DeKok Insurance Group, Inc.

507-226-8121 [email protected]

Is It Important to Have Better Coverage?

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Driveway of Traditional Craftsman House

First to answer this question we need to know, better coverage than what? What I mean is better coverage than you now have.

On auto insurance, it might be the right thing to look at what limits of coverage you have if you are at fault in an accident and someone sues you. This coverage is Bodily Injury and Property Damage liability. If you currently have a $100,000 limit and your total assets are worth more than that, better coverage (like higher limits), could save you a lot of heartaches later.

On your homeowners insurance, it may be making sure your dwelling limit is protected by having increased replacement cost coverage. It could also be having special form (all risk) coverage on your personal property as well as your dwelling. Do you have coverage if the sewer or drain backs up? If so, what limit have you chosen? Are your firearms covered at a high enough limit? Most companies limit coverage for firearms without an endorsement.  Safeco Insurance does not limit coverage for your firearms (other than the total personal property limit).

Please call, email me, or stop in. I will be happy to go over the coverage you now have and suggest area’s where it may be important to have better coverage.

Jon

Email: [email protected]

Phone  507-226-8121

Better coverage. Better prices.

Jon DeKok has been serving insurance clients for over 30 years. He specializes in home, auto, umbrella, recreational vehicle, business, and life insurance. He is licensed in the state of Minnesota.

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No Parent Insurance

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My dad passed away March 3, 2010 at age 87. My mom passed away December 13, 2012 at age 90.  So within a three year period of time my siblings and myself find ourselves parentless.

I have to tell you I miss them a great deal. They weren’t only my parents, they were my best friends. I had the great fortune to go out, visit and have coffee with them for about an hour or so each week for the last 30 years. I could not imagine them not being home.

The passing of life is so final and seems so short once its gone. There are some things you can’t buy insurance for, and one of them is keeping your parents young, healthy, and alive. One of the promises the scripture gives to those who believe in Jesus is  ” to be absent from the body is to be present with the Lord.”  Because of their faith in Jesus and my faith in Jesus I believe we will see each other again, and that gives me great peace!

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Jon

Jon DeKok DeKok Insurance Group, Inc.

Email: [email protected]

Phone  507-226-8121

Better coverage. Better prices.

Jon DeKok has been serving insurance clients for over 30 years. He specializes in home, auto, umbrella, recreational vehicle, business, and life insurance. He is licensed in the state of Minnesota.

 

Making Change Easier – Let DeKok Insurance Group Shop for You

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Your  insurance rates just went up and you know it’s time to shop around. Then, you look at all the information required, for each company, and you decide change is too hard.

It’s different at DeKok Insurance Group.

Here’s how it works: You call (507-226-8121) or email ([email protected]) me for a quote, give me your information once, and I start looking for the right coverage at the best price for you. When I’ve checked with several of the highest rated companies in the insurance industry, I call or email you with the quotes.

Then, you decide.

If you have any questions about quotes or the companies I represent, please feel free to call or email me.

Making Change Easier,

Jon

Email: [email protected]

Phone  507-226-8121

Better coverage. Better prices.

Jon DeKok has been serving insurance clients for over 35 years. He specializes in home, auto, umbrella, recreational vehicle, business, and life insurance. He is licensed in the state of Minnesota.

Attractive Nuisances

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What is an Attractive Nuisance?

An attractive nuisance is something that is so interesting that it would entice a child into entering another’s property. For instance, many courts require that the object be man-made and many require that you “maintain” the nuisance in order to be liable. This would mean that ponds or lakes are generally not attractive nuisances.

Some of the typical attractive nuisances include:

  • Swimming pools and fountains
  • Machinery (lawnmowers, weed trimmers, etc.)
  • Wells and tunnels
  • Dangerous animals
  • Paths and stairs
  • Construction materials
  • Trampolines
  • Empty buildings

How can you protect yourself from liability?

Taking some basic actions to prevent injury goes a long way toward avoiding liability. Courts usually punish people who didn’t seem to care or put any effort into encouraging safety. In short, you should do whatever it takes to prevent a child’s access to the nuisance.

If you have any questions about attractive nuisances, please feel free to call or email me.

Jon

[email protected]

phone  507-226-8121

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 gift card.

 

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Better Coverage

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One of the goals I have as an independent insurance agent is to offer better coverage than you now have and do it at a better rate.

What do I mean by better coverage? Depending on your needs, it may be higher limits of coverage, or it may be the policy we offer has a broader and more comprehensive range of coverage’s.

For instance higher limits of coverage on an auto insurance policy may be that your current limits for Bodily Injury liability are at $100,000 per person – $300,000 per occurrence. In most cases, I am able to offer a substantially higher limit for a small increase. This increased limit could be $250,000 each person – $500,000 per occurrence, or as high as $1,000,000. When it comes to a serious claim, this change could make a huge difference in your life.

An example of broader coverage would be a homeowners policy including identity theft coverage, or special form coverage (all risk of physical damage) on your personal property instead of  “named perils” coverage.  We can also include increased building limits coverage at 25, 50, or 100 percent. Meaning if your dwelling limit was $200,000 and it took more than that to replace it, that $200,000 limit would be increased by the percent you have ($200,000 X 125 percent), ect..

Another type of better coverage could be disappearing  deductibles.  One of the companies I write motorcycle insurance through includes this feature (if you have no comprehensive or collision loss, the deductible is reduced by 25 percent per year).

This list of better coverage’s could go on and on, but you get the idea. Better coverage at better prices.

If you would like to see what we can do for you, please feel free to call 507-226-8121, or email me at [email protected].

Jon

DeKok Insurance Group, Inc.

[email protected]

507-226-8121