Name: Wilcoxon Insurance, Inc.
Address: 4804 S. Minnesota Ave., Ste 103, Sioux Falls, SD, 57108
Telephone: 605-271-6600

How Much Renters Insurance Do You Need in Sioux Falls

Posted on October 21, 2024October 17, 2024 by admin

Renting a home or apartment in Sioux Falls can be an exciting life event for newlyweds, singles, couples, college students, and new residents. Learn how to protect your rental unit and your valuables from the experts at Wilcoxon Insurance Inc. in Sioux Falls, SD.

What is Renters Insurance and Why Do You Need Coverage in Sioux Falls, SD?

Renters insurance is special coverage designed to protect renters from liability issues and offset the costs of repairing or replacing personal property in the event of an unexpected incident. Well-structured renters’ insurance policies also include liability coverage provisions that safeguard renters from lawsuits and legal damages when someone is injured in their rental unit.

The best way to learn about renters insurance options is to schedule a consultation with a trusted local rental insurance agent. A knowledgeable agent can explain the risks of not having renters’ insurance and the benefits of having it.

A licensed insurance agent can also provide a personalized insurance quote outlining your coverage, costs, and policy details.

How Much Renters Insurance Do I Need?

Several key factors can help local renters determine how much renters’ insurance is enough for Sioux Falls rental homes and apartments. Start by creating an inventory of your personal items to determine the total value of your belongings. Include items like furniture, clothing, electronics, jewelry, and other personal items that you want to protect in your inventory.

A skilled agent can guide you through the process of selecting comprehensive and optional coverage for a total rental insurance solution. Contact the rental insurance professionals at Wilcoxon Insurance Inc. to help you tailor a policy that provides adequate coverage for your rental unit with no unnecessary extras.

Adding a New Driver to Your Policy? We Can Help

Posted on September 30, 2024September 25, 2024 by admin

Adding a New Driver to Your Auto Insurance Policy in Sioux Falls, SD

Having a new driver in your household warrants an important change in your auto insurance policy. Including them in your policy helps protect them, you, your vehicle, and others on the road. For residents in Sioux Falls, SD, Wilcoxon Insurance Inc. is a trusted choice for assistance with this process. We’ll guide you through adding a new driver and ensure you get the most appropriate policy for your needs. Experience peace of mind with our multiple insurer quotes, giving you various options.

Getting professional advice is crucial when dealing with car insurance matters. From adding another driver, changing your vehicle, moving within the town, or simply reviewing your policy, we are here to help. Confidence in your coverage is essential, and having everything accurate on your policy is paramount. By working with us, you are guaranteed personalized support with several quotes to compare and make an informed decision. Our team is here to answer all your questions about the policies you’re considering, allowing you to select the one that suits your needs and lifestyle. With Wilcoxon Insurance Inc., policy selection is no guesswork.

If you’re in the Sioux Falls, SD, area and looking to add a new driver to your auto insurance policy, contact us at Wilcoxon Insurance Inc. We aim to make the process as quick and effortless as possible so you can continue enjoying your drives, knowing your new driver and yourself are adequately protected.

Preparing Your Bike for Cold Weather Rides

Posted on August 30, 2024August 21, 2024 by admin

Despite South Dakota’s chilly winters, many motorcycle enthusiasts aim to ride far into the winter season. In this guide, we at Wilcoxon Insurance Inc. offer tips on prepping your motorbike for riding in those cold conditions encountered in Sioux Falls, SD.

When to Refrain from Motorcycle Riding

Regarding safety, refrain from motorcycling when temperatures dip below 32°F. Do not venture out if the roads bear signs of ice or snow. Also, avoid riding during heavy fog or high winds exceeding 30 mph. If you’ve been in a chilly environment and feel cold or numbness in your extremities, reschedule your ride.

Equipping Yourself for Cold-Weather Motorcycle Rides

Dress not just to stay warm but also dry. Layer moisture-wicking clothing such as merino wool sweatshirts under a wind-resistant jacket and pair it with insulated pants. Further, use insulated gloves, thermal socks, and a full-face helmet to shield against wind chill. Invest in riding gear incorporating insulate, down, or similar materials that offer warmth but don’t inhibit movement, ensuring efficient bike handling.

Prepping Your Motorcycle for the Cold Weather

After selecting your riding gear, focus on getting your motorcycle ready. Begin with a thorough bike inspection, paying close attention to your tire pressure, fluid levels, and battery status. For enhanced safety and comfort during the ride, install hand guards, heated grips, and comprehensive fenders to prevent spray and grit.

