It's Never Too Early to Think About Life Insurance

We all want what is best for our families, and we do our best to protect them whenever possible. Although it can be difficult to imagine one’s own mortality, life insurance is one of the most important things you can do to protect your loved ones. At Values Plus Insurance serving Minnesota and Wisconsin, we understand the importance of life insurance when it comes to protecting those you love.

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What Does Renters Insurance Cover?

We should expect the best but prepare for the worst, or so the saying warns. Too often, renters go unprotected against emergencies. Homeowners need insurance to protect their homes, but as renters, it can be easy to forget you still have belongings that need protection.

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Will Your Renters Insurance Cover Other Renters?

Homeowner's insurance covers all of the residents inside of a property. So what about renters insurance? If you have roommates, you may be wondering whether you have to maintain individual renters insurance policies, or if you can roll your coverage into a single policy. Here's what you need to know.

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Life Insurance Policies: Setting Your Beneficiaries 101

Life insurance isn't like the rest of your assets. Often, life insurance will be disbursed before your other assets have gone through probate. The purpose of life insurance is to make sure that your final expenses are covered, in addition to providing some financial stability for your family. Consequently, it's important to know where this money is going; it isn't going to follow the rest of probate. You control where your money is going by setting the beneficiaries.

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Personal Liability Policies: Why Might You Need One?

It's easy to see why a business might need a liability policy, but why would an individual? Personal liability policies do exist, and there are reasons why an individual might want this type of coverage. Personal liability policies protect your assets against the possibility of future lawsuits, and accidents that you and your family members may get into.

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Life Insurance Policies: Is Yours Up to Date?

It's easy to simply purchase a life insurance policy, pay its premiums, and then forget to update it—after all, it's something you aren't going to need to think about for a while, right? Nevertheless, it's important to update your life insurance policy during life-changing events, as it isn't always possible to know what the future will bring.

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Reducing the Premiums of Your Motorcycle Insurance Policy

Is your motorcycle insurance policy currently too high? As with auto insurance policies, your motorcycle insurance policy is largely based on risk. There are ways you can reduce your perceived risk and consequently lower your rates.

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Enrolling in Health Insurance Outside of Open Enrollment

What if you need health insurance but missed the open enrollment period? It is possible to still get enrolled in health insurance, but only if you qualify for a period called "special enrollment." Special enrollment generally triggers if you've met specific, qualifying life events.

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Revising Your Renter's Insurance Annually: What Should You Check?

Every year, it's a good idea to revise all of your insurance policies. Get new quotes on your auto insurance; make sure you have enough health insurance... but what about your renter's insurance? Most people just let their renter's insurance auto renew, but there are a few reasons you might want to consider taking a second glance at your policy.

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Do You Need to Maintain Motorcycle Insurance When Not Riding?

Everyone knows that motorcycle coverage is important, but what if you aren't riding? There are many times when a motorcycle may get put away: it may be the wrong season, you may ride only on weekends, or you may experience a life change (such as a longer commute). Boats only need to be insured by season, so what about motorcycles?

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