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Deluxe Insurance Group

4515 E Superior St
Duluth, MN 55804

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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.

What are my life insurance options?

Anyone that is in the Duluth, MN area should spend time thinking about their life insurance needs. This type of insurance is important because it would provide your dependants financial protection if you were to pass away unexpectedly. When you are looking for this type of insurance, you should consider the different life insurance options you have. 

Term Life Insurance

One type of life insurance to consider is term life. When you have a term life policy, you are given the ability to build a policy based on your personal insurance needs. This can include picking a term and coverage amount that is right for you. Once the term is over, the coverage will cease. This is often a good option as term life premiums tend to be less than the amount of coverage received.

Whole Life Insurance

Another type of coverage that you will need to consider is whole life insurance. With your whole life, your monthly payments tend to be more. However, there are benefits to whole life that are not matched by other policy options. When you get whole life, some of your monthly payment will go into an account that will accrue and build. At some point in the future, you can choose to liquidate the account. This can make it a good investment option, as well.

There are many different factors to consider when choosing a life insurance policy in the Duluth, MN area. Due to the complexity and importance of this type of insurance, you should call Deluxe Insurance Group. When you call Deluxe Insurance Group, the team can help you understand all of your options and get you into a policy that provides the right coverage. 

What are the benefits of commercial insurance?

As a business owner, big or small, you more than likely have an interest in protecting your business in as many ways as possible. Commercial insurance, like auto insurance and other forms of insurance, is designed to protect business owners and their businesses. As with any insurance, commercial insurance covers specific areas that are relevant to businesses. Although coverage levels and the type of coverage may vary, the protection that commercial insurance provides is what gives most business owners peace of mind. 

Who Should Invest in Commercial Insurance?

If your business or company could be held responsible for any mishap, error, or mistake that happened on behalf of your business, you should probably consider investing in commercial insurance. Your business may require company cars. If you have workers, worker’s compensation may be a need. Also, if you have a storefront or office building, commercial insurance may be a need to protect your physical business dwelling. Any company with assets to protect should consider investing in commercial insurance. However, it’s a good idea to get help with the decision making process. Speak with a Deluxe Insurance Group agent and get the help you need to determine what type of commercial insurance coverage you need as a Duluth, MN business or a business owner.

What Does Commercial Insurance Cover?

Typically, this type of insurance will cover your commercial property in terms of damage and loss as a result of natural disasters like extreme weather conditions and fire. However, it also covers theft and vandalism. Commercial insurance usually provides general liability insurance as well. General liability insurance protects a business from liability lawsuits, which can occur from a host of different situations. Please speak with one of our experienced Duluth, MN Deluxe Insurance Group agents. We’re here to help you navigate the ins and outs of this insurance. Give us a call.

Four Instances You May Need Additional Coverage with Your Home Insurance

Are you in Duluth, MN, or the surrounding area and are about to purchase a house? Have you recently bought a house in this area? If so, you’ll need to think about your home insurance and treat it as a priority. An experienced agent, like those at Deluxe Insurance Group, can assist you in determining if you’ll need additional coverage for your house. 

Higher Liability 

Do you need a higher liability on your property or want to have the coverage for specific items of value? You may be able to pay an additional premium, though some companies ask that you have an additional policy for this. Regardless, you can purchase additional home insurance only if you’ve reached your maximum liability limit that’s on your standard policy. 

Umbrella Insurance 

If you would like a policy for the invasion of privacy, slander, or libel that goes beyond the amount in the standard insurance policy, this is known as an umbrella policy. It can make more sense to have a higher amount in your standard policy, as this can help offset the cost of your umbrella policy. 

Natural Disaster Insurance 

If there’s been structural damage to your house, this is covered by the standard insurance policy. Natural disaster damage isn’t included in this policy, so you’ll need additional insurance if you want coverage for it. This is important to add if you live in a risk zone for floods or earthquakes. 

Policies for Personal Property 

If you have items for which you want coverage due to their valuable nature, yet don’t have enough if your standard coverage, you might want to consider getting a personal property floater. This would insure items individually, so you’ll have to describe them and include the value in your policy. There typically is no deductible, and the replacement cost of the item would determine the premium rate. Items that you take along when you travel, such as laptop computers, camera equipment, and expensive jewelry, should be covered in this manner.

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