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Deluxe Insurance Group

4515 E Superior St
Duluth, MN 55804

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Why Should I Have Flood Insurance?

When people decide to protect their homes through insurance, the first thing that comes to mind is homeowner’s insurance. However, the biggest challenge is that most people assume that flood insurance is covered under home insurance, which is not the case. Flood insurance comes in handy, especially for people living in flood-prone areas. Deluxe Insurance Group (Duluth) in Duluth, MN explains why you should consider flood insurance.

Protecting the Structural Damage to Your Home

Structural coverage deals with the structure of one’s home, including essential elements like the HVAC unit and electrical wiring. Floods have been known to cause significant damage, almost crippling one’s financial status. The water damages the flooring and walls and leads to the growth of mold. In severe circumstances, it can create cracks in the foundation, putting your home at risk. Flood insurance helps cover the cost of repairing your home. This includes components like electrical rewiring or replacing drywall.

Protect Your Property

Your personal property is likely to get damaged by water when your home floods. With content coverage, your insurance company will help replace any content you have lost. This includes the furniture that you cannot salvage and electrical gadgets that get ruined by water. However, confirm with your insurance agent what your particular policy covers. For instance, you may have limited coverage when it comes to some valuable items like a family heirloom. Confirming this ahead of time will help you decide if you need to buy additional coverage.

Considering that even an inch of water in your home can cause significant damage, most homes are not entirely safe from flooding. However, purchasing flood insurance is what makes the difference between recovering from a flood and a financial setback. Residents of Duluth, MN, looking to protect themselves, can reach out to Deluxe Insurance Group (Duluth). Our skilled agents will help ensure that your home is adequately protected, giving you peace of mind.

Here’s Why Liability Coverage Is Important For Condo Owners

Here’s Why Liability Coverage Is Important For Condo Owners

If you own or are planning to purchase a condo, you’ll want to take out a condo insurance policy, which will protect you from damage and will provide funds to cover repair costs. If your condo is damaged in a fire or by a burst pipe, for example, your condo insurance plan may reimburse you and pay for the repair costs.

Many condo insurance plans also cover various liabilities should you find yourself facing a lawsuit in civil court. If someone is injured in your condominium unit, for example, you could be on the hook for expensive medical bills. You may also have to hire a lawyer to represent you in court.

That said, with condo liability insurance, your insurance provider may pay the medical bills, and if necessary, a lawyer to represent you and your insurer in court.

Contract the Deluxe Insurance Group (Duluth), serving greater Duluth MN, to learn more.

Condo Owners May Be Liable For Many Different Things

Let’s say you invite a friend over, and he trips on the rug in your living room. He fell and broke his arm. You call an ambulance and your friend is taken to the hospital where doctors run tests, set the bone and make a caste, and perform other things.

Your friend might be facing hefty medical bills. He could also try to sue you to recover the costs associated with treatment and also lost income.

If you don’t have condo liability insurance, you may personally be responsible for these bills. Don’t have the money on hand to cover the bills? The government could seize your assets or garnish your wages.

If you have condo liability insurance, however, your insurance provider instead may cover the medical bills and other costs. Besides slip and falls, liability insurance may cover damage and medical bills associated with dog bites and other accidents within your condo unit.

Condo liability insurance may also cover damage that you cause outside of your condo. Let’s say you visit a neighbor and while there, you accidentally knock over and destroy her expensive television. Your insurance provider may pay to replace the TV.

Liability insurance can be difficult to understand. Have questions? Contact the Deluxe Insurance Group (Duluth), which serves the greater Duluth, MN area.

Essential Life Insurance Terminology Explained

Life insurance can be a confusing topic to figure out. Here are a few terms that will help you clearly speak the language of life insurance. For more details on these terms or on any other life insurance questions you have, trust the Deluxe Insurance Group (Duluth) serving Duluth, MN to meet your needs.

