Every year people set out with their boats and explore the water ways of Albertville, MN 55301. Each time a person puts their boat in the water, they run the risk of sustaining prop damage from the boat ramp. All the person has to do is to forget to raise the prop and it can be damaged from impacting the cement boat ramp. If you are looking to protect your boat, then there is a chance you need a boat insurance policy.

What You Need to Have To Get a Boat Insurance Quote

• In order for you to get an insurance quote for your boat you will want to have the registration number and the serial number of the boat. Your agent will need these numbers in order to specify which craft the insurance policy belongs to.
• Know what coverage benefits you will need to have on the policy. If you have a lot of fishing gear or personal items on your craft, then you will need a policy with coverage designed to replace personal items.
• You will also need to know the year of build of the boat and how long it is. Your agent will use this information to help set the premium for your new insurance policy.

Every year people look to obtain an insurance policy to protect their personal belongings. If you own a boat and are looking to protect the investment, then you need to call us today. As your local agent we can provide you with specific information about your policy. Call us today and let us get you the protection you need to cover and protect your family and boat from financial problems.

Wayzata, MN is conveniently located on the shores of Lake Minnetonka. Each year people back their boats down the boat ramp and into the water so they can enjoy a fun filled day on the water. Sadly, some of them will end up hitting a guide poll or will end striking the prop on the ramp itself. Without an insurance policy to cover these kinds of damages, the boat owner could end up paying for the repairs with their own money.

How Your Boat Can Cover You from Financial Losses

• If you have ever hit the dock or another boat, then you know the damage that can happen to the hull of your craft. A minor dent can cost you thousands of dollars and without a boat insurance policy you could end up paying for it yourself.
• A boat policy can also protect your personal belongings that you carry on the boat. All someone has to do is enter the craft and help themselves to your personal items. A boat policy may also cover you if anything is ever stolen from your boat.
• Liability claims can happen while operating your boat. If someone suddenly falls and blames you for their injuries, then you could be facing a lawsuit. By having a policy with liability coverage you will have the coverage you need to avoid financial problems.

A boat insurance policy has a lot to offer its owner. But in order to get a policy that can protect you and your family you will need to speak with one of our agents today. Give us a call and let us get you the information you need in order to make an informed decision about your insurance needs today.

Personal umbrella insurance covers you when your current policy doesn’t. It goes above and beyond your auto insurance or homeowner’s insurance policy limits. It covers you when your liability adds up to more than your policy will pay.

Picks Up Where Your Policy Leaves Off

If hurt another driver in an auto accident, the driver’s medical bills might go well beyond your policy limits. And, you might need to come up with the amount that your insurance company didn’t pay. Coverage under this policy includes:

• Coverage over your home, auto or recreational vehicle limits
• Coverage for libel or slander
• Coverage for court and attorney fees for frivolous claims against you

Prevents You From Losing Your Home

You need not worry about losing your home to pay the difference between your insurance limits and your liability amount. Your policy will take care of it. These special policies often are available with limits of at least $1 million, but you can get higher amounts if you need it.

Coverage You Can Get

Personal umbrella insurance covers you wherever you go. For example, if you get in an accident while you’re on vacation at an international location, your auto insurance coverage might not cover you. But, you need not worry because your personal umbrella policy covers you. Other scenarios where you might find this insurance coverage helpful include:

• You’re liable for a contract worker who’s injured while working on your home
• While driving your car, your teen driver badly injures another driver
• You need to go to court because someone filed a fraudulent claim against you

Exclusions

If you intentionally hurt someone, you’re on your own. Personal umbrella insurance policies don’t cover criminal activities such as this one. You also won’t have coverage for workers compensation or malpractice claims. You can get coverage for work-related injuries through your employer’s workers compensation insurance. And, you can get an errors and omissions policy to cover malpractice claims.

Don’t get caught without adequate insurance to protect you and your family. Call us today to see if a personal umbrella policy is right for you. We’re happy to serve residents in Monticello, MN and the surrounding area.

