Are Backyard Structures Included In Home Insurance?

When you’re exploring home insurance for your home in Plymouth, MN, it’s important to look at what is and isn’t covered. There are several things covered in a traditional policy. However, you can choose to customize your policy – and that’s where Anchor Insurance Agency LLP can help. We can make sure that anything in and around your home is part of your policy.

A Basic Home Insurance Policy

When you buy home insurance, it is going to cover several things, including:

  • Basic dwelling
  • Personal belongings
  • Liability

However, backyard structures, including detached garages, sheds, and even hot tubs will not be covered in a standard policy. That doesn’t mean you can’t add them. These items can be added at any time once you have a policy so that, if something does happen, they can be part of the insurance claim that you make.

Covering Everything You Own

It’s important that a policy is customized to meet the needs of your home as well as your budget. If you have any kind of backyard structure, it should be a part of your policy. Otherwise, you run the risk of a claim being denied because you didn’t have sufficient protection. The structure could get damaged or it could be the thing that causes the damage. Either way, it should be on your policy.

Various riders and coverage increases can be encompassed within your policy. This is why it’s helpful to work with an independent insurance agent. We can build a policy that provides you with greater peace of mind. Plus, we can shop the various insurance companies that write policies in Minnesota to ensure that you get the coverage that you need.

Contact us at Anchor Insurance Agency LLP today to learn more about making sure that your home insurance encompasses everything on your property in Plymouth, MN. 

Our Cars Keeps Us Safe but Who Protects Them?

There are almost as many automobile insurance coverage options as there are reasons to buy insurance. There are practical reasons, such as millions of other drivers on the road and that isn’t counting those outsides of Plymouth, MN. There are legal reasons such as states have legal minimum insurance requirements and there are personal reasons.

Getting the Right Insurance

Is this your first car from high school and it has sentimental value? Is this a new sports car (and let’s be honest, it wasn’t cheap was it?) or a work vehicle that logs hundreds of miles per week? There are many reasons to purchase automobile insurance but not every insurance policy is the right one for you.

Choosing items like deductible amounts or coverage options will go a long way in getting the right policy for you and Anchor Insurance Agency LLP can help. If you are currently shopping for car insurance or want to compare rates, check out our online rating tool.

Protecting You and Your Ride

You don’t want to be driving along when suddenly, by no fault of your own, you are hit by another vehicle. "Where did they come from? Is my vehicle alright? Who’s at fault and how much is this going to cost me?" This situation and these questions are hard enough if you have coverage, and if you don’t…

There are many reasons to get car insurance and there is a policy that is just right for you. Let Anchor Insurance Agency LLP help you get the right insurance for you, your vehicle and your situation. If you live in or around the Plymouth, MN area, stop by or call one of our friendly agents today to get started.

Why it is more important than ever to make sure you have a condo insurance

One of the best long-term investment options you can make is to buy a home instead of renting a property. For many people, an ideal type of home to buy is a condo. Owning a condo comes with a lot of amenities and advantages and can also come with fewer maintenance needs. When you are looking to buy a condo, it is very important that you have it properly covered by insurance. Today, it is more important than ever to have condo insurance and there are several reasons why.

Covers Your Asset

One of the advantages of having a condo insurance policy is that it will cover your important asset. When you buy a condo in the Plymouth MN area, you will be buying a major investment and asset. Because of this, you will want to make sure that it is properly covered by insurance. Your condo insurance policy will be able to give you the coverage that you need.


Another advantage of condo insurance is that it can provide you with liability protection. A full condo insurance policy will have a liability component that will prove to be very beneficial if someone is injured in your home and you are found liable. This will give you the financial protection that you need in these stressful and challenging situations. 

Having condo insurance in the Plymouth, MN area is clearly very important. When you are shopping for your next policy, you should come to Anchor Insurance Agency LLP. The team at Anchor Insurance Agency LLP can help anyone looking to buy a condo find an insurance policy that is right for their situation. This will ensure that you and your valuable asset are properly covered and protected. 

Does Renter’s Insurance Cover Pets?

Our pets are a huge part of our families and finding a way to protect them in the event that something happens to our homes is a must. For those that have a homeowner’s policy, your pets are likely covered with no issue. For renters, the outcome may be slightly different. For those that live in the Plymouth, MN area, the agents with Anchor Insurance Agency LLP can help you find the policy that works for you.

For renter’s the same items, for the most part, are going to be covered as would be with a home policy save for the structure itself. A renter’s policy is going to help protect the contents of the rented space and can also give you some money to help cover the medical costs of your pets that are injured in the rented property. If you have a fire for instance and all your possessions are destroyed you are going to get a pay out that can then be used to help pay for the medical costs of your pets.

As with anything, unless special items are specifically named in the policy you are likely only going to get a payout based on the overall value of the contents of the rented space. If you have pets and you are afraid you may run into costs associated with medical bills, you can always take out a pet policy that helps to cover these costs. Your pets are a top priority and keeping them healthy and safe is a must.

For those that live in the Plymouth, MN area, the agents with Anchor Insurance Agency LLP can help you to get the policy that you need to keep your pets safe and to be sure you can cover their bills if they are injured.  

3 Benefits of Motorcyle Insurance

Although they can be lots of fun, owning a motorcycle is serious business. One of the most imperative parts of owning a motorcycle is making sure you have enough insurance coverage. That said, for residents of Plymouth, MN, the following is a closer look at 3 benefits of purchasing motorcycle coverage.

Protection from Non-Accident Related Damages

In addition to accidents, your motorcycle could become damaged as a result of a fire, vandalism, and more. By purchasing a high-quality policy, you can make sure your motorcycle is covered.