Ensure the tires are appropriately inflated and match the PSI recommended by your tire manufacturer. Consider swapping to wider tires during winter to enhance traction and provide increased safety for reaching a dry spot if it begins to snow or ice.

To enhance bike performance, maintain optimum fluid levels and switch to a winter-grade oil. Inspect the battery before every ride to ensure it’s healthy and fully charged.

Safely Reaching Your Destination

If winter motorcycle riding in Sioux Falls, SD is a necessity, chalk out a route that avoids major elevation changes. Minimizing downhill rides reduces the biting wind chill. Refrain from riding in heavy traffic, which could slow you down. Reach out to Wilcoxon Insurance Inc. before the fall season for an insurance review and rest easy knowing your coverage spans all eventualities.

Sioux Falls Strong: Learn How to Fortify Your Residence with the Right Home Insurance

Posted on July 30, 2024July 24, 2024 by admin

Having home insurance isn’t always mandatory in Sioux Falls, SD, but savvy homeowners who want to safeguard their finances and peace of mind fortify their homes with comprehensive policies that can include a variety of coverages.

Learn more about how to fortify your home with the right insurance from the experts at Wilcoxon Insurance Inc. in the guide below.

Fortify Your Residence with Comprehensive Home Insurance

Smart homeowners know that buying and maintaining a home is a huge lifetime investment. Taking the extra precautions to safeguard the interior and exterior of your home by adding security features, cameras, and fencing can reduce the likelihood of theft or vandalism.

Comprehensive home insurance adds another layer of financial protection to your home by ensuring coverage for covered incidents.

Protect Your Home From Weather-Related Damages

The cold snowy winters and increasingly hot summers in Sioux Falls can lead to unexpected damage to homes and residences that can include natural disasters, hail, high winds, the weight of melting snow, and financial devastation in the wake of powerful tornadoes.

Comprehensive home insurance policies can include coverage for unexpected events that can lead to thousands of dollars in out-of-pocket expenses. Talk to a knowledgeable insurance agent to learn more about how you can start a policy that includes provisions for fire, theft, and vandalism.

Coverage for Your Home Away from Home

One of the key benefits of having a comprehensive home insurance policy is that your policy can include financial provisions for covering the costs of additional living expenses if your home becomes uninhabitable.

Learn how a home insurance policy can help cover the cost of local hotel stays by contacting a trusted insurance agent at Wilcoxon Insurance Inc. in Sioux Falls, SD, today!

Lesser-Known Benefits of Renters Insurance For Tenants

Posted on June 28, 2024June 26, 2024 by admin

Most tenants in Sioux Falls, SD know that renters insurance covers their personal belongings in rented homes. However, this type of policy also offers several lesser-known benefits. These benefits help protect renters against a variety of unforeseen expenses.

Off-Premises Losses

Renters insurance doesn’t only insure your possessions when they’re in your house or apartment. It often also covers them when they’re elsewhere. Coverage regularly extends to items in vehicles and self-storage units. Most renters’ policies also cover small boats. However, limits apply; most motorized vessels still require separate boat insurance.

Liability Coverage

When a visitor suffers an injury at your rented home, it could result in legal action. Depending on the circumstances, either you or your landlord may be held responsible. If your negligence accidentally caused the injury, renters insurance will generally cover the resulting expenses. In addition, it can also cover damage to someone else’s belongings.

Temporary Housing

If a fire or other covered incident makes your home uninhabitable, a renters policy will usually cover the cost of temporarily living elsewhere. You may need to stay in a hotel room and eat at restaurants until you find a new apartment or your landlord finishes repairing the building.

Financial Coverage

Renters’ insurance may cover losses related to check forgery or a stolen credit card up to certain limits. Limited coverage for cash theft may also be included. It’s always a good idea to check your policy to see if it provides these features. Some insurers offer them as optional add-ons.

If you’d like to gain these invaluable benefits, Wilcoxon Insurance Inc. can help you secure an affordable renters policy from a reliable insurance provider. Our knowledgeable staff will answer all your questions and help you compare options. Don’t hesitate to get in touch with Wilcoxon Insurance Inc. at our office in Sioux Falls, SD, by calling 605-271-6600 today.