Your business has a lot of expenses, from the rent you pay for your buildings to your office supplies. It’s important to keep costs and overhead as low as possible, without cutting much in the way of corners. When you’re looking into renters insurance, business insurance, or commercial insurance in Minnesota, you have a few key elements that affect how much things are going to cost.

Your geographical location is an aspect of your insurance that the company is going to examine closely. If you’re in an industrial location with your warehouse and your crime rates are significantly higher than the surrounding areas, the insurance is going to cost more. The rate of natural disasters in the area also has an effect of insurance such as commercial vehicle insurance.

When you’re getting coverage for commercial equipment, the amount that you pay for renters insurance or business insurance depends on the amount of assets that you need covered. It’s important to have a complete list of assets so you know exactly how much replacement cost would be if something would happen to all of your equipment.

Another factor, when purchasing business interruption insurance, is how much your business makes on a regular basis. Business interruption insurance helps you avoid any loss of income that would prevent you from being able to conduct business. What’s particularly important with this is your regular cash flow, not how much you make when you’re having income spikes. The insurance company looks at the average over a particular period of time to determine how much you should get. This also depends on how long the interruption is going to occur.

Figuring out what type of boat coverage you need to protect your vessel in Ramsey, MN can seem like a pain. Boats face an entirely different set of risks than any other vehicle you operate and insure, so understanding the types of coverage available starts with a bit of a learning curve. This quick overview will help give you an idea of what you’re looking for.

Liability

Like auto insurance, the most basic type of boat coverage is liability; that is, coverage for people who are injured or other people whose property is damaged on or around your watercraft. That includes bodily injury coverage and property damages your boat causes to docks or other boats in the water.

Comprehensive Coverage

Also like auto insurance, comprehensive coverage is a sort of umbrella policy for your boat, filling in the gaps that other policies leave behind. Comprehensive insurance typically covers the following:

• theft of your boat
• vandalism
• fire damage
• flood damage
• other weather-related damage and damages caused incurred when you’re not in the water

Uninsured Motorist Coverage

Your can also choose to purchase insurance that will cover your boat if you’re in an accident with an uninsured boater.

When is my boat covered?

When your boat is in the water or at the dock, your boat insurance policy covers it. When your boat is being towed, on the other hand, it’s covered by your auto insurance policy instead, and the details of that coverage depend on your auto insurance itself.

Depending on the details of your homeowner’s policy, your boat may or may not be protected when it’s parked at home. If it is, chances are the property you have on board is not. An independent agent in the Ramsey area will be able to look at your existing policy and help you decide just what type of coverage you need.

Buying motorcycle insurance in Saint Michael, MN does not automatically mean that every possible problem is covered and that the protection is appropriate for the needs of the individual. Even though the state does have strict laws when it relates to liability, uninsured motorist and under-insured motorists, the minimum standards do not require coverage for theft or damages to a personal motorcycle.

Basic Plans

If you have purchased a basic policy, then it is unlikely that your plan will protect against theft. Most basic plans are designed to meet the state standards for liability protection. Even if the policy offers some extra coverage, it may not provide protection against theft.

You should always read the policy to determine the coverage if you are not sure about the protection that you have purchased. The policy will explain the specific details that may apply to your plan.

Comprehensive Plans

In many cases, a comprehensive policy will cover theft, vandalism or other actions that are not within your personal control. Keep in mind that every comprehensive plan differs, so the exact details will vary.

When you have purchased a plan for liability protection and coverage against collisions, it is unlikely that you will have any coverage for theft. Collision protection will pay for damages to your personal motorcycle, but will not usually cover any damages that are not related to an impact with another object.

A motorcycle insurance policy may or may not offer protection against theft. The details of the policy and the exact type of plan that you purchased will usually dictate the amount of coverage that you have available and the situations that are covered. To learn more about protecting your motorcycle from theft or other crimes, contact us to talk to an agent.