DeKok Insurance Group, Inc.

507-226-8121 dekokinsgroup@gmail.com

Disappearing Deductible

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I am excited about the benefits some of the companies I represent offer the people who choose to insure here at DeKok Insurance Group, Inc.

An excellent example of this is what is called the disappearing deductible. What this means for my clients is this: over time, if you have no claims your deductible literally disappears. If you have a chargeable accident, the deductible reappears AFTER that claim is settled.

Want to learn more? Call my office at 507-226-8121 or email me at: dekokinsgroup@gmail.com

Jon

Got a Classic?

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Hagarty specializes in collector/vintage cars and boats. They’re a company FOR car guys run BY car guys.

Because they focus on classics, they are experts on valuation (their guys name is Rob) – which allows them to offer clients what they call Guaranteed Value Coverage. Their interest in classic vehicles includes knowledge on restoration, dealerships, storage facilities, and museums.

Hagerty’s Plus Roadside Assistance is an essential for collector owners. It covers flatbed towing, plus unlimited service for lockouts, battery replacements, and more – 24/7 in the U.S. and Canada.

I’m proud to represent this quality company here at DeKok Insurance Group. So far, I’ve been able to save my clients with collector vehicles money and I’ve given them superior coverage working with Hagarty.

If you’ve got a classic car or boat and want to know more, call me at 507-226-8121.

It’s a lot easier to enjoy the ride when you know you’re covered.

Jon

Family Fun

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I’ve been encouraged by my office assistant (and wife) to share a little bit about my life with you. So, each Friday I’ll try to do that.

My parents raised 7 children – some a bit more rambunctious than others, as revealed in this picture. I enjoy spending time with these unique individuals I’m proud to call my siblings!

Jon

Travelers

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Travelers Insurance Company is over 150 years old and has Minnesota roots. In 1853, then secretary of the Minnesota Territory, Alexander Wilkin saw the need for a local company to provide insurance coverage in case of fire. He and 16 other St. Paul businessmen established the St. Paul Fire and Marine Company. In 1866, they expanded insurance protection to include all accidents. According to the Travelers website, two claims of interest from those days include a ticket agent who broke his leg while trying to stop a runaway horse, and a carpenter who broke his collar bone when after getting tangled up in his dance partner’s hoop skirt.

In 1969, Travelers issued the first policy for space flight, lunar exploration, and the Apollo Astronauts.

Thirty years later, Travelers (in a joint effort with Bond and Personal Ins) was the first to offer Identity Fraud Expense Reimbursement coverage.

Travelers is represented by over 13,000 independent agencies and brokerages nationwide and they have reps in every U.S. state, as well as in Canada, Ireland, and the U.K.

You can learn more about their history at http://www.travelers.com/about-us/flash/history.html

In the past, I wrote a lot of commercial insurance. Working with Travelers (the 2nd largest provider of commercial insurance in the country) and some of the other companies I represent, I am looking forward to providing business/commercial insurance for my clients.

Are you paying too much for your commercial insurance? Give me a call at 507-226-8121 and let’s see.

Jon

Pet Insurance

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Joy and I are proudly owned by a brother and sister team of dogs. In the past, we have loved and lived with big dogs. Our last friend, Bandit, weighed in at 130lbs. It took us four years to recover from losing him although we still miss him.

Joy waited and then became determined it was time and she suggested we try consider a small dog this time around. On the way out the door she noticed me slide my checkbook into my pocket. For some reason, she decided getting a dog was no longer an option, but a done deal.

At the breeder, Joy watched as two pups seemed to “talk” something over nose to nose. In unison they walked over to me and gently latched on – one took my finger and the other the cuff of my shirt. Then, they just sat and looked at me. I thought they were cute, but so were the others.

Joy asked the breeder, “How much for two?” I told her she could only have one. She said, “Okay. You pick which one of those two we’re taking home.” I wrote a check for both of them. By the time we got in the car they had names. Sophie and Tucker.

We’re responsible pet owners who love their dogs. We were picky about finding just the right veterinarian, pay to have them groomed, and buy them the “good” dog food. Tucker has a problem with his pancreas and Sophie struggles with serious allergies. Their care can get expensive.

So – do we have Pet Insurance?

No. (although Progressive and some other carriers now cover pets injured in accidents as part of their regular policies)

You  might be wondering why I’d admit that. Well, although I make a living as an independent agent, I’m not only in it for the money. Serving my clients is as important as commissions. And, like you, I’m a consumer of insurance. I don’t want to pay too much either. We have not purchased medical or any other kind of pet coverage for the dogs we love because so far, it’s too expensive.

Am I opposed to Pet Insurance? No. If I could find a reasonable policy, I might consider purchasing coverage for them and I’d offer it to my clients as an option.

Many homeowners policies cover your liability as a pet owner. Whoever your insurance is with, call them soon and make sure you understand this coverage.

Jon

dekokinsgroup@gmail.com

507-226-8121