Auto Insurance Riders to Customize Your Coverage

Posted on May 29, 2024May 29, 2024 by admin

Like other types of insurance, auto policies offer riders, also called endorsements. Common endorsements include accident forgiveness and roadside assistance coverage. This blog considers the available endorsements available to a Sioux Falls, SD policyholder from Wilcoxon Insurance Inc.

Riders That Don’t Sit in Your Vehicle

When we mention insurance riders, we refer to a policy endorsement or scheduled item. These terms mean specific coverage added to a basic policy. It adds a little bit to the monthly premium cost but proves worth it if you ever need it – whatever it is. Auto insurance riders vary by carrier, but the 14 most common endorsements include:

Accident forgiveness, which forgives your first accident incurred while covered by the policy, so your premium doesn’t increase
New car replacement coverage, which replaces your totaled vehicle with a new car of the same make and model
Rideshare coverage, a type of gap coverage, also referred to as transportation network driver coverage, covers what your personal auto insurance and the rideshare company’s coverage do not.
Roadside assistance coverage provides emergency assistance when you have a flat tire, the vehicle breaks down, or the battery dies.
Business use, to cover your occasional use of your vehicle for business
Custom equipment, which covers your aftermarket changes to the vehicle
Gap insurance, which covers your auto loan if the vehicle gets totaled before you pay it off
Limited Mexico coverage, which lets you drive your vehicle in Mexico under appropriate insurance conditions
Low-speed vehicle to cover your golf cart under your auto policy
Named driver exclusion lets you exclude an individual in your household from coverage under the auto policy
Named non-owner coverage, which provides the policyholder with coverage even if they don’t own a vehicle
Snowmobile coverage insures your snowmobile on your auto policy
Trailer/camper body insures your trailer or small camper on your auto policy
Trip interruption covers your personal or business trip if a breakdown or accident interrupts it, so you don’t lose money on hotel reservations, airplane tickets, etc.

You’d typically use named driver exclusion if you forbid a family member, for instance, a teen, from driving one of the family vehicles, such as a sports car. Named non-owner coverage provides auto insurance for those who don’t own a car, but rent one frequently.

Customize Your Auto Policy

Contact Wilcoxon Insurance Inc. to customize your auto insurance. Why settle for basic auto coverage when you travel in and around Sioux Falls, SD? Get the coverage you need by adding endorsements to your policy.

Motorcycle Riding Risks and Recommended Insurance

Posted on April 29, 2024April 27, 2024 by admin

Motorcycle Risks and Insurance in Sioux Falls, SD

At Wilcoxon Insurance, Inc., we’re aware of the potential driving risks associated with motorcycles. We strongly advise all riders to exercise caution on the road and consider obtaining the recommended insurance coverage.

Training and Licensing

Before setting out on your two-wheeled endeavor, undergoing training for a license is critical. It’s less about the formality and more about understanding the road safety rules specific to motorcycles. This knowledge can also potentially lower your premium costs.

Customizing Your Coverage

With your motorcycle license in place, you’d want to visit us next. Why? Our team of experts is here to tailor an insurance policy that buffers you against any unexpected incidents.

Preparing for the Unexpected

Sioux Falls, SD offers scenic adventures at Spearfish Canyon, Central Hills Loop, and The Native American Scenic Byway. However, the exhilarating rides with unpredictable turns, elevation changes, and crowded trails can pose substantial risk. The potential for risk is real, whether it’s a crash or an accident involving another individual.

Choosing Comprehensive Coverage

Ensuring that your insurance coverage extends beyond your needs is crucial. Whether it’s potential damage to your bike, property damages, or even injuries to others, adequate coverage, like liability insurance, can be beneficial.

Additional Coverage Options

In addition to basic coverage, consider exploring mid and high-tier medical policies, especially if you often carry a passenger. Though these policies may cost more, they provide necessary protection. Given the size and ease of theft of motorcycles, we also recommend considering theft, repair, and loss insurance.

Navigating the World of Motorcycle Insurance

Understanding all these nuances of motorcycle insurance right away might seem overwhelming. Don’t worry, we at Wilcoxon Insurance, Inc., serving Sioux Falls, SD, are here to guide you. So, feel free to contact us if you have any questions.

How Home Insurance Preserves Community Investments

Posted on March 29, 2024March 21, 2024 by admin

Beyond safeguarding individual properties in and around the Sioux Falls, SD, area, home insurance plays a crucial role in preserving community investments by ensuring residential neighborhoods’ stability, resilience, and long-term viability.

