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Wilcoxon Insurance, Inc.

4804 S. Minnesota Ave., Ste 103
Sioux Falls, SD 57108

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Featured Insurance Blog

Why It’s a Good Idea to Get Motorcycle Insurance Over the State Minimums

Wilcoxon Insurance Inc. is proud to serve the Sioux Falls, SD community. If you have any questions about motorcycle insurance, we’re here to help get you some answers. Give us a call or stop by today to learn more about motorcycle policy options.

State Minimums Aren’t Always Sufficient

State minimum insurance requirements should often be used as a guideline, not as the last word. Even when the state only requires a basic policy, there are a number of reasons why it’s a smart idea to get a higher level of protection. Now’s an ideal time to take a look around at your options. Upgrading to a more comprehensive policy will give you the peace of mind that comes with knowing you have the coverage you need.

Increased protection means that it’s less likely that you’ll have to come out of pocket for expenses related to a covered event. You’ll have greater medical, collision, and comprehensive coverage. Depending on the policy, your bike might even be protected in the event of theft or vandalism. No one wants to have financial responsibility for the damage caused by an accident. When you have a robust motorcycle policy in place, it’s less likely that you’ll have to. Your local insurance agent can review the available options with you so that you’re able to choose a policy that meets your needs. Owning a motorcycle is a lot of fun, but it’s also a choice that comes with a lot of responsibility. 

Stop by our office today!

If you own a motorcycle in Sioux Falls, SD or the surrounding area, you can count on Wilcoxon Insurance Inc. to help you find the right bike policy. Call or stop by our office today to learn more.

5 Tips to Keep Your Home Safe While You’re on Vacation

Wilcoxon Insurance Inc., serving the greater Sioux Falls, SD community, offers home insurance to cover many of the things that can go wrong when you’re not there. But the best action is proactive, so here are five tips to keep your home safe while you’re enjoying your vacation.

Keeping Your Home Safe While On Vacation

1. Install an Alarm System

A home alarm system works in two ways; it deters burglars when you place an alarm notification in plain sight, and it also activates emergency response if your home is breached. The resulting loud alarm sounds will also force any burglars to try to make a swift exit, limiting damages and losses.

2. Unplug Everything

In your absence, there could be power surges or other electrical anomalies that raise the risk of damage or even fire. Keep your electronics and home safe by unplugging everything before you head out on vacation.

3. Move the Spare Key

If you keep a spare key on your property, remove it so that savvy burglars can’t get hold of it. Instead, ask a trusted friend or family member to take care of it.

4. Turn off the Water

To reduce the risk of flooding, turn off the water to your house at the main valve, located outside. This way, if a pipe suddenly bursts or something else out of the ordinary occurs, you won’t come home to water damage.

5. Inform Neighbors

Tell one of your trustworthy neighbors that you’ll be away. They can keep a casual eye on your property and be alert for any unusual activity or events. They can also pick up any packages that may be delivered to your door so it doesn’t appear to passersby that no one’s home.

Reach Out To Us

These simple steps can help protect your house while you’re not home. For help with home insurance needs, contact Wilcoxon Insurance Inc. in the Sioux Falls, SD metroplex.

Importance of life insurance

Wilcoxon Insurance Monthly Blog

Are you a resident of Sioux Falls, South Dakota or live in the surrounding area? If so, you should definitely consider investing in life insurance. Here are five reasons why life insurance is important:

1. Security for Your Loved Ones: Life insurance provides financial security for your family and loved ones if something were to happen to you. It allows them to pay off any debts you may have left behind, like mortgages or credit cards, and can also provide them with a steady stream of income to help cover expenses in the event of your death.

2. Protects Your Retirement Savings: Life insurance can help protect your retirement savings in the event of your death. Having life insurance in place can replace lost income and help your family remain financially stable.

3. Provides Peace of Mind: Knowing that you have life insurance in place can provide a great sense of peace of mind. You can rest assured knowing that your family will be taken care of in the event of your death.

4. Tax Benefits: Life insurance can provide tax benefits for your beneficiaries. The proceeds from life insurance policies are usually free from federal income tax, so your family can benefit from the money without having to worry about paying taxes on it.

5. Flexible Coverage Options: There are a variety of life insurance policies available, so you can find one that meets your needs and budget. You can choose from term life, whole life, universal life, and more.

Life insurance is an important investment for anyone, but especially those who live in Sioux Falls. It can provide financial security for your family and loved ones, protect your retirement savings, and provide tax benefits for your beneficiaries. With all of these benefits, it’s easy to see why life insurance is so important.

At Wilcoxon Insurance Agency, we understand the importance of life insurance and are here to help you find a policy that meets your needs and budget. Contact us today to learn more about our life insurance options and get started on protecting your family’s future.

My landlord already has insurance. Why do I need renters insurance?

Renters insurance from Wilcoxon Insurance, Inc. is an important investment for tenants here in the Sioux Falls, SD area, even if your landlord already has insurance.

Benefits of Renters Insurance

If there is damage to your rental property due to fire, plumbing issues, theft, or natural disasters, your landlord’s insurance will likely cover the building itself and not any of the personal items you own.

