The key advantage that comes with a flood insurance plan is that it can protect your property. The impact of a flood on your home can be devastating. In a lot of cases, it could require a full rebuild of your property. Unfortunately, base home insurance plans often do not protect against flood damage. To ensure your property is covered, you should get a full flood insurance plan that gives protection against this risk. 

Mortgage Lenders require insurance.

You should also get a flood insurance plan if your mortgage lender requires it. Most of the time, a mortgage lender will require that you get proper insurance to protect your home. If you are located in a flood zone, your lender will likely require that you carry this coverage at all times. 

If you want to get flood coverage and are in the Blaine, MN area, it would be a good idea for you to call Deluxe Insurance Group. There are many important factors and decisions that need to be made when looking for flood coverage. The team with Deluxe Insurance Group can help you to choose a plan that will properly protect your home and ensure you stay in full compliance at all times. 

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