Protection Against Property Damage

One of the primary functions of home insurance is to provide coverage against property damage. By safeguarding homes against these risks, insurance policies preserve the physical integrity and value of residential properties within a community. This protection is essential for maintaining property values, attracting potential buyers, and sustaining a vibrant and desirable neighborhood environment.

Financial Security for Homeowners

If something is lost or damaged to the homeowner’s property, they rely on insurance coverage to recover financially and rebuild their lives. Home insurance policies provide financial assistance for repairs, replacements, and temporary living expenses, alleviating the financial burden on homeowners and preventing them from experiencing significant economic setbacks. This financial security ensures that homeowners can remain in their homes and continue contributing positively to the community.

Liability Protection for Homeowners

Home insurance includes liability, protecting homeowners from property damages and accidents. When a lawsuit or claim is filed, insurance policies cover legal defense costs, shielding homeowners from financial losses and preserving their assets. This liability protection promotes a sense of security and peace of mind among the community.

Mitigating Community Risks

When residents are adequately insured against potential perils, the likelihood of financial distress or property abandonment decreases, leading to more excellent community stability and resilience. Moreover, insurance coverage facilitates prompt recovery and rebuilding efforts in the aftermath of disasters or emergencies, minimizing disruptions and preserving the continuity of community life.

How Wilcoxon Insurance Inc. Can Help You

At Wilcoxon Insurance Inc., we can help answer questions concerning home insurance. We serve the Sioux Falls, SD area. Call us today.

Seek Insurance Coverage for Electronics and Other Valuables

Posted on February 28, 2024February 19, 2024 by admin

Renters’ Insurance: A Crucial Addition for Your Leased Apartment

Renters’ insurance should be on your checklist if you plan to lease an apartment soon. Start by compiling a list of your valuable electronics and other possessions. After, consider getting these items professionally appraised. The assessed value will guide you in determining the extent of your insurance coverage.

Inventory Your Possessions

Prepare an extensive list of valuables you plan to move into your leased living space. Document the condition of each item and capture photographs as proof of ownership. High-ticket items should be specifically appraised to ensure proper coverage within your policy.

Inspect Your Potential Property

It’s crucial to conduct thorough inspections of potential rentals. These inspections should assess the building condition and the quality of the installed security features. Despite planning for renters’ insurance, securing living quarters is key. Choose apartments with modern lighting, alarm systems, and other security installations to reduce the risk of possession loss.

Comparison of Policies

Compare various renters’ insurance products. Remember that the volume and value of items you’re covering will greatly influence the type of policy you need. Familiarize yourself with the coverage options on offer. This will guide you in selecting an insurance plan that offers the utmost protection.

Contact Wilcoxon Insurance Inc.

Our team at Wilcoxon Insurance Inc. is eager to assist you. Please schedule a consultation with one of our Sioux Falls, SD representatives. The agent will coordinate the preparation of all necessary renters’ insurance documentation associated with your new policy.

Safe Drivers Prepare for Unsafe Drivers

Posted on January 22, 2024January 25, 2024 by admin

Driving can be many things for many people. From that primary means of transportation to a fun way to spend a weekend afternoon, it is also a potential risk for everyone. That is also why drivers from in and around Sioux Falls, SD rely on Wilcoxon Insurance Inc. to keep them safe.

Safe Drivers Drive Prepared

According to recent reports, an estimated one in eight drivers is uninsured. And it doesn’t matter how good of a driver you think you are, an uninsured driver is an unsafe driver and presents serious financial and physical risk to others on the roadway.

The good news is that with the right insurance and coverage for concerns like uninsured motorists, safe drivers can be better prepared for the potential risk unsafe drivers pose. We never know when we might be involved in an accident, and we hope we never are, but auto insurance is there to protect us, just in case.

Auto Insurance for Repairs, Protection, and More

To help with repairs following an accident, to help with medical expenses and or damages caused by uninsured motorists, and peace of mind every time we hit the road, the right insurance makes a difference. To work, for that Sunday drive, and for every reason in between, regardless of why you drive, auto insurance is there to protect you every mile.

For All Your Auto Insurance Needs

If you live in Sioux Falls, SD and are looking for insurance or shopping auto insurance rates, the team at Wilcoxon Insurance Inc. can help. Contact us to learn more or if you have any questions, and let us help with all your auto insurance needs today.

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