DeKok Insurance Group, Inc.

507-226-8121 [email protected]

Fear of Turning in an Auto Insurance Claim

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Clients often ask, “How will this auto insurance claim impact my insurance premium?” Your concern is a valid one, and I want you to know that as an independent insurance agent, you have options. 

There are many types of auto insurance claims. They range from small ones like “Roadside Assistance” all the way to “Bodily Injury Liability”.  Most insurance companies increase your premium if you have a chargeable claim (where you are are considered “at-fault), and the damage goes above their threshold.  Some companies will forgive this surcharge if you have been insured with them 3 to 6 years.

One of the popular endorsements that many insurance companies now offer is designed to give you peace of mind concerning turning in an auto insurance claim.

This coverage has different names depending on your company. It is accident forgiveness and minor violation forgiveness coverage.  This endorsement protects you from an increase in your auto insurance due to a chargeable accident and/or a minor violation. Typically this is based on a three-year term.

Check your coverage to see if you have this coverage, or feel free to call me at 507-226-8121 or email me at [email protected] for a review.

Sincerely,

Jon DeKok

DeKok Insurance Group, Inc.

Arrow SetDeKok 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 gift card.

 

[tweetthis]Claims & premiums #AccidentForgiveness #AutoInsurance #IndependentAgent[/tweetthis]

[tweetthis]What is #AccidentForgiveness? #independentagent #AutoInsurance [/tweetthis]

Life Insurance Matters

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AMothersWish

Photo and video credit.

When we received this video, we knew the sender had shared something special. Something we want all of you to think about. Because life insurance matters – sometimes even before you’re gone. Click the link below to watch this true-life story.

When Jackie Blanchard’s husband died at a young age, with only enough life insurance to pay for his funeral, Jackie vowed that her young daughters, Ebony and Shanna, would be financially secure if anything ever happened to her.

A Mother’s Wish Life Happens

Recently, we’ve lost friends who our age (in their fifties). While our first concern is their emotional well-being, we often wonder if they are financially protected as well. Unless we’re asked, it’s none of our business, but that part of the family’s future matters to us also. As our clients, that part of your insurance portfolio matters a great deal to us.

We want to be sure you and your family are well-covered in you saddest of days. 

If you, or someone you care about, needs life insurance, give Jon a call at 507-226-8121 or email him at [email protected].

Until Next Time,

Joy

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Joy DeKok, Marketing Specialist for Jon DeKok of DeKok Insurance Group

Arrow SetDeKok 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 gift card.

 

[tweetthis]Life Insurance Matters #LifeInsurance #MNIndependentAgent[/tweetthis]

Flood Insurance – DeKok Insurance Group, Inc

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DeKok Insurance Group Inc, flood insurance

 

Sometimes people think about flood insurance too late, and their losses are great. The right coverage is available to all Minnesota homeowners. To find out how to protect your family, your home, and your personal property, call me at 507-226-8121 or email me at [email protected]. 

All flood Insurance is offered through the National Flood Insurance Program: http://www.fema.gov/business/nfip/. Though the government actually provides flood coverage, at DeKok Insurance Group, Inc., I issue this policy in the event of flood damage to your insured property.

Don’t assume that you’re covered, and don’t wait until the river is rising. Call soon. Your questions are important to me. The old saying “better safe than sorry” is true when it comes to insurance. 

Jon

 

Email: [email protected]

Phone  507-226-8121


Arrow SetDeKok 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.

 

Graphic purchased from Fotolia and used with permission. © federicocandonifoto – Fotolia.com

 

Valentines Day – When You Say Be Mine With Jewelry

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Have some new jewelry in the house? Protect it!

Valentines Day, Jewelry, DeKok Insurance Group Inc.

Valentine’s Day is near, and love is in the air. Well, love and a few other things, such as chocolates, romantic dinners, candy hearts that say “Be Mine” – and, maybe, jewelry.

It’s exciting to receive jewelry from a loved one — or to give it as a gift. Not to mention romantic. But if you’re lucky enough to have some new jewelry in your home this Valentine’s Day, you should take a few minutes to think about something you probably don’t find exciting or romantic: insurance.

