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Deluxe Insurance Group

4515 E Superior St
Duluth, MN 55804

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What Does Flood Insurance Cover?

You need flood insurance protection if you live in flood-prone areas or near the coastline or riverbanks. Flood insurance is government-backed insurance that protects you from risks associated with flooding. If you currently need flood insurance, reach out to the experts at Deluxe Insurance Group, proudly serving the greater Duluth, MN community.

Why Flood Insurance 

Flood insurance is unlike other insurance coverage because it’s not backed by an insurance company but rather by the national government. This government insurance protection provides insured individuals with coverage against flooding disasters. This insurance protection offers repair or replacement value of your property with coverage limits. It’s important to understand how flood insurance works, which is why you need the expert assistance of a highly trained insurance agent.

They can go over the terms and conditions of the policy to ensure the policyholder understands what is and isn’t covered. Flood insurance has specific coverage features, unlike many other insurance policies. If you live in an area where you’re required to have insurance or in a flood zone, now is the time to secure policy coverage. It’s also important to understand that you may not be able to purchase a flood insurance policy during certain times of the year or when specific events are occurring.

When customers consult with our agents, they carefully assess their current and potential future situations to recommend policy coverage options. Additionally, they can help the customer file information to secure coverage and assist with any claims.

Get Started Today

If you want to purchase a flood insurance policy, reach out to Deluxe Insurance Group, serving individuals in and around the Duluth, MN area. Call or stop by our office today to speak to a helpful insurance agent and get started protecting the things you value.

3 Crucial Reasons to Choose Thorough RV Insurance

As with car insurance, RV insurance is a legal requirement for anyone with an RV, regardless of the state they live in. So, that means you’re required to carry a policy for your Duluth, MN recreational vehicle. But don’t make the mistake that so many other people make and decide that the bare minimum amount of coverage the law requires you to have is good enough.

There are many benefits to talking to a Deluxe Insurance Group agent about upgrading your policy to something more comprehensive.

Here’s a closer look at some of the most important:

1. You get better protection for more types of trips

A part-time or seasonal policy well meets many RV owners’ needs. But if you and your family tend to travel in your RV year-round (or would like to), it’s worth considering upgrading to full-time coverage. You’ll enjoy significantly broader liability coverage over a greater period of time, which will really open up your options for future travel.

2. More of your priceless possessions will be covered

Although all RV insurance policies are required to include at least some coverage for any personal belongings and other valuables contained within the RV itself, it’s worth taking out more. The more different types of items you take along with you when you’re traveling, the more important it is to make sure your policy covers all of them.

3. Cover more emergency-related expenses

Naturally, no one truly expects anything to occur that will leave them temporarily without the use of their RV while away from home. But things happen, and those things can add up to a lot of extra expenses over and above the cost of damages or other mishaps with the RV. Thorough RV coverage is more likely to help offset expenses like towing, labor, alternative transportation, and alternative lodging.

Contact Us Today

In other words, your Duluth, MN recreational vehicle and your complete protection are too important not to be thorough about your policy. Get in touch with your Deluxe Insurance Group today, and ask about the best available options for you.

What is the value of having a motorcycle insurance plan?

If you are in the Duluth, MN area, you will want to be able to get around the community. One efficient way that anyone can drive around is by owning their own motorcycle. Along with a motorcycle, you will also need to have proper insurance. There are various advantages that come with having motorcycle insurance that can make it a great investment for you. 

Why Motorcycle Insurance?

Coverage Protects Your Motorcycle

One of the top advantages of having a motorcycle insurance policy here is that it can protect your assets. There are a lot of costs that come with purchasing and caring for a motorcycle and you will want to know that this investment is supported. If you have an insurance plan, you can get coverage if your asset is stolen or damaged in any way. This comprehensive coverage is likely to be required if you have taken out a loan to purchase it. 

Offsets Liability Risks

It is also a good idea to have this insurance as it will help to offset your liability risks. Anyone that operates a motorcycle will take on the risk that they can be held liable for damages caused in an accident. If you have insurance, it will give you the support you need to offset this risk. Having liability coverage is also required if you want to drive a motorcycle on a public road in this state. 

Contact Us Today

Once you are ready to start looking for coverage for your motorcycle here, it would be wise to call Deluxe Insurance Group. There are always going to be big decisions to make when you are looking for motorcycle coverage in the Duluth, MN area. The team with Deluxe Insurance Group understands the importance of this coverage and will offer any support that you need to build your next plan. 

Protect your boat all year long with the right insurance policy

Deluxe Insurance Group is proud to be a part of the Duluth, MN community. If you have any questions about insurance, we are here to help. Our team has the knowledge needed to help our clients find the right policies to protect their boats. Give us a call or stop by today to learn more. 

Year-round protection for your boat

Boats are more likely to be damaged or involved in an accident during the busy summer months, but that doesn’t mean that they don’t need protection during the off-season too. Depending on how and where you store your boat, your insurance needs can vary. For example, if you keep your boat at the marina, your insurance needs will be different than the boat owner who stores their boat in their home garage during the winter. 

