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Deluxe Insurance Group

912 125th Ln
Blaine, MN 55434

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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. 

Why is Condo Insurance So Important?

Once you finalize your condo deal in Blaine, MN, contact your Deluxe Insurance Group agent to learn more about condo insurance. An individual condo policy will protect the interior of your condo and its contents, i.e., your personal belongings, from unfortunate events like fire, vandalism, storm damage, and more. Without insurance protection, you run the risk of paying for interior repairs or replacing lost goods independently. Here’s why condo insurance is such an important investment.

Disasters Happen

Natural disasters are on the rise and often occur without warning. Minnesota is prone to such disasters as severe winter storms, tornadoes, and wildfires, putting condo owners at risk of damage to their property. You can’t predict when a disaster will strike, but you can prepare for the unexpected by purchasing condo dwelling and property coverage. If a natural disaster damages the interior of your condo or your possessions lost, condo dwelling and property coverage will compensate you for your loss. This financial support could be a lifesaver when you need it most.

Accidents Happen

Condo liability coverage protects you against accidental injuries that people may have when visiting your condo. This includes broken bones from slip and falls, and kitchen burns dog bites, and more. If an unexpected accident sends a dinner guest to the hospital for medical treatment, liability insurance will cover his medical costs. This saves you from having to pay these costs on your own. With liability coverage, you can have people over for BBQs, birthday parties, or family gatherings without worrying about the risk of accidents in your condo.

Condo insurance offers financial security against the unexpected so that you can enjoy condo ownership to the full. To purchase a condo policy for your Blaine, MN condo, contact your Deluxe Insurance Group agent today. 

What Type of Life Insurance is Best for Me?

Generally speaking, as we age, our responsibilities increase, and those that we care for becoming more important and costly. Consequently, having a life insurance policy is one of the most foolproof ways to ensure that your family is cared for and financially secure should something happen to you. There are multiple types of life insurance policies – all with unique benefits and several disadvantages. Working with a professional team such as Deluxe Insurance Group in Blaine, MN is one of the best ways to ensure that your interests are best represented because we’ll take the time to explain all your options and customize a policy that works for you and your family.

When it comes to life insurance policies, there are two main types: term and whole life. As the name implies, term life insurance is valid for a specific number of years – usually 10, 15, or 20 – and remains in effect as long as you continue to pay the policy premium. Conversely, whole life insurance remains in effect for the duration of your life, starting from the moment the contract is signed and assuming that the annual premium is paid per the policy’s terms. Term life insurance is less expensive, but it comes with a finite number of years, whereas whole life is costlier but lasts longer and includes an investment component that can be borrowed against in a pinch. 

Whichever type of life insurance you choose, it is important to purchase enough of a policy to cover your anticipated expenses and debts after you die. For instance, if you are the primary income owner in your household and you will leave behind an outstanding mortgage plus items like credit card debt or need to pay for college for your kids, then you’ll want to make sure your life insurance policy provides enough money to pay these costs. Give Deluxe Insurance Group a call, and we’ll help you with all your life insurance needs.

Auto Insurance Myths Minnesota Residents Should Be Aware Of While Researching Policies

Deluxe Insurance Group serves the Blaine, MN community by offering residents multiple types of insurance coverage. We strive to help our clients plan for the future by having insurance that will cover them in any situation.

Auto Insurance Myths

While you are traveling around Blaine, MN, and the surrounding areas, auto insurance will help you protect your vehicle. The policy covers you if you are involved in an accident or if your vehicle is vandalized or stolen. While you are researching different policies, avoid some of these common auto insurance myths.

Car Colors Matter

The color of your car does not impact your policy. This is a common myth that isn’t true. Your policy may be adjusted due to the type of vehicle, but your car color is irrelevant.

One Ticket Will Severely Damage My Policy

This is incorrect. A minor ticket will not negatively impact your policy. Yes, you must have a safe driving record, but accidents happen. If you have an established track record of safe driving, one ticket will not impact things.

My Personal Items Are Covered

Your personal items that you have in the vehicle are not covered through your auto insurance policy. In order to properly secure your personal items if they are stolen out of your vehicle, you will have to look into another type of coverage.

I Can Cover Vehicles Used For My Business

If you have a vehicle that you use for business-related purposes, you cannot cover the vehicle under your traditional policy. You will need a different set of coverage options for your business-related vehicles compared to the vehicle you operate for personal usage.

Consult With Deluxe Insurance Group

Visit our website today to learn more information about auto insurance policies.

What to Consider When Purchasing Home Insurance

At Deluxe Insurance Group in Blaine, MN, we know that buying a home is a considerable investment. We offer the right home insurance policies to help you protect that investment. 

What Does Home Insurance Cover

Home insurance typically covers the structure of your home and your personal belongings. It may cover other buildings on your property as well. Many policies will also cover your living expenses if you have to vacate your home while repairs are being made. 

If you have valuables like antiques or jewelry, you may need to add extra coverage to your policy, so they are adequately insured. Home insurance doesn’t just protect your investment in your property. It covers liabilities that occur on it as well. If someone slips and falls on your steps, for example, your policy will cover the party’s medical expenses. 

Coverage Limits and Value

Replacement value is what it would cost you to replace your home or belongings. Actual cash value is what your property is worth. It’s recommended that your policy cover at least 80% of the replacement value of your home. Coverage limits will vary by policy. Your policy will have coverage limits for the house itself, your personal belongings, and liability. You’ll need to make sure each of these provides adequate coverage. 

Deductibles and Premiums

The deductible is what you have to pay before your policy coverage kicks in. Premiums are what you pay for the policy. Higher deductibles usually provide lower premiums. Higher coverage limits often raise premiums. However, the home itself plays a role in your premiums as well. Dogs and swimming pools can increase your premium. A security system can lower them. 

At Deluxe Insurance Group in Blaine, MN, we know that selecting a home insurance policy is a crucial decision. Our agents will speak with you about your specific coverage needs and help you find the policy that’s right for you.  

Do you need professional liability coverage for a product business?

One of the most essential yet overlooked types of business coverage in Blaine, MN is professional liability insurance, also known as professional indemnity or errors and omissions insurance. The main reason why you need this coverage is to show professionalism as all businesses claim to be perfect in what they do, whether in service or product delivery. If you are wondering whether you need professional liability coverage for your product business, the Deluxe Insurance group can help you determine that in this article. So, why do you need professional liability coverage?

Professional liability coverage encourages other business opportunities.

Some companies, organizations, and private clients prefer to work with certified product sellers who have professional liability insurance. This coverage assures your clients that you will deliver goods according to customer request. It also gives you a competitive advantage over other business owners who don’t have the coverage.

It protects your investments.

Since professional liability insurance focuses on lawsuits, you never know when a customer will sue you for delivering damaged goods or poor-quality products. You can even be sued for failing to deliver the right product or full quantity. Lawsuits are naturally expensive and can lead to substantial financial losses if you have not protected your business with professional liability insurance.

Sometimes it is a requirement.

Some industries require individuals to carry professional liability coverage as they are highly risky. For instance, a company that manufactures and supplies products to the government or other large organizations might need to have professional liability insurance in order to be allowed to supply. That ensures that there is compliance with industry standards and professionalism.

Professional liability coverage is an essential tool for any business owner in Blaine, MN. Running your business without one could mean missing out opportunities or even worse, ending up losing to lawsuits filed by dissatisfied customers. Feel free to speak to our experts at Deluxe Insurance Group, and we will be happy to help.

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