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Deluxe Insurance Group

912 125th Ln
Blaine, MN 55434

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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.

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. 

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.

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