MN home insurance - DeKok Insurance Group, Inc.

Flood Insurance & WaterDamage – What’s the Difference?

March 26, 2012 By Jon DeKok

Flood Insurance:

Flood insurance is a separate policy that is sold by insurance agents, but that is from the federal government. It covers damage caused by water moving on top of the ground that enters homes.

Water-backup Coverage:

This is a separate endorsement to your homeowner’s policy and covers damage from water that rises up from backed-up sewers, washtubs, sinks, toilets, and sump pump failures.

Call 507-226-8121 today to learn more about flood insurance and to see if you have all the endorsements you need on your homeowner’s policy.

Let’s get you covered,

Jon

[email protected]

[tweetthis]Flood Insurance & WaterDamage – What’s the Difference?[/tweetthis]

Specializing in home, auto business. umbrella, and life insurance for MN residents.

Choosing the Right Agent

March 2, 2012 By Jon DeKok

Hello everyone – Joy here.

I’ll tell you right away – this post is full of prejudice and favoritism.

Over the years, I’ve met a lot of insurance agents – really good men and women who work for good companies and serve their clients well. So, I can tell you this with a certain degree of experience: The best insurance agent I’ve ever met is Jon DeKok.

A client and I were talking the other day, and she said that she choose to insure with DeKok Insurance Group in part because Jon provided her with better coverage at a much better price, but also because she trusts him. Working with Jon on and off over the years, I’ve watched him in situations where other might compromise, but he acted with integrity every time.

Another client told me a couple of weeks ago that he insured with us because he wasn’t just buying insurance – he was choosing an agent.

A few weeks ago, another client, who didn’t save a ton of money, but who did get way better coverage said he choose to insure here because of Jon.

Getting excellent policies for less money is a good deal. Choosing the right agent turns that good deal into a great one.

You can trust Jon DeKok. I know this from personal and professional experience. He’s one of the good guys and in my opinion, the best insurance agent you’ll ever have.

One client sent Jon and email that said, “You rock!” He’s right – Jon does.

I didn’t ask Jon if I could write this blog – he’s out of the office today because it’s his birthday. He trusts me to take care of things on days like this, so I am.

Happy birthday, Jon – I’m so proud of you as a business man and thankful for the privilege of being your wife!

Joy

[tweetthis]Choosing the right agent. #MNInsurance #IndependentAgent[/tweetthis]

This blog belongs to Jon DeKok, Independent Insurance Agent

DeKok Insurance Group, Better coverage. Better Prices.

Specializing in Home, Auto, Umbrella, Commercial Property, Business, and Life insurance in the state of MN.

The Red Car Myth

January 26, 2012 By Jon DeKok

You may have heard that red cars are more expensive to insure and are often “targeted” by law enforcement officials. Let’s take a closer look at the what the statistics show.

More Expensive to Insure:

Insurance companies decide their rates based on statistics – not vehicle
color.

So why does it seem that red cars cost more to insure? To find the answer, we have to look at sales statistics. Sports cars are expensive and because they cost more to buy, they cost more to insure. The colors that outsell the rest are (in this order): red, black, and yellow.

Another factor: drivers of fast cars tend to speed more often than others.

Targeted by Law Enforcement:

Again, when looking at the numbers, this is another myth, we can bust. Law enforcement officers are targeting speeders and a high percentage of people driving expensive sports cars prefer speed. If you put these people in a
car of any color, they will exceed the speed limits and get ticketed more often. Statistics show these drivers usually prefer red and black cars – with red again being the number one choice.

When you combine the sales and driving statistics, it’s easy to see where the myth of red cars comes from, but the numbers bust it.

Jon

[tweetthis]The Red Car Myth. #RedCars #MNInsurance #Statistics[/tweetthis]

Specializing in auto, home, umbrella, business, and life insurance.

Graphic purchased at fotolia.com © -Misha – Fotolia.com

Cell Phones & Driving

January 10, 2012 By Jon DeKok

Most of us talk on our cell phones while we drive. This convenient source of communication is great in a roadside emergency, but it has a few dangerous negatives. Here are some facts I learned and want to pass them on to you:

According to the University of Utah, a driver talking on his or her cell phone while driving has the same response time as a driver with a blood-alcohol
level of .08.
People who use cell phones while driving are 4 times as likely to
get into accidents where they are injured.
Carnegie Mellon found that driving while talking on a cell phone
reduces the amount of brain activity associated with driving by 37%.
Police report that 25% of the reported crashes involve a
“distracted” driver. While not all of these distractions are caused
by cell phones, the majority are.

In a recent survey, 8 in 10 drivers supports some kind of cell phone and driving restrictions. 80% would apply a ban on all texting while driving. 80% would also support a ban on emailing while driving. Most of the respondents wanted varying degrees of other restrictions, and the majority believes such laws should apply to all drivers.

Jon

507-226-8121

[email protected]

[tweetthis]Cell Phones & Driving #DistractedDriving #DeKokInsuranceGroupInc[/tweetthis]

Ice Dams

December 15, 2011 By Jon DeKok

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]

[tweetthis]Ice Dams #Insurance #DeKokInsuranceGroupInc #Icicles[/tweetthis]