Don’t know where to turn? Don’t worry. At DeKok Insurance Group, I can help and am ready to help and can answer all of your jewelry coverage or other insurance questions.

Things to consider when insuring jewelry:

  • You may need to purchase additional coverage. Your homeowners policy covers valuable items such as jewelry only up to set amounts. If the cost of replacing your jewelry exceeds that limit, you will want to purchase scheduled personal property coverage. You can check your policy or give us a call at 507-226-8121.
  • You might want to reconsider your deductible amounts. As always, this impacts your policy premium. It’s a good idea to take a look at your deductibles whenever you make a change to your policy.
  • Do you need an appraisal? You may need to have an independent appraisal if the insurance company requires it or if you don’t know the value of your jewelry. Each item should be listed with a description and value on paper.
  • What kind of coverage is offered? You’ll want to determine if items are covered no matter where they are, whether they’re in Minnesota, or on an international trip, and if the policy offers full replacement cost. You also should ask if you will be required to replace your jewelry if lost or stolen, or if you can simply keep the cash settlement.
  • Pictures can be helpful. Lost or stolen pieces of jewelry sometimes can be recreated if the jeweler has a good photograph to work from.
  • Should I go with a company that specializes in jewelry insurance? There are companies that specialize in jewelry insurance. Whether you choose one of these, or a company that we represent, you’ll want to make sure they are reputable and stable.
  • Is the value of your jewelry mainly sentimental? Is an item irreplaceable? If the answer to either of these questions is “yes,” you might consider foregoing insurance. But please, give me a call before making that decision. That’s what I’m here for.

Of course, it’s important to store your jewelry securely when it’s not in use; a safe in your home or a safe-deposit box is best. We want your jewelry to be replaced if it’s lost or stolen, but we’d rather your sentimental and valuable pieces stay with you and your family for years to come.

Here’s hoping your Valentine’s Day is full of fun and romance. And if there’s no jewelry involved, well, there’s always next year!

Jon

Email: [email protected]

Phone  507-226-8121


Arrow SetDeKok 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 gift card.

[tweetthis]When You Say Be Mine With Jewelry #ValentinesDay #Jewelry #Insurance[/tweetthis]

Content provided by DeKok Insurance Group & Safeco Insurance

Graphic purchased from Fotolia and used with permission  © Stanislav Prokopenko – Fotolia.com

Why an Independent Insurance Agent?

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Jon DeKok photo1a

Not all insurance agents are the same. Choosing the right one can make a big difference – in price, service, and value.

With other agencies, you get one company that sells one brand of insurance. With an independent insurance agency like DeKok Insurance Group, Inc. you get choices.

Why? Because independent insurance agencies, like DeKok Insurance Group, represent a number of different insurance companies, and can compare coverage and prices to find the best possible value for your individual circumstances. As independent agents, we are members of the Rochester and surrounding area (Joy and I live near Pine Island) community, and we’re committed to doing business face-to-face and being your advocate in times of need.

Serving Rochester and the surrounding area and the state of Minnesota, here are a few reasons why Jon DeKok should be your first and last stop when looking for insurance.

  • We work for you when you have a claim.
  • We are not beholden to any one company. This means you don’t have to change agencies as your insurance and service needs change.
  • We are your consultants, working with you as you determine your needs.
  • We are value-hunters who look after your pocketbook in finding the best combination of price, coverage, and service.
  • We offer one-stop shopping for a full range of products, including home, renters, auto, business, life, health, and retirement plans.
  • We can periodically review your coverage to keep up with your changing insurance needs.
  • We are committed to customer satisfaction – it’s the key to our livelihood.
  • We treat you like a person, not a number.
  • We are licensed professionals with strong customer and community ties.

There is a difference. To find out how our independent insurance agency can help you find the right insurance coverage, please contact us today. Give us a call today at 507-226-8121 or email me at [email protected].

I look forward to answering your questions and giving you a no-cost quote on your insurance.

Jon

Email: [email protected]

Phone  507-226-8121

Arrow SetDeKok 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 gift card.

[tweetthis]Why an #IndependentAgent? #MNInsurance #DeKokInsuranceGroupInc, #Insurance[/tweetthis]