DeKok Insurance Group, Inc.

507-226-8121 dekokinsgroup@gmail.com

Making Change Easier – Let DeKok Insurance Group Shop for You

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Your  insurance rates just went up and you know it’s time to shop around. Then, you look at all the information required, for each company, and you decide change is too hard.

It’s different at DeKok Insurance Group.

Here’s how it works: You call (507-226-8121) or email (dekokinsgroup@gmail.com) me for a quote, give me your information once, and I start looking for the right coverage at the best price for you. When I’ve checked with several of the highest rated companies in the insurance industry, I call or email you with the quotes.

Then, you decide.

If you have any questions about quotes or the companies I represent, please feel free to call or email me.

Making Change Easier,

Jon

Email: dekokinsgroup@gmail.com

Phone  507-226-8121

Better coverage. Better prices.

Jon DeKok has been serving insurance clients for over 35 years. He specializes in home, auto, umbrella, recreational vehicle, business, and life insurance. He is licensed in the state of Minnesota.

When They Steal Your Identity

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Many insurance company’s have an Identity Fraud Expense Coverage. This is usually an endorsement added to your Homeowner’s or Renter’s insurance policy. This coverage is designed to help you get your identity back and cover the cost to restore your good name and credit.

For example – Travelers insurance has an endorsement which costs $25 per year. It will pay up to $25,000 per loss. They will reimburse these expenses in your resolution efforts.

  • Lost wages as a result of time taken off from work to deal with the identity theft – up to $1,000 per week for a maximum of five weeks.
  • Notary and certified mailing charges for completing and delivering fraud affidavits.
  • Fees to reapply for loans that were denied due to erroneous credit information caused by   the identity theft.
  • Long distance telephone charges for calling merchants, law enforcement agencies or credit grantors to discuss an actual identity fraud.
  • Daycare and eldercare expenses.
  • Attorney fees incurred, with Traveler’s consent, for:

– Defending suits brought incorrectly by merchants and their collection agencies

– Removing criminal or civic judgments wrongly entered against the victim

– Challenging the information in a credit report

If you have any questions concerning identity theft, or would like to discuss other insurance needs, feel free to call 507-226-8121 or email me at dekokinsgroup@gmail.com

 

Jon

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Personal Property Coverage

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Homeowners policies include coverage for personal property like clothes, furniture, yard maintenance equipment, etc.  Typically this personal property is covered on a named perils basis (fire, theft, est.) and a replacement cost basis (replaced with new).

That sounds good so far, right?  However, most policies also limit coverage on specific types of personal property such as – jewelry, fine arts, silverware, furs, guns, etc. For instance, you may have $10,000 worth of jewelry, and your basic homeowners policy limits it to $3,000.  If you had a loss, you might be a little unhappy.

Most companies offer a “Personal Articles Floater” endorsement that allows you to schedule the specific higher valued items. This endorsement normally gives “all risk” type coverage with no deductible. The cost is usually between 30 cents to 90 cents per $100 of coverage per year.

If you have one or more of these higher valued items, check your policy to see what the current limits are or feel free to call or email me. I will be happy to discuss this or any insurance needs you have.  507-226-8121

Jon

dekokinsgroup@gmail.com

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