Accelerated Death Benefits: Benefits that are available before death. They might also be called living benefits and can often be accessed in the event of a chronic or terminal illness

Accidental Death Insurance: A frequent add-on to policies that are paid out if the insured person dies because of an accident

Annuity: This pays out a fixed sum of money to the policy holder at regular intervals

Annuity Certain: Pays an income for a pre-determined number of years and will then pay the beneficiary the remainder of the policy if the insured dies before the end of the term

Beneficiary: The person or people chosen by the policy holder to receive the proceeds from an insurance policy if the insured dies

Death Benefit: Amount of money paid out to a beneficiary after the policy holder dies

Living Benefits: Advance cash payment of part of a policy before the policy holder dies. Provides financial assistance to the insured before their death

Policy Holder: The person who bought or owns the life insurance policy

Rider: Can be purchased in addition to the life insurance policy to provide extra benefits to the insured

Term: The amount of time that the policy holder is insured

Underwriter: The person or company that decides if a potential policy holder is insurable

Now that you’re familiar with life insurance terminology, reach out to the team of professionals at Deluxe Insurance Group (Duluth) serving Duluth, MN to get answers to all your other questions!

Types of Classic Car Insurance in Duluth, MN

If you live in Duluth, MN and are interested in classic car insurance options, you should definitely look into what Deluxe Insurance Group (Duluth) has to offer. There are many types of classic car insurance, and you should be aware that this is different from regular auto insurance.

There are a few types of classic car insurance from which you can choose. They are as follows:

  • Regular classic car insurance. This is for people who have vehicles that are between 19 and 24 years old, which they have kept running and in good condition.
  • Antique auto insurance. This is a good option for people with a classic car that is more than 25 years old and still running, although it may have been restored or maintained. In some cases, the car or truck would need to be over 45 years old, so you should definitely figure out the specifications before deciding on a policy.
  • Modified auto insurance. This is a good option for car owners who have significantly transformed the body, engine, chassis, or inside appearance of the car. However, you should keep in mind that there are companies that will not ensure these vehicles, as replacement parts are not obtainable.
  • Kit cars and copies. In some cases, people put vehicles together themselves, modeling them after existing vehicles. Most of the time, in order to qualify for this category of insurance, these vehicles need to be at least 25 years old.

There are other types of classic car insurance as well, for people who do not fit into any of the above categories.

People who are interested in classic car insurance in Duluth, MN should feel free to contact the professionals at Deluxe Insurance Group (Duluth). These individuals will be able to answer any questions that you might have about classic car insurance and which type might be best for you.

Motorcycle Insurance Overview To Help Minnesota Residents Find Coverage

The Deluxe Insurance Group provides coverage to the local community. We strive to help all of our Duluth, MN clients find the policies they need to protect their assets. We offer custom policies to help our clients prepare for any situation. Providing excellent customer service is important to us.

Motorcycle Insurance Overview

Thousands of Duluth, MN residents enjoy riding their motorcycles through the state. As a motorcycle owner, you are aware of the high-risk nature of operating this powerful vehicle. That’s why motorcycle insurance is an asset.

Motorcycle insurance covers you while you are out on the open road. You can opt for collision coverage, which protects you if your motorcycle is damaged through impact with another vehicle or object. Comprehensive coverage protects you in multiple scenarios involving your motorcycle. You can have peace of mind if your motorcycle is stolen, vandalized, or damaged due to an incident with an object or natural disaster.

Liability coverage is a significant part of your policy. One accident can change everything. Liability coverage protects you if your motorcycle causes bodily harm or damages someone else’s property. Liability coverage also protects you if your passenger is injured while riding on the motorcycle with you. Liability coverage gives you stability if a disaster occurs.

Other Things To Consider

If you plan to add custom parts or accessories to your motorcycle in the future, you’ll have to amend your policy to stay fully covered if something goes wrong. If your motorcycle breaks down while you are on the road, you can add emergency roadside assistance. You will receive towing service and coverage if you need to find alternative transportation while your motorcycle is repaired.

