Value Plus Insurance Blog

Why You Need to Have Renters Insurance

If you're a renter, you need renters insurance. Renters insurance protects you and your property from many different types of potential liability or loss. 

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Why Renters, Including Students, Need Renters Insurance

Why Renters, Including Students, Need Renters Insurance

People in Burnsville, MN and the surrounding Minneapolis/St. Paul MN area choose to rent for a variety of reasons. For some, there are economic reasons. Some may be employed in the area on a temporary assignment. Others may be downsizing as retirement nears and still, others may be students or those just starting out in their careers. These are all situations where acquiring renters insurance would be a smart thing to do.

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Does Home Insurance Cover Crowdsourced Rentals?

To you, big events like the St. Paul Winter Carnival, the Irish Fair, the Minneapolis Aquatennial, and the Pride Festival are not just fun celebrations. They're a chance for you to make some money by renting out your place through crowdsourced rental sites. While it's all well and good that your home can provide some extra cash, you need to think about how home insurance covers you in case you're paying guest damages a room or is injured while on your property.

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What to Do After a Car Accident

At the very least, a car accident becomes a jarring but temporary interruption to the routine of your regular life. But it can easily devolve into a more permanent disaster. Protect yourself physically, legally, and financially after such an emergency by following these tips.

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5 Important Reasons You Should Have Renters Insurance

The number of renters in the Minneapolis area and the United States is increasing. This is a trend that has been ignited, in part, by the housing crisis of 2008. It is also being fueled by the number of Millennials who prefer to rent, and an increasing number of 55+ renters who are discovering the convenience and affordability of renting vs buying.

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Four Reasons You Should Never Be Without Renters Insurance

Many renters forego renters insurance because they assume it's not going to help them much. After all, they can replace their property if something does happen. But renters insurance actually covers much more than just your personal possessions. There are many situations in which you absolutely should not be caught without it.

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Umbrella Insurance

Umbrella insurance gives you an extra tier of liability insurance over and above the policy limits of your underlying coverage. One of the best features of umbrella insurance is that it isn't limited to just one policy. It acts as an additional layer of insurance protection on your home, auto, motorcycle or even your boat coverage.

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What You Need to Know About Renters Insurance

If you're going to rent an apartment or a house, it's unlikely that you'll be able to hold your landlord responsible for loss of, damage to or theft of your personal property.  That's why renters insurance can help.  It's incredibly inexpensive too.  Here are a few answers to questions about renters insurance.

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Home Insurance: Actual Cash Value vs. Replacement Cost

Nearly everywhere, the real estate market isn't as strong as it used to be. As a result, homes have depreciated, and the market is still trying to recover. The costs of building materials and labor have risen though. That's why our agents here at Value Plus Insurance recommend that homeowners don't just insure their homes for actual cash value.

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Snowmobile Insurance

Minnesota's weather is pretty much "winter", and with the sleds coming out of storage, you'll want to be sure that you're going to be on our 20,000 miles of groomed trails with sufficient snowmobile insurance coverage. Minnesota doesn't require snowmobile insurance, but if you're buying a new sled, and you're financing it, your lender will likely require it. Regardless of the lack of any mandatory snowmobile insurance requirement in Minnesota, Value Plus Insurance might be able to help you with the expenses connected with snowmobiling injuries or property damage, no matter who might be responsible for it. This can include liability coverage, medical payments, collision and even theft coverage.

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