Value Plus Insurance Blog

Does Home Insurance Cover Crowdsourced Rentals?

How home insurance does or not does protect you if you decide to rent all or part of your property through a crowdsourced site.

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What to Do After a Car Accident

A car accident can easily devolve from a temporary interruption of your regular life into a more permanent disaster. Protect yourself 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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Protecting the Treasures You Hold Dear

We all have certain items of personal property that we just can't ever imagine losing.  You can protect the personal items that mean the most to you though through a scheduled or special personal property endorsement that's custom fitted to meet your personal needs.  Some items of personal property might be impossible to replace because of their present day value, or they're so close to your heart that they just can be replaced.  While these items might be covered on your homeowners policy, it's likely that you only have partial coverage.  Do you really want things insured for only 20 percent of what you paid for them?  That's why you'll want to think about special or scheduled endorsement coverage.

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Labor Day has Passed and Winter is Coming

Our long weekend for Labor Day has passed.  The tops of the trees are starting to change color now, and that means winter is around the corner.  It also means increased risks of property damage and liability claims involving your home and car, so now is the perfect time to visit us to review your insurance coverage.

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