Deluxe Insurance Group Will Help You Find Coverage

Visit our website to learn more information about motorcycle insurance.

Does RV Insurance Cover Mold And Water Damage?

In many ways, an RV insurance policy in Duluth, MN is just like a home insurance policy. If you’re a full-time RVer, this is important. You want to make sure that your home-on-wheels have the same protections you would have covered in a conventional home.

One of the ways in which your RV insurance is a lot like your home insurance is that mold and water damage are covered. These sorts of damages are covered under your comprehensive policy, which will cover the damages if your RV is damaged somehow, not related to an accident.

Note that your RV insurer will have the same expectations as a home insurer. That is, mold and water damage may be covered if they result from a storm. But they won’t be covered if they come from simple neglect. If you have a leaky pipe and you decide to let it keep leaking, then your insurer might decide that that’s your problem, not theirs.

But against all covered hazards, comprehensive insurance will protect your RV against many of the same problems you would face in a conventional home that doesn’t have any wheels on it.

Of course, none of this is true if you carry the minimum insurance on your RV. The minimum required insurance is strict liability, just like with auto insurance. You need full coverage if you want to be protected against water damage.

If you have any questions or you’re looking to get covered in Duluth, MN, call Deluxe Insurance Group or stop by our website to get in touch and see about getting a good deal on a great policy.

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.

Do all people in Duluth need flood insurance?

The Duluth, MN area can be a fun place to live. The proximity to various lakes in the area can make it fun in both the summer and winter months of the year. For property owners here, one potential risk that they should mitigate against is the risk of flood damage. There are a few reasons that property owners in this area of the state should obtain a flood insurance policy.

Insurance Gives Coverage for Flood Damage

A key reason to get a flood insurance plan is that it is needed to mitigate the potential risks that come with flood damage properly. When you get a flood insurance plan in this area of the state, it will ensure that you have protection to repair your home if a flood occurs. In many cases, you may find that your base home coverage does not provide ample coverage to mitigate this risk.

Some Mortgage Lenders require insurance.

You will also want to get a flood insurance plan as your mortgage lender could require it. Many mortgage providers today require that people in a FEMA flood zone get additional flood insurance. If you are in a flood zone, the lender will likely want to approve your policy and escrow for payments. 

There continue to be scenarios when having flood coverage is a good idea and even a requirement. As you are shopping for a new policy for your home in the Duluth, MN area, you should speak with the Deluxe Insurance Group team. Picking insurance for flood coverage can be complicated, and the team here can make it easier. Deluxe Insurance Group would carefully assess your situation and ensure that you understand all of your needs and options when selecting a plan. 

What To Consider When Choosing Condo Insurance

As a condo unit owner, you should understand that you do not own the building where your condo unit is located. It is crucial to understand this when shopping for condo insurance. Yes, there is a master policy that is carried by your homeowner’s association. However, it protects only the building itself and common areas, while your condo and all personal belongings inside it are not covered. To protect them, you are supposed to carry condo insurance. It may be hard to pick the right policy. To help you, Deluxe Insurance Group, serving Duluth, MN, and other surrounding areas, have prepared a list of things to consider when choosing condo insurance: 

  • The sufficient amount of coverage. It is important to make sure that you have enough coverage. Often, many condo owners make the same mistake – they do not have the coverage for the events that may occur in the area where their condo is located. Before buying a certain condo insurance policy, make sure you discuss all the options available with an insurance agent. 
  • The terms of the policy. Review the master policy carried by your homeowner’s association and discuss it with an insurance agent to choose the right policy for your condo. 
  • The right deductible. The lower deductible you choose, the more you will have to pay for your insurance. To choose the right deductible, evaluate your current financial status and the budget first.

If you are currently shopping for condo insurance and looking for a reliable insurance company in Duluth, MN, or any other surrounding area, Deluxe Insurance Group is ready to help you. Do not hesitate to give us a call to talk to one of our experienced and knowledgeable insurance agents.

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