Because of all of the different ways that your boat could be damaged during the off-season, it’s important to take the time necessary to find a policy that meets your unique needs. Protection for your boat when it is on dry land is different than the protection that exists when your boat is involved in an accident.

Knowing the type of coverage that you need for your boat will make the policy selection process much easier. Now is an ideal time to take a closer look at your current boat policy to ensure that it meets your year-round needs. 

We look forward to seeing you soon!

Boat owners in the greater Duluth, MN area can rely on the team at Deluxe Insurance Group. We are here to help with all of your insurance needs and make sure that your boat has the protection it needs. Contact our office today to learn more.

How Do Flood Insurance and Flood Endorsements Differ From Each Other?

Deluxe Insurance Group in Duluth, MN can help residents with many different types of insurance, including home insurance and flood insurance. One of the questions that we are often asked is how flood insurance and flood endorsements differ from each other, and which is ideal for homeowners to have when it comes to flooding and insurance.

Here are the differences and similarities between flood insurance and flood endorsements:

What Is a Flood Endorsement? 

A flood endorsement is essentially an extension of your existing home insurance policy that states that the policy will cover floods. Most home insurance policies preclude flooding unless you have this type of extension on the policy. 

What is Flood Insurance? 

The majority of home insurance policies preclude flooding from their policies. As such, most homeowners need to purchase a separate flood insurance policy. Flood insurance helps to protect your home and your belongings against flooding that can occur due to heavy rains. If your home insurance policy precludes flooding and you do not have a separate flood endorsement, you must purchase a flood insurance policy or you are not covered in the event flooding occurs. 

Is a Flood Endorsement or Flood Insurance Better? 

Both flood endorsements and flood insurance help to protect against flooding. And there are pros and cons to both options. However, not every insurance company offers flood endorsements for their home insurance policies. If yours does not, flood insurance is the best way to protect your home and belongings against flooding. 

If you are looking for a homeowners insurance policy with a flood endorsement, or you are looking for a standalone flood insurance policy, Deluxe Insurance Group, serving the greater Duluth, MN area, can help you. Reach out to us today and let us help you find the right insurance products for your needs. 

How To Select a Condo Insurance Policy in Duluth MN

Selecting the right condo insurance policy can be daunting. There are many factors to consider, and it’s hard to know where to start. Deluxe Insurance Group in Duluth, MN can help you provide expert insurance guidance.

Here we provide tips on selecting the right policy for your needs:

What is Condo Insurance and Who Needs It?

Condo insurance, also known as HO-6 insurance, is designed for condominium unit owners. If you own a condo, you insure your personal belongings and any interior improvements or upgrades you made to your unit. The condo association’s insurance policy will only cover the building and common areas, not your unit.

A Deluxe Insurance Group representative can help you select the right insurance policy that meets your needs.

What Type of Coverage Do You Need?

The coverage you need will depend on several factors, including the value of your belongings and any upgrades or improvements you made to your unit. You’ll also need to consider whether you want replacement cost or cash value coverage. Replacement cost coverage will reimburse you for replacing your belongings, while actual cash value coverage will reimburse you for the depreciated value of your belongings.

You’ll also need to decide whether you want to purchase liability insurance. This type of coverage will protect you if an injury occurs in your unit or if you’re liable for damages caused by your unit.

What Are the Deductibles?

Your deductible is the amount you’ll pay out of pocket before your insurance policy kicks in. The higher your deductible, the lower your premiums will be. For example, if you have a $500 deductible and experience a loss that costs $1,000 to repair, you’ll pay the first $500, and your insurance company will pay the remaining $500.

Give Us A Call

Contact Deluxe Insurance Group in Duluth, MN today to learn more about selecting the right condo insurance policy for your needs.

How Whole Life Insurance Works

For many people who have people who depend on them financially, it’s important to always have life insurance. If you have been interested in getting a whole life insurance policy, it’s important to understand the benefits and the drawbacks of this type of insurance. It works very differently from term life policies. If you need life insurance, give us a call now at Deluxe Insurance Group (Duluth) in Duluth, MN.

Whole Life

This type of life insurance policy gets its name from the term that it’s good for your whole life. It is good for the rest of your life and will stay in effect no matter what your age as long as you keep paying for it as agreed. Many people find that this arrangement is perfect for them, as they don’t want to switch to another life insurance policy later. Because the policy stays good no matter what your age, these policies are more expensive. However, they remain a good way to get the coverage you can count on. 

Cash Value

Another benefit of this type of life insurance is that after a few years it starts to build a cash value. This is a valuable benefit, as you can borrow against the amount of this cash value. If you were to have a financial emergency down the road, this cash value could really come in handy. The loan is paid back just like any other loan, and the amount of the loan is deducted from the death benefit until the loan is paid back. 