That’s why renters insurance helps protect you from loss or damage to your belongings in those types of scenarios. Additionally, it can help cover additional living expenses if you are forced to temporarily move out while repairs are being made. It can also provide liability coverage in case someone gets injured on the premises of your rental property.

Given all these potential benefits, renters insurance may be well worth considering when renting a home or apartment from a landlord who has their own policy. Investing in this type of policy could save you time and money down the road should disaster strike and give you peace of mind knowing that you have financial protection in place.

Keep in mind that your landlord’s policy won’t provide coverage for any of your personal belongings, so if you have valuable items like jewelry or electronics, it’s important to review the details of a renters insurance policy. Some companies may even offer specific coverage options designed specifically for renters.

Reach Out To Us

For more information, or if you want to explore a renter’s policy, give us at Wilcoxon Insurance, Inc. a call today. We are proud to serve the Sioux Falls, SD area and would be happy to help you find a policy that meets both your needs and your budget.

Choosing Collision vs. Comprehensive Coverage

There are many options for choosing an insurance plan for your vehicle. When comparing plans, it’s important to know the difference between them to make an informed decision. Considerations such as your vehicle’s age, model, value, and more should help you decide which plan will best meet your needs.

Understanding Collision Insurance

Collision insurance covers damage repairs if your vehicle collides with another car, an object (like a fence or tree) or encounters a road hazard like a guardrail. This is a bare-bones insurance plan that may work if you’re driving an older vehicle at the end of your life. While it can be tempting to go with collision insurance, you might regret not choosing a more involved plan later.

Coverage Under Comprehensive Insurance

Comprehensive insurance covers damage from non-collision events, like fires, vandalism, falling objects, natural disasters, and more. It provides an extra layer of protection to collision insurance and accounts for more things that could go wrong with your vehicle. Since we can’t control the weather, robberies, fires, and things of that nature, it makes sense to protect yourself against them.

Collision and Comprehensive Insurance Bundles

These two types of insurance are often bundled together, giving you two layers of protection for your vehicle’s well-being. Sometimes they might not be enough coverage, though, as they don’t cover damage done to another car. Therefore, you need an agent who can explain these plans in depth.

Looking for Auto Insurance in Sioux Falls, SD?

At Wilcoxon Insurance Inc., we know how confusing navigating the world of vehicle insurance can be. Our agents guide you through your options and tailor a plan that fits your needs.

Learn more about collision vs. comprehensive insurance by calling Wilcoxon Insurance Inc. in Sioux Falls, SD.

Types of Motorcycle Insurance

At Wilcoxon Insurance Inc., we offer motorcycle insurance coverage for residents of Sioux Falls, SD, as well as other types of insurance coverage.

Types of Motorcycle Insurance

Liability Motorcycle Coverage

Just like cars, motorcycles should have liability coverage. This includes bodily injury liability, which covers injuries to the other parties in an accident that is your fault.

It also includes property damage liability, which covers damage to the other driver’s property if you are at fault.

Under/Uninsured Motorist coverage is also included. If the other party is at fault and doesn’t have insurance coverage, this coverage pays your medical expenses and damage to your bike.

Comprehensive and Collision Coverage

If you have a lien on your bike, comprehensive and collision coverage is required. Even if it’s not required, this insurance can be a smart investment.

Comprehensive coverage covers damage to your bike when it’s not on the road. This includes vandalism and theft. Collision coverage will cover the damage to your bike if an accident is your fault.

Medical Payments Coverage

Medical payments coverage will cover the medical bills of you and your passenger, no matter who is at fault in the accident.

Other Types of Coverage

One optional type of coverage is total loss coverage. This typically applies to bikes 2 years old or less. If your bike is totaled, the policy will cover the retail price of a new bike of the same model.

Roadside Assistance and Trip Interruption

Nothing ruins a trip like problems with your bike. This coverage will provide roadside assistance if your bike breaks down. Trip interruption can provide you with money to cover expenses including food and shelter if your bike malfunctions while you are away from home.

Motorcycle Insurance at Wilcoxon Insurance Inc.

If you need motorcycle insurance in Sioux Falls, SD, contact us at Wilcoxon Insurance Inc. Our agents are here to help you choose the right coverage and meet all your insurance needs.

Roof and Hail Damage: Is Your Home Insurance Policy Good Enough?

Hail is one of the most common severe storm problems in South Dakota and may require you to need help from insurance experts. At Wilcoxon Insurance Inc., we can help Sioux Falls, SD residents understand their coverage options and help to minimize their risk of suffering a serious loss.

Home Insurance Coverage Options

Are You Covered From Hail?

Most home insurance policies include dwelling protection coverage, which helps shield against the possible risks of hail, windstorms, and other dangers. This factor is important because hail is responsible for nearly 75% of all home losses caused by severe storms each year.

What expenses can your insurance help you with?

Typically, it aids in the reconstruction of the house’s physical framework and the repair of any damage to the house, such as damage to the roof. It may also aid in the repair of other hail-damaged roof components, such as air conditioning units and other items.

