DeKok Insurance Group, Inc.

507-226-8121 [email protected]

Ice Dams

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Ice Dams, DeKok Insurance

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]

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Frozen Water Pipes

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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

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Slip & Fall

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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]

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MetLife Auto & Home

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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

Red darts target aim on white background.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]

Travelers – A Repost With an Update

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I opened the doors to DeKok Insurance Group over 5 years ago. One of my goals was to be directly appointed with companies that would provide my future clients with the best policies at the best prices. Travelers is one of the companies that has done that this past year. They are one of the 15 companies I work with as an independent agent and the partership is serving my clients well.

I posted the folllowing information here last Februrary. I wanted to share it with you again today.

Jon

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 here.

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

Jon