DeKok Insurance Group, Inc.

507-226-8121 [email protected]

Pet Coverage

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Some of you know we have two dogs – Sophie and Tucker. Joy would tell you we love our dogs and the truth is – we do.

Many of us travel with our pets, even if it’s just to the grocery store or the gas station. Have you ever wondered what would happen if you had an accident and your pet or pets were in the car with you? Several of the companies I represent have different levels of coverage for injured pets. Since my focus this week is on Progressive, I thought I’d share this with you. It’s taken directly from their website.

Pets are family, too!

You take them to the park, to the groomer’s, and out for joyrides…we’re talking about your pets. And we think they should be covered by your auto insurance policy.

That’s why Progressive was the first to offer Pet Injury coverage and is now happy to offer up to $1000 worth of coverage for your dog or cat if they’re injured when you’re in a car, RV, boat, PWC, or commercial auto accident or during a car, RV, boat, PWC, or commercial auto fire or theft.

And, it’s free. Progressive’s Pet Injury coverage is automatically included with your Comprehensive and Collision coverage on your boat, PWC, or RV policy, and with your Collision coverage on your auto or commercial auto policy.*

How Pet Injury Coverage Works

It couldn’t be easier because you don’t have to do or pay anything. It’s absolutely free. You just need to have Collision coverage for at least one vehicle on your auto or commercial auto policy. For RV, boat and PWC policies, you need to have Comprehensive and Collision coverage for at least one vehicle on the policy.

Pet Injury coverage pays up to $1000 toward veterinary bills if your dog or cat is injured when you’re in a car accident. We also cover them for Comprehensive claims, such as vehicle theft or a fire. In the unfortunate event that your pet dies as a result of injuries sustained in your Collision or Comprehensive claim, we provide a $1000 death benefit.

Coverage also extends to a cat or dog owned by a relative who lives with you.

Auto insurance for your pet — now that’s Progressive!

NOTE: Pet coverage insurance is NOT Pet Insurance and does not cover your pet health care.

If you have questions on your insurance, call me at 507-226-8121 or email me at [email protected]

Jon

More About Progressive Insurance

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As an independent agent, I have the privilege of writing for some of the top companies in the nation. Here are some things about Progressive I thought you might like to know:

In Minnesota they are the 3rd largest auto insurer and growing steadily. There are 11 claims offices statewide and they employ 282 people. (this number does not include their independent agents)

The following is taken directly from their website:

Overview and History

The Progressive Group of Insurance Companies has been called a visionary — a maverick leading a wave of change within the insurance industry. In business since 1937, Progressive is now one of the nation’s largest auto insurance groups, and is the largest writer of private passenger auto insurance through independent agents in the country.

Jon

Did you know. . .

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According to statistics released by the Insurance Research Council in April of 2011 that in the U.S. that approximately 1 in 7 drivers are uninsured?

This is an increase and studies blame the economic decline.

It might be a good idea to call your agent and see what your policy covers if you’re in an accident with an uninsured motorist.

Jon

226-8121

[email protected]

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Watercraft (Boat) Insurance

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With Boat Insurance, there are normally two coverage options regarding physical damage to your boat, motor, trailer, and accessories.

Actual Cash Value or Agreed Value

It is important to understand the difference between Actual Cash Value (ACV)
and Agreed Value.

If a policy is an ACV policy and you were to have a total loss, the adjuster looks at the value of the boat at the time of the loss and pays based on its current actual cash
value (market value).

If your policy is an Agreed Value policy, the insurance company will honor  the value of the boat as agreed upon at the time the policy was written. For example, you buy a new boat for $30,000 and insure it for that value. Five yeas later it’s stolen. Although the boat may not be worth $30,000 due to depreciation, you would be entitled to $30,000 under the Agreed Value policy.

Not all insurance companies offer the Agreed Value coverage. Some companies offer it on newer watercraft, but not on older boats. Some companies like Safeco only offer Agreed Value coverage.

Typically, the premium for an Agreed Value policy is 25% higher than ACV.  The Agreed Value coverage eliminates depreciation in the event of a claim.

It is a good idea to review your watercraft values every two to three years.

Not sure what coverage you have or is in your best interest? Call me and together we can review your current policy.

507-226-8121

Jon

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