To submit a claim for storm damage, take these steps:

  • Take clear photos of the damage
  • Note the storm’s date and is possible, length
  • Pay attention to every detail of your paperwork
  • Have your agent look your claim over first

If you follow these instructions, you should have little difficulty getting the money you need after a severe hail storm.

Make Sure Your Home Owner Insurance Covers Hail Damage

If you want to guarantee that your home is fully protected in case of hail damage, then it’s time to call Wilcoxon Insurance Inc. Serving the greater Sioux Falls, SD region, our agents understand how devastating the effects of a hail storm can be and are ready to help you guarantee that your home is protected.

My landlord already has insurance. Why should I get renters insurance?

Renters insurance is an important part of any tenant’s housing experience. Even if your landlord already has insurance, you may still benefit from having your own renters insurance policy from us at Wilcoxon Insurance Inc. We have been serving the Sioux Falls, SD area for many years and are well-versed in the needs of renters in this area.

Why Renters Insurance?

While your landlord’s insurance covers the structure of the building, it does not cover any of your personal property that could be damaged or stolen in the event of a fire, theft, or other disasters. Renters insurance is an affordable way to protect yourself and your belongings from financial loss due to these risks.

In addition, it can also provide liability protection in case someone gets hurt at your rental property and seeks compensation for medical bills or other damages. Chances are that your landlord’s insurance will not cover these types of expenses. Their policies are likely to cover the things that they own, like the land and buildings, not your personal possessions. 

To ensure that you have maximum protection, consider getting a renters insurance policy for yourself even if your landlord already has coverage. By taking the proactive step to protect yourself, you can rest assured that your personal property and finances are safe. 

Reach Out To Us

For more information on how renters insurance works and what it covers, be sure to speak with an experienced insurance agent at Wilcoxon Insurance Inc. We proudly serve the Sioux Falls, SD area and can help you find the right policy for your needs so that you have comprehensive coverage in case of any unexpected events.

Auto Insurance Add-Ons to Improve Your Driving Experience

With the ever-changing roads and highways in Sioux Falls, SD, it’s essential to have auto insurance coverage to give you peace of mind while driving. There are many add-on services and features available from Wilcoxon Insurance Inc. that can enhance your driving experience.

Let’s look at some of the most popular options:

Rental Reimbursement Coverage

Rental reimbursement coverage is an add-on service that can help cover the costs of renting a car if yours is damaged or stolen. If your vehicle is out of commission for over 24 hours, this coverage will pay for a rental so that you can get back on the road quickly and safely. At Wilcoxon Insurance Inc, you can customize this coverage to fit your needs, so you don’t have to worry about paying for a rental.

Towing and Labor Coverage

If you find yourself stranded on the side of the road with a dead battery or flat tire, towing and labor coverage is there to help. This add-on service covers up to a certain amount of towing your vehicle, depending on monthly plan limits and any labor fees incurred when getting your car running again.

Reimbursement for Travel Expenses

If you’re ever in an accident away from home, this add-on feature helps cover hotel costs and other travel expenses related to returning home safely. Depending on the plan chosen, reimbursement for travel expenses may also cover meals and other incidentals, such as lost wages due to time spent away from work while recuperating from an accident.

Get The Right Coverage For Your Needs

Whether you need rental reimbursement coverage or reimbursement for travel expenses, Wilcoxon Insurance Inc has plans tailored for drivers in Sioux Falls, SD. Contact us today for quality auto insurance add-ons to improve your driving experience. We look forward to helping you get back on the road safely and securely.

Protect Your Motorcycle Year-Round

If you’re a motorcycle enthusiast, you know the importance of protection for your ride. Whether it is from theft, weather, or other damages, protecting your motorcycle year-round is a must. But how do you ensure that your bike is covered no matter what?

Let’s look at what you need to know to ensure your motorcycle all year long:

Insurance Options

The most important way to protect your bike year-round is to get the right insurance coverage. Wilcoxon Insurance Inc., serving the greater Sioux Falls, SD community, offers comprehensive insurance packages tailored specifically for motorcycles. Our policies include liability and physical damage coverage and customized options like roadside assistance and theft protection.

Seasonal Maintenance

It’s also essential to keep up with regular maintenance on your motorcycle during each season. This includes regularly checking the tire pressure, oil levels, battery life, and other components. Doing this will help keep your motorcycle running smoothly and also help prevent any major issues from arising. It’s also a good idea to have a professional inspect your bike once or twice a year to ensure everything is working properly and that there are no hidden issues that could be dangerous when riding on the road.

Weatherproofing Tips

Finally, if you live in an area where extreme weather is common, like Sioux Falls, SD, it’s essential to take extra precautions when storing or riding your bike during inclement weather. Make sure you keep it in an enclosed garage or shed when not in use, and don’t ride during heavy rain or snow storms if possible. Additionally, use products such as waterproof covers or waxes specifically designed for motorcycles to protect them from water damage and rusting due to moisture exposure over time.

Contact Us Today

If you have any questions about protecting your motorcycle year-round in Sioux Falls, SD, contact Wilcoxon Insurance Inc today! We’re ready and willing to answer any questions about protecting your ride!

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  • South Dakota
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