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.
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.
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:
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.
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.
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!
Your home is likely your most valuable asset, so it makes sense to protect it with home insurance. Home insurance is a type of property insurance that covers your home from damage or loss. It can cover your dwelling, personal belongings, liability, and more.
Here are three benefits of holding home insurance:
1. Home insurance can protect you financially in the event of any home damage or loss. The damage can be due to events like fires, severe weather, theft, or vandalism.
2. Home insurance can help you pay for repairs or replacements if your home is damaged or destroyed.
3. Home insurance can give you peace of mind knowing that your home is protected in the event of an unexpected incident.
Home insurance is an essential type of protection for your most valuable asset. If you’re not already carrying home insurance, consider the many benefits it can provide and how it can help you in the event of an unexpected incident. You’re in luck if you’re located in or around Sioux Falls, SD. That’s because we’re there.
Contact Wilcoxon Insurance Inc. for Home Insurance
At Wilcoxon Insurance Inc., we understand that your home is your most important asset. That’s why we offer a wide range of home insurance options to fit your specific needs. Whether you desire basic or comprehensive protection, we can help you find the best policy for you.
We’ve proudly served Sioux Falls, SD since 2019. And since then, we’ve made a difference in the lives of our clients by helping to get them insured. Head over to our contact page next to get a free quote on home insurance.
When you rent a home in Sioux Falls, SD, let Wilcoxon Insurance Inc. help you customize your renters’ insurance policy with riders that help you cover all of your valuables in every situation.
A rider refers to an added clause in your insurance policy that applies to specific property or situations. You can add riders to renters insurance just as you can to homeowners’ and auto policies.
Seven common riders serve renters’ policies:
- Scheduled property rider: This rider increases the coverage limit for high-dollar items that wouldn’t typically receive full coverage for replacement. Typically, items like diamond earrings or a gaming computer fall into this category.
- At-home business rider: This rider covers your business equipment if you operate a home-based business that earns more than $2,000 a year. Typically, items like your computer or photography equipment fall into this category.
- Replacement cost rider: Most policies include an actual cash value, which means the depreciated value after the initial purchase of the item. Adding a replacement cost rider gets you a reimbursement that covers the actual cost of replacing the item with a new one.
- Pet damage rider: This rider covers you for any liability for damage your pet causes. You won’t have to pay out of pocket for the stained carpet from when your pet got sick from something they ate.
- Identity theft coverage rider: Adding a rider for ID theft affords you a cash payment to resolve issues arising when your identity gets stolen. Some riders even include help putting you in touch with experts who can help you resolve the problem.
- Earthquake/Hurricane coverage rider: Adding an earthquake or hurricane coverage rider covers personal property damage damaged in the storm covered by the rider. Certain states don’t include these natural hazards in their named perils in the standard policy.
Get The Right Coverage Today
Protect your belongings fully with renters insurance that includes the right riders that apply to your situation. Contact Wilcoxon Insurance Inc. serving Sioux Falls, SD today.
Deciding on the right auto insurance coverage can be a difficult and confusing task. There are so many different types of coverage available, and it can be hard to know which one is right for you. At Wilcoxon Insurance Inc. in Sioux Falls, SD we understand the confusion and are here to help. In this blog post, we will discuss some of the different types of coverage available and give you some tips on how to choose the right coverage for you.
Basic Coverage Types
There are four basic types of auto insurance coverage: bodily injury liability, property damage liability, collision, and comprehensive. If you accidentally injure someone, bodily injury liability insurance will cover their medical bills and other associated expenses.
If you cause an accident that damages another person’s property, such as their vehicle, property damage liability will cover those repairs. Collision coverage pays for damages to your own vehicle that are caused by an accident, regardless of who is at fault. Comprehensive coverage pays for damages to your vehicle that are caused by non-accident events, such as vandalism or weather damage.
How to Choose the Right Coverage
Now that you have a basic understanding of the different types of coverage available, how do you choose the right coverage for you? The best way to start is by getting quotes from different insurers and comparing rates.
Once you have a few quotes, you can start looking at different coverage options and deciding which ones are right for you based on your needs and budget. If you are unsure which coverage options to choose, our team at Wilcoxon Insurance Inc. can help guide you in the right direction.
Get Auto Insurance Today
In conclusion, choosing the right auto insurance coverage can be a difficult task. However, armed with a basic understanding of the different types of coverage available and some tips on how to choose the right coverage for you, it doesn’t have to be so daunting. If you need help deciding on the right auto insurance coverage for your needs, our team at Wilcoxon Insurance Inc. in Sioux Falls, SD would be more than happy to assist you. Give us a call today.
One thing you definitely don’t want to skip is storage insurance for storing your motorcycle during the frigid Sioux Falls SD winter. Sure, your motorcycle might be in storage and not being used, but that doesn’t mean it’s not at risk. Anything can happen while your bike is in storage, from theft to weather damage.
What is storage insurance?
Storage insurance is coverage that helps protect your motorcycle while it’s off the road. This can include things like weather damage, theft, and more. It’s important to have this type of coverage because it can help you avoid having to pay out of pocket for any damages that occur while your bike is in storage.
