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Deluxe Insurance Group

4515 E Superior St
Duluth, MN 55804

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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. 

What Are The Myths About Boat Insurance?

If you are a lucky boat owner, you should think about getting boat insurance. The purpose of boat insurance is to cover loss or damage to your boat or watercraft and to protect you from such physical damages as theft, vandalism, and other accidents. If you are currently shopping for auto insurance, there are certain existing myths about it that need to be debunked: 

Myth 1: Your Boat Is Covered By Home Insurance

Many boat owners mistakenly believe that they do not need separate boat insurance because their boat is covered by home insurance. Yes, some home insurance policies cover boats and watercraft as well, but their coverage is usually very limited and does not protect you and your boat from many things. 

Myth 2: You Will Be Covered Anywhere You Go Boating

The truth is that most boat insurance policies cover only the specific area where you are typically boating, including the general area around it. Therefore, if you decide to go with your boat on vacation, there is a chance that your boat will not be covered. 

Myth 3: Boat Insurance Is Expensive

In general, boat insurance is not as expensive as many people think. Moreover, there are ways to reduce your monthly premium. For example, you can take safety courses to significantly reduce the cost of your boat insurance. 

Deluxe Insurance Group (Duluth) – Your Reliable Insurance Company In Minnesota

If you live in Duluth, MN or any other nearby town, and you are looking for proper boat insurance, Deluxe Insurance Group (Duluth) is the right company to contact. We are glad to provide you with all the necessary and accurate information about this type of insurance, answer all your questions, and help you find the perfect policy. Our company serves clients in Duluth, MN and other nearby areas. Do not hesitate to contact us any time – we are always here for you. 

Is Your Ski Gear Covered by Boat Insurance?

Boating is much more fun when you add skiing to your routine. However, is your gear covered by your insurance company? At Deluxe Insurance Group (Duluth), we can help Duluth, MN residents understand these concerns and avoid running into problems as a result of an accident.

Your Gear Is Covered 

Boat insurance is designed to handle various elements and items within your boat, making sure that they are paid for fully and with minimal issues. This fact is true of skiing gear. If you get into a crash and your gear is damaged, you will be protected from loss.

That said, there are times when your policy might not handle this type of loss. In this situation, it is important to do what you can to understand what might happen otherwise. Typically, these scenarios are thankfully quite rare.

When It Might Not Be Covered 

If you leave your ski gear in your boat when storing it and someone steals it, or it gets damaged by weather, you are not covered. Your insurance covers your items when you are using the boat. However, some types of situations may also be handled, depending on your policy.

In these rare situations, it is wise to talk to your insurance agent to see if you’re covered. Doing so can help to ensure that you get the high-quality help that you need. And you can avoid having to get so many repairs on your skiing equipment, too.

Help is Available

At Deluxe Insurance Group (Duluth), we help Duluth, MN area residents get the high-quality boat insurance that they need to keep their watercraft safe. So, if you’re concerned about this situation and want to minimize any confusion that you may have, call us today to learn more. 

Should a Boat be Insured While in Dry Storage?

In Duluth, MN, it’s not really going to be boating season all year round. At some point, you’re probably going to pull it out of the lake and store it in your garage, driveway, or a storage facility. So how do we handle insurance while our boat is in dry storage?

Storing at Home

If you store your boat at home, your home insurance will provide limited coverage. This will typically be up to around a thousand dollars. That might cover small fishing boats or a used jet ski, but it’s going to be a drop in the bucket for something like a speedboat.

Putting it in Storage

Storing your boat in a lockup somewhere is a good way to keep it safe. Still, most storage facilities are counting on the off-premises policy provided by your home insurance to cover any damages. This means that, again, you’re probably not going to collect more than a thousand bucks if something happens.

Keeping it Covered

Your best bet will be carrying your insurance all year round, but you don’t need to pay full price. Call your boat insurer and ask about raising your deductible and lowering your premiums through the winter so that you can stay covered without paying as much. You could also drop certain policies, keeping just the comprehensive policy so that you’re covered if your boat is damaged or stolen.

If you have any questions or you’re looking to get your boat insured in Duluth, MN, call Deluxe Insurance Group. Deluxe Insurance Group can get you the coverage you need at a price you’ll like.

Should a Boat be Insured While in Dry Storage?

In Duluth, MN, it’s not really going to be boating season all year round. At some point, you’re probably going to pull it out of the lake and store it in your garage, driveway, or a storage facility. So how do we handle insurance while our boat is in dry storage?

Storing at Home

If you store your boat at home, your home insurance will provide limited coverage. This will typically be up to around a thousand dollars. That might cover small fishing boats or a used jet ski, but it’s going to be a drop in the bucket for something like a speedboat.

Putting it in Storage

Storing your boat in a lockup somewhere is a good way to keep it safe. Still, most storage facilities are counting on the off-premises policy provided by your home insurance to cover any damages. This means that, again, you’re probably not going to collect more than a thousand bucks if something happens.

Keeping it Covered

Your best bet will be carrying your insurance all year round, but you don’t need to pay full price. Call your boat insurer and ask about raising your deductible and lowering your premiums through the winter so that you can stay covered without paying as much. You could also drop certain policies, keeping just the comprehensive policy so that you’re covered if your boat is damaged or stolen.

If you have any questions or you’re looking to get your boat insured in Duluth, MN, call Deluxe Insurance Group. Deluxe Insurance Group can get you the coverage you need at a price you’ll like.

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