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Deluxe Insurance Group

4515 E Superior St
Duluth, MN 55804

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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 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.

Why Does RV Insurance Matter?

Whether you are a seasoned RV owner or are looking to purchase, you need to think about RV insurance. Because your RV is a massive investment, you can’t leave it exposed to risks on the road and in the storage facility. You should buy coverage from Deluxe Insurance Group to protect your vehicle and yourself.

Not convinced about RV insurance? Here is why this coverage matters.

It gives you liability protection.

If there is one thing that can mess with your finances is liability claims from third parties, especially when sued. Unfortunately, liability claims are common, so you need a proper insurance plan to cover yourself. RV insurance protects you when other people accuse you of causing bodily injury and property damage. It also covers you when sued.

Asset protection

Since your RV doesn’t come cheap and it’s expensive to repair, you need insurance that protects your investment. RV insurance compensates you when your RV is damaged or stolen. While RV insurance doesn’t prevent perils from happening, it lessens your financial burden after a calamity.

It’s required

Like your vehicle, Minnesota requires all RV owners to purchase insurance. Failure to purchase the minimum required insurance may result in penalties and fines. But why go through this, you can purchase affordable coverage from Deluxe Insurance Group?

Also, if you have purchased your RV through a loan, your lender may require you to invest in RV insurance until you pay off your loan.

Peace of mind

You shouldn’t think of this and that peril when using your RV. Investing in RV insurance wipes away your worries, helping you have a relaxed time while on the road.

RV insurance in Duluth, MN

Want to invest in RV insurance? You don’t have to hop from one insurance agent to another. Partner with Deluxe Insurance Group in Duluth, MN, and we will meet all your RV insurance needs.

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.

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