How much does storage insurance cost?
The cost of storage insurance will vary depending on a few factors, including the value of your motorcycle and the time it will be in storage. However, it’s often fairly affordable and can give you peace of mind knowing your motorcycle is protected.
Your Wilcoxon Insurance Inc. agent in Sioux Falls, SD can help you get motorcycle insurance quotes for when your bike is in storage.
Is storage insurance required?
No, storage insurance is not required by law. However, it’s always a good idea to have coverage for your motorcycle, even when it’s in storage. This way, you can avoid paying for any damages that occur while it’s off the road.
If you’re looking for storage insurance for your motorcycle, contact Wilcoxon Insurance Inc. in Sioux Falls, SD today. Our team can help you find the right coverage for your needs and budget. Call us or stop by our office today to get started.
You will never really appreciate how valuable a home inventory is until you have to file a claim. It is time-consuming, there is no doubt, but it will save a lot of stress when you need to let the insurance company know what you have lost. At Wilcoxon Insurance Inc. in Sioux Falls, SD we will be there for you when you need us.
Home Inventory: A Comprehensive Guide
Have a plan before you start to create your home inventory. Pick a room to start in and don’t move on to the next room until you have recorded everything in that room. Open drawers, look in closets, count the pictures on the wall, and leave no stone unturned. Give as much detail as possible in your description, including model names and numbers. Take pictures of the room from a variety of angles, especially focusing on any expensive items. If you have receipts, attach them to the page.
Take your time and make sure you include everything. When you have completed all the rooms, head for the attic, basement, and garage. Don’t forget to include things like your cell phone which may be in your purse or pocket.
After the inventory is complete, it is important that it be placed in a safe place where in the event a hazard hits your home, you will be able to access it. It is better to store it away from the home so that you can be sure that it will survive. At the very least it should be in a fire and waterproof case. It is a good idea to have more than one copy and, ideally, storing one in the cloud will guarantee that it will survive and you will be able to use it.
Give Us A Call
Contact Wilcoxon Insurance Inc. in Sioux Falls, SD when you are looking for a new insurance agent or need your home policy reviewed.
Anyone who has ever rented an apartment or house knows that there are many things to consider when it comes to protecting your home and belongings. Remember your landlord’s policy will not cover your personal belongings in the event of a fire, theft, or other disasters. That’s why you need renters insurance. But with so many different policies available, it can be difficult to know what to look for when choosing the right one for you. Wilcoxon Insurance Inc. in Sioux Falls, SD provides this guide on navigating this important coverage.
Here are a few things to remember when shopping for renters insurance
1. Coverage Limit
The coverage limit is the first thing you’ll want to look at when considering a renters insurance policy. This is the maximum amount of money the insurer will pay out if your belongings are damaged or destroyed. It’s important to choose a policy with a coverage limit that is high enough to cover the value of all your possessions.
The deductible is another important factor to consider when choosing a renters insurance policy. To understand what a deductible is, it’s important to first understand how insurance works. Essentially, an insurance policy is a contract between you and the insurer in which you agree to pay a premium in exchange for the insurer agreeing to pay out a certain amount of money if you experience a covered event. However, before the insurer will pay out any money, you must first pay the deductible. Choosing a policy with a deductible that you can afford to pay if something happens is important.
3. Policy Exclusions
When you’re shopping for renters insurance, you’ll also want to be aware of what is excluded from the policy. Most policies will exclude items such as jewelry, art, and other valuables from coverage. It’s important to check with your insurer to see what is excluded to ensure all of your belongings are protected.
Contact Us Today
Now that you know what to look for in a good renters insurance policy, it’s time to start shopping around. Wilcoxon Insurance Inc. in Sioux Falls, SD offers a variety of different policies to meet your needs. Contact us today to learn more about our coverage options and get a free quote.
Having a reliable mode of transit in the Sioux Falls, SD area is quite important. As you are looking to drive a motorcycle when you are here, it would be a good idea to have proper insurance for it. As you are looking for this insurance, you will find that it offers various forms of coverage and benefits that make it a good option and investment.
The Value Of Having A Motorcycle Insurance Plan
Reduce Liability Risks
An important reason for anyone to get a proper motorcycle insurance policy in this area of the state is to reduce the risk of liability. There is always going to be a risk that you could cause an accident when you are operating your motorcycle. In these cases, you will have to pay for any damage that you cause. If you get motorcycle insurance, it will provide the support you need if you cause an accident.
You also should have motorcycle insurance to protect your asset. There is always a big cost that comes with purchasing a motorcycle. To ensure this investment pays off, you should consider investing in your own motorcycle insurance plan. If you get the right coverage, it will provide the support you need to ensure you can replace or repair the motorcycle if a loss is incurred.
If you want to be a motorcycle owner in the Sioux Falls, SD area, it would be a good idea to get a proper insurance plan for it. There are a lot of choices that you need to make here and calling the team with Wilcoxon Insurance Inc. is a good first start. If you work with Wilcoxon Insurance Inc., you will get to learn much more about your different insurance options and how they can protect you.