Posted on 6/12/2017 4:00 AM By Value Plus Insurance
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.
Posted on 5/15/2017 4:00 AM By Value Plus 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.
Posted on 4/17/2017 4:00 AM By Value Plus 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.
Posted on 3/13/2017 4:00 AM By Value Plus 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.
Posted on 2/13/2017 4:00 AM By Value Plus 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.
Posted on 12/12/2016 4:00 AM By Value Plus 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 Insurancemight 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.
Posted on 9/12/2016 4:00 AM By Value Plus Insurance
Minnesota has the best mandatory insurance laws in the country, but like similar laws in other states, minimum coverage just isn't enough. Before you can even register a car in Minnesota, you're required to provide the name of your insurance company along with your policy number. The declarations page of your policy will then have to show that you're insured for the following:
Posted on 8/15/2016 4:00 AM By Value Plus Insurance
What's known as SR-22 insurance really isn't insurance. The SR-22 is a form that helps Minnesota verify that certain high risk drivers are going to be driving while financially responsible. Once the SR-22 form is filed with the Department of Motor Vehicles (DMV) and your own insurance company, you're legal to drive.
Posted on 2/8/2016 4:00 AM By Value Plus Insurance
Your homeowners and auto insurance have policy limits on how much they'll pay on covered liability. Beyond your coverage limits, you're personally on the hook for any judgment above those limits. That's what umbrella insurance is for. It isn't only for people with assets into the seven figure range. Even the little guy with a mortgage, wife, kids and a steady job needs umbrella coverage.