DeKok Insurance Group, Inc.

507-226-8121 [email protected]

Top of the Line Companies I Represent

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The greatest benefit of working as an independent insurance agent is being able to get quotes from several of the top companies in the industry. The I represent the following companies that always rank high in reviews and ratings:

  • Nationwide (Allied)
  • AAA Insurance
  • Wilson
  • Travelers
  • Safeco (Liberty Mutual)
  • Met Life Auto & Home
  • Employers
  • Haggarty
  • Dairyland
  • Progressive
  • Foremost (Farmer’s)

With these companies behind me, I’m able to save most of the people who call my office for a quote a substantial amount of money on their insurance.

Are you one of them?

Jon

507-226-8121

Graphic purchased at www.fotolia.com  © vege – Fotolia.com

Safeco Insurance

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As an independent agent, I want to represent companies that will provide my clients with top-notch insurance coverage on their homes, autos, businesses, as well as the vehicles they enjoy for pleasure. Safeco assists me in this endeavor.

Safeco Insurance is part of Liberty Mutual Agency Corp company. Liberty Mutual has been in business over 50 years, is a Fortune 100 company and is the 5th largest property and casualty company in the U.S. Another important fact: A. M. Best Company rates this company as an “A” for excellence.

Have a classic car? Safeco offers you choices based on the way you drive your classic. Regular Use Coverage is for the owner who drives their classic daily. Restricted use Coverage is for those who drive less than 5,000 miles per year. They also offer Comprehensive Coverage if you store your vehicle during the winter.

With flexible deduction options and a broad range of classic designations, Safeco allows you to tailor your policy to your needs.

Are you a boat owner? Safeco offers a full-coverage policy that includes:

Collision damage

Fuel spill and wreckage removal at no extra charge

Up to $500 in on-water towing and labor costs

Discounts for completing an approved safety course.

Personal effects coverage (including all your fishing gear and other personal property) – up to $750 (the Captain’s Package option increases this coverage to $2500 and includes roadside assistance for listed trailers)

And more.

Got your cycle covered? Safeco’s motorcycle rates are highly competitive. Discounts are offered to riders who store their bike in a garage, belong to certain rider’s clubs, or you complete a certified safety course. You can receive additional Safety Apparel Coverage of up to $1000 at no extra charge and Option Custom Parts Coverage will pay for your first $3,000 in replacement parts.

Safeco also offers additional savings if we write your home and auto with them.

Enjoy camping? Safeco has policies that cover your motor home, trailer, or camper. You can choose from a wide selection of coverage and deductible options and can add coverage on your audio, visual, and custom equipment. If you store your vehicle in the winter, you can reduce your insurance to comprehensive only and save while still protecting your investment. If you have additional safety features, be sure to let us know – these may mean additional savings for you.

Safeco says, “We have serious insurance for the fun part of your life.”

It’s possible I can save you a substantial amount of money on your insurance working with Safeco or another A-rated company I represent. Find out today – call me at 507-226-8121 or email me at: [email protected]

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

[email protected]

507-226-8121

Substantial Savings for Everyone?

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I recently gave a client a quote for $30 per year less than their current insurance carrier. Another quote came in at only $6 less per month.

So, how can I claim to have saved those insureds a substantial amount of money? And, why did they purchase their insurance from me?

The policies I quoted provide them with better coverage with higher limits of insurance (needed in both cases) at lower deductibles. So while at first glance the effort of changing hardly seems worth the effort, in reality, they are saving hundreds of dollars per year and have greater peace of mind.

The majority of my clients are saving from $100 to $500 per year. When the companies I represent offer them better coverage for those savings, I am confident when I ask. . .

If I could save YOU a substantial amount of money on your insurance, would you be interested in a quote?

Providing clients with this double kind of savings makes my job doubly rewarding.

Jon