Get Your Whole Life Insurance Policy

With so many benefits to this kind of life insurance, it’s no wonder that it’s a popular way to stay financially protected. When you want a life insurance policy, call us at Deluxe Insurance Group (Duluth) in Duluth, MN.

How Do I Choose the Best Pet Insurance Policy?

There are a number of factors that you should consider when choosing the best pet insurance for your furry friend. These factors include the age of your pet, the type of surgery that your pet needs and the cost of the surgery. 

Shop around as you need the right policy. For expert help in Duluth MN, call Deluxe Insurance Group.

Pet Insurance: What You Need To Know

When deciding which pet insurance policy is right for you and your pet. First, look for a policy that covers your pet’s age, species and medical conditions. Second, check to see if the policy will pay for any special care that your pet might require. 

If you are buying a pet from a rescue group, make sure to ask if they have a pet insurance policy. If your pet has a medical problem, mostly, the group’s plan will cover it. 

One of the first things to consider when choosing a pet insurance policy is your pet’s age and health. Older animals have a higher risk of developing chronic conditions that require costly treatment. It’s thus important to have a pet insurance policy that covers chronic conditions like diabetes or high blood pressure. 

Some companies include coverage for annual checkups and vaccinations. Do the math to figure out whether or not it is worth the additional cost even though the idea might sound appealing. Compare the cost of the wellness insurance premium that you pay annually with the amount that you would pay each year for the services covered in the plan.

Give Us A Call

The most important thing to keep in mind is that insurance is only helpful if you know what you are putting in. Think of what can go wrong if any expenses that come up as a result of unforeseen events. 

To help you decide on the best pet insurance, reach out to Deluxe Insurance Group in Duluth, MN.

Should I get classic car insurance for my vehicle?

Those living in Duluth, MN and that love cars may dream of one day owning a classic car. If this is the case for you, having the proper insurance for it is very important. Getting a classic car insurance plan for your classic car is a good option for anyone in this part of Minnesota.

Why Get Classic Car Insurance?

Protect Collectible Value

One of the reasons that people should get a classic car insurance plan is that it can help to protect the collectible value of a car. A classic car is a unique asset because it could appreciate in value with time. As a classic car can be an investment, you will want to know the full collectible value is covered. With a classic car insurance plan, you will have an opportunity to negotiate a fair level of coverage based on the full vehicle value.

Proper Liability Coverage

It is also a good idea to invest in classic car insurance as it can provide you with the proper liability coverage. Having liability coverage is always required no matter what type of car you have. However, as classic cars are driven sparingly, the actual risk of an accident occurring over the course of a year is low. With a classic car insurance plan, the liability plan you receive can be curtailed to match how much you actually drive.

Contact Us Today

Anyone that has a classic car in the in Duluth, MN area will want to know that they have the right insurnace. With a classic car insurance plan put together with the help of the Deluxe Insurance Group, you will know that you have the proper support. The team with the Deluxe Insurance Group will help ensure you understand your needs and options as you build a new policy. 

Is motorcycle insurance required to ride my motorcycle in Minnesota?

There are a few states that don’t require motorcycle owners to carry insurance. Aside from Florida, New Hampshire, Washington, and Montana,  Duluth, MN riders must carry motorcycle insurance to legally operate a motorcycle in the state of Minnesota. Motorcycle riders must carry both bodily injury and property damage insurance to legally ride within the state. 

Minnesota Motorcycle Insurance Requirements

Anyone who owns or operates a motorcycle must purchase motorcycle insurance that meets the state minimum requirements before registering their bike. Proof of insurance coverage must be carried at all times when operating your motorcycle. Minnesota motorcyclists carry $30K in bodily injury coverage per person and $60K per accident. Also, motorcycle owners/operators are required to carry $10K in property damage liability. However, you may be required to carry more insurance if you are financing your motorcycle. Often, your lender or leasing company will require full coverage if you are financing your motorcycle. In situations like this, full coverage isn’t required by law, but by a lender. 

Circumstances that Require More Than the Minimum Insurance Coverage…

A bank, credit union, or leasing agency may require you to carry collision and comprehensive coverage while you are financing your motorcycle to cover possible physical damage, vandalism, or loss due to some other unexpected incident. In some situations, collision and comprehensive insurance will cover the replacement of your motorcycle, if needed. Although not required, underinsured/uninsured insurance may be purchased to cover damage from an uninsured motorist or underinsured motorist. If you have additional questions regarding motorcycle insurance, give us a call. Our team at Deluxe Insurance Group (Duluth) is standing by to help Duluth, MN motorcycle owners get the answers they need.

Partner Carriers

  • AAA
  • Acuity
  • Badger
  • Concord
  • Foremost
  • Grinnell
  • Kemper
  • Main Street America
  • MetLife
  • Nationwide
  • North Star
  • Progressive
  • Ram
  • Safeco
  • State Auto
  • The Hartford
  • Travelers
  • Woodland