DeKok Insurance Group, Inc.

507-226-8121 [email protected]

Renting a Car? How Are You Insured?

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Confident businessman undersign a car contract outdoors

Have you or your family flown somewhere for vacation, like Florida, California, or Hawaii? You are picking up your rental car, and the rental agency’s service person is asking you to purchase insurance for the rental car. Do you really need to purchase their extra insurance?

The State  of Minnesota has addressed this issue.  In short, if you have a personal vehicle insured in Minnesota, and you rent a vehicle, your current personal auto insurance policy will cover it anywhere in the United States. Even if you have only one vehicle insured and it is covered for liability only. The rented vehicle will be fully covered since coverage for damage to the vehicle extends from your personal auto’s Property damage liability coverage.

Here is the statement the State of Minnesota requites rental car companies to attach to their rental contracts  (65B.49, 2011 Minnesota Statutes).

“Under Minnesota law, a personal automobile insurance policy must: (1) cover the rental of this motor vehicle against damage to the vehicle and against loss of use of the vehicle; and (2) extend the policy’s basic economic loss benefits, residual liability insurance, and uninsured and underinsured motorist coverages to the operation or use of a rented motor vehicle. Therefore, purchase of any collision damage waiver or similar insurance effected in this rental contract is not necessary. In addition, purchase of any additional liability insurance is not necessary if your policy was issued in Minnesota unless you wish to have coverage for liability that exceeds the amount specified in your personal automobile insurance policy.”

If you have any questions concerning insurance coverage for a vehicle you are renting, please feel free to call 507-226-8121 or email me at [email protected].

Jon

Graphic purchased at fotolia.com   © WavebreakMediaMicro – Fotolia.com

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

[email protected]

[tweetthis]Personal Property Coverage – Are you covered? #Homeowers #Insurance #RochesterMN[/tweetthis]

What Can I Do For You as an Independent Agent?

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I became an insurance agent in 1981 as a captive agent. I agreed to provide insurance for my customers through one insurance company.  I was successful,  however, there were a lot of times my customers needed some type of coverage which was not available, or the rate was too high.  Also, if the company had a large rate increase, I had no alternative to offer.

I am now an independent agent and owner of DeKok Insurance Group, Inc..  We represent over 12 great insurance companies.  All have some of the highest ratings available. Which means, they are financially strong and treat their policyholders well.

As an independent agent, I am able to take your information and shop my companies for the best rates and coverage’s.  

As a customer of DeKok Insurance Group, Inc. you not only have a personal agent who is here for you, but you also have some of the best protection and lowest rates available anywhere at one place.

Some of the policies we write are – Auto Insurance, Homeowners Insurance, Mobil Home Insurance, Rental Dwellings, Boats, ATVs, Motorcycle insurance, Motorhome insurance, Business Auto Insurance and Business Owners policies of all kinds, including Workers Compensation.

Feel free to call, or email us for a quote request! Have a question about insurance in MN? 507-226-8121.

Jon

Better prices. Better coverage.

[email protected]

[tweetthis]Why an independent agent? #Insurance #RochesterMN[/tweetthis]

Serving MN clients for almost 30 years, I specialize in home, auto, umbrella, business, and life insurance.

Trust & Branding

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My wife Joy and I have been feeding birds in our yard for many years.  One of the things we like to do is put out grape jelly for the Orioles.  This year is no exception.  We purchased the same brand of jelly as before, but something had changed.  The consistency of the jelly was different. We put it out anyway, trusting the brand we had purchased.  I’m not sure what they did differently, but the birds were not as fond of it as before.  We tried a new, jelly, and the birds are loving it again.

The price of the new brand is a little higher than the original, but the birds we feed, like it a lot and know the difference.

Are you in a similar situation with your current insurance?

As an independent insurance agent, I represent over 12 insurance companies that many of you have heard of. They all have A or higher ratings by the insurance rating companies. This means they are financially stable and treat their policy holders well.

They are trusted.

We are confident we can offer most of our clients, and prospective clients, better coverage than they now have at better prices. Over 50% of the time, it is a substantial savings. Are you getting the best value for your insurance needs or has something changed? Please call (507-226-8121) or email me ([email protected]). I will find the best value I have to offer, and present it for your review.

 It’s easy!  It’s free! And, it may save you a lot of money!

Jon

 

[tweetthis]Trust and branding. What do orioles and grape jelly have to do with insurance?[/tweetthis]

Serving MN clients for almost 30 years, I specialize in home, auto, umbrella, business, and life insurance.

If you have any questions regarding your insurance or insurance in Minnesota, please call me at 507-226-8121.

Graphic purchased at fotolia.com © Riverwalker – Fotolia.com  

Got a Classic?

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Hagarty specializes in collector/vintage cars and boats. They’re a company for car guys run by car guys.

Because they focus on classics, they are experts on valuation (their guys name is Rob) – which allows them to offer clients what they call Guaranteed Value Coverage. Their interest in classic vehicles includes knowledge on restoration, dealerships, storage facilities, and museums.

Hagerty’s Plus Roadside Assistance is an essential for collector owners. It covers flatbed towing, plus unlimited service for lockouts, battery replacements, and more – 24/7 in the U.S. and Canada.

I’m proud to represent this quality company here at DeKok Insurance Group. So far, I’ve been able to save my clients with collector vehicles money and I’ve given them superior coverage working with Hagarty.

If you’ve got a classic car or boat and want to know more, call me at 507-226-8121.

It’s a lot easier to enjoy the ride when you know you’re covered.

 

Jon

507-226-8121

[email protected]

[tweetthis]Have a classic? #Hagerty #ClassicInsurance #Insurance #RochesterMN[/tweetthis]

Serving MN clients for almost 30 years, I specialize in home, auto, umbrella, business, and life insurance.

If you have any questions regarding your insurance or insurance in Minnesota, please call me at 507-226-8121.