DeKok Insurance Group - DeKok Insurance Group, Inc.

Deer in the Headlights

December 20, 2011 By Jon DeKok

If you have an accident with a deer, it’s easy to assume the claim will be filed as a collision – after all the animal and car collided right? However, a deer hit is covered by your comprehensive protection.

Other incidents usually covered under your comprehensive insurance: theft, vandalism, fire, natural disasters, and collision with animals.

If you have questions about insurance in Minnesota, give me a call or email me at [email protected].

If you’re looking for quotes on your insurance, I am happy to tell you that 95% of the time I can offer you better polices at better prices.

Sincerely,

Jon

507-226-8121

[email protected]

[tweetthis]Deer in the Headlights. #DeerHit #MNInsurance #Comprehensive #Collision [/tweetthis]

graphic purchased from fotolia.com © Richard Waters – Fotolia.com

Ice Dams

December 15, 2011 By Jon DeKok

My wife likes the way icicles glisten in the winter sun. They can be pretty, but they are a symptom of something very unattractive.

An ice dam is the build-up of ice along the overhang of your roof. When the roof warms up in the sun or due to warmer weather, other ice and snow higher up on the roof melts, and the water forms a pool above the build-up of ice along the edge of your roof. At this point, the water can back up under the shingles and leak into your home.

The damage from this leakage is covered under most homeowner’s policies minus your deductible.

To prevent ice dams, remove the snow from the edges of your roof. This allows the moisture to drain and decreases the risk of damage inside your home.

Do you have insurance questions? Call my office at 507-226-8121 or email me at [email protected].

I look forward to hearing from you,

Jon

507-226-8121

[email protected]

[tweetthis]Ice Dams #Insurance #DeKokInsuranceGroupInc #Icicles[/tweetthis]

Graphic purchased from fotolia.com © Wirepec – Fotolia.com

Frozen Water Pipes

December 13, 2011 By Jon DeKok

With sub-below temps, what happens if your water pipes freeze?

Most homeowners policies cover damage caused by frozen water pipes minus your deductible. The policy will normally not pay for the actual pipe that burst, but all of the damage caused because of the burst.

Many policies also have an exclusion of coverage if your home is vacant more than 60 days if you haven’t drained the pipes.

Call me at 507-226-8121 (email dekokinsgroup@gmail) today to see how you’re covered.

Jon

Graphic purchased at Fotolia.com

Slip & Fall

November 29, 2011 By Jon DeKok

How does your homeowner’s policy protect you if someone comes on your property and has a slip & fall accident?

Homeowner’s policies include personal liability and medical expense coverage. For instance, if your homeowner’s policy has $500,000 limits on liability coverage and $5,000 limits on medical expense coverage and someone gets hurt on your property, your policy will cover the injured person’s medical expenses up to $5,000 regardless of fault. However, if as the homeowner, you were negligent in some area that caused the person to be injured, then you would have protection up to the $500,000 if necessary. It all comes down to legal liability if the claim is above the medical expense limit.

Contact me if you have other insurance questions.

Jon

507-226-8121

[email protected]

[tweetthis]How does your homeowner’s policy protect you in a slip & fall?[/tweetthis]

MetLife Auto & Home

November 9, 2011 By Jon DeKok

One of the companies I represent is MetLife Home and Auto. It’s possible when I work up quotes for you, they will come in with the best policies and prices. As a consumer, it’s nice to know a little bit about the company who is covering your property.

In 1863, a group of New York City business men organized the National Union Life and Limb Insurance company. They started selling policies to Civil War sailors and soldiers to protect against wartime disabilities. In 1868, the company changed from a casualty business to focus on life insurance. They named their new endeavor, Metropolitan Life Insurance Company. By 1879, they began selling industrial insurance door to door. These person to person meetings were so successful, that in 1909 Met Life had the largest number of life insurance in force in North America. They retain that position today.

They are now a global company with more than 90 million customers in more than 50 countries.

I work directly with MetLife Auto and Home and here is some information about their GrandProtect package: (They have others and when you call for a quote, I’ll see which would be the best policy/policies at the best price/prices for you.)

GrandProtect^®personal insurance protection in one convenient package, with features that meet your asset protection needs and simplifies your complex insurance needs, including your home valuable items, autos, RVs, and boats, by offering one comprehensive policy package.

A GrandProtect policy may be right for you if you’re seeking:

A higher level of coverage that goes beyond our standard policies
Comprehensive protection for your property in one policy package
One deductible for any one loss, even if more than one type of property is
damaged(ask me about these details)
Simplicity of one bill for your personal insurance needs
All of your personal insurance written by one provider: MetLife Auto & Home

Call (507-226-8121) or email ([email protected]) to find out if a MetLife Auto and Home policy is the right policy at the right price for you.

Jon

DeKok Insurance Group, Inc. Referral Program: When you tell your family and friends about your positive experience with my agency, and they call for a quote, I’ll send YOU a $20 Target gift card.

[tweetthis]Metlife Home & Auto #MetLife #GrandProtect[/tweetthis]