Liability Protection

On another note, if you happen to damage someone else’s vehicle or property, liability protection can be a godsend. Rather than being held liable for thousands or even millions of dollars worth of damages, your motorcycle insurance policy could be more than enough to cover the damages. 

Flexible and Affordable

Lastly, motorcycle policies are known for being very flexible and affordable. More so than many other types of insurance, motorcycle insurance policies are associated with lower deductibles and limits than other types of insurance coverage. Not only are there lots of discounts available but these policies are also highly customizable, allowing each consumer to pick and choose the coverage they want and/or need.

Overall, for residents of Plymouth, MN, Anchor Insurance Agency LLP  is a great place to secure motorcycle insurance coverage. Not only can they provide you with top-notch motorcycle insurance coverage, but they can also help with an array of other insurance coverage needs. Simply stop by the office, drop them an email, or give them a call. There is no need to be caught without suitable coverage when you can start your policy ASAP with one of their well-trained professionals.

Boating Insurance: Does Your Policy Cover Towing Perils?

As a boat owner, you are likely very safety-conscious, and do all you can to avoid an accident or collision while your boat’s in one of Plymouth, MN’s waterways. But you could also have a collision on dry land while towing your boat. Depending on the nature of property damage involved, and whether injuries occur, you may find that your boat policy covers the event, or that your auto, homeowners or umbrella insurance policies come into play. 

What Does Boat Insurance Cover? 

Your boat insurance policy typically covers physical damage to your boat, whether it’s in the water or on a Plymouth, MN road, up to your policy’s limits. It generally will not cover damages or injuries you are deemed liable for that happen to another person or vehicle while you are towing your boat. That liability coverage may come from your automobile insurance policy. Your boat policy may cover physical damage to the trailer used for hauling if you’ve purchased separate coverage specifically for a trailer or other boat accessories. If your trailer is not listed on your boat insurance policy, you may have limited coverage or no coverage at all. Ask your Anchor Insurance Agency LLP agent about available options. 

Auto Coverage 

If the vehicle you used to tow your boat and trailer is damaged in an accident, your auto insurance policy’s collision coverage may help pay for repairs. If you are found liable for damage to another driver’s car, or injury to the other driver requiring medical treatment, the liability coverage in your auto insurance may cover that as well. If a passenger is injured in your vehicle while towing your boat, that would likely be covered by the medical payments coverage portion of your automobile insurance policy.  

For information about what your insurance policy’s specific boat-related coverage limits are, and to make sure you’re covered both on the water and on dry land, give Anchor Insurance Agency LLP a call today.

When is umbrella insurance helpful?

Evaluating your insurance needs on a regular basis is very important. For people that are in the Plymouth, MN area, one type of insurance that could be very helpful could be umbrella insurance. While it is not always considered a necessity for most people, there are many situations in which people will find that having umbrella insurance is quite helpful and useful. 

Liable Beyond Base Insurance Policies

Most people are aware that they need to have liability insurance through their home and auto policies. In the majority of situations, this ends up being enough coverage to provide them with ample support if they are sued. However, there are situations in which a bigger accident could occur and the total liability will exceed the amount of coverage that they have through their home and auto policies. With an umbrella insurance policy, you will receive the additional liability insurance coverage that you need. 

When You are Sued for an Uncovered Issues

While you may have base liability insurance through your home and auto policies, it does not provide you with coverage for all types of liability. One type of liability that may not be covered could be slander or libel. If you happen to be sued for one of these issues, the umbrella insurance policy will provide you with the coverage that you need. 

If you are looking for umbrella insurance in the Plymouth, MN area, you should speak to the team at Anchor Insurance Agency LLP. Since umbrella insurance is a complex type of insurance and your actual needs can be hard to define, utilizing the expertise of a professional will be helpful. The team at Anchor Insurance Agency LLP will be able to help you find an umbrella insurance policy that will give you the additional coverage that you need. 

Does Health Insurance Pay for Auto Accident Injuries?

According to a recent study, 2,652 car accidents in Centralia IL result in injuries.   The aftermath can be filled with details and a lot of things to sort out.  Knowing what policy will pay for injuries is one thing that you might have to figure out.  Alcorn Insurance Agency knows that the answers may not always be clear so they want to help you sort through the details if this is your reality.

Who Pays?

Like other states, Illinois uses the “at fault” rule when it comes to auto injuries.  This means that the party at fault will pay for any injuries that other drivers who have involved a deal with. Injuries from parties not at fault are usually covered under a person’s liability insurance.  If the at-fault party is injured their Personal Injury Protection will cover it if that is included in the policy.  Injuries incurred in single car collisions may also be paid under a person’s PIP.  

What Policy Pays?

Typically, a person’s auto insurance will act as the primary insurance policy when dealing with auto injuries.  Personal Injury Protection will usually cover most if not all medical expenses depending on the amount the plan covers for.  If PIP is exhausted, the claim would theoretically go to the secondary insurance.  In this case, your health policy will act as the secondary.  This may not be true in every case so it is always the best practice to read the fine print of your policies.  Many times, an insurance company will not pay until the claim is settled, but there are other options to deal with outstanding bills.

When people in Centralia, IL are involved in auto accidents they have a lot on their plate so if they still have questions they can always call or email Alcorn Insurance agency.


Who needs to take a medical exam to get life insurance?

There are many good reasons to get life insurance. Many people get a policy so that there will enough to help pay for funeral expenses and debts when a loved one dies. A whole term policy is also a good investment and can provide a source of ready cash while the policyholder is still alive.

You may be worried that you will need to take a physical exam to get a life insurance policy. Many insurance companies may require the exam as a way of protecting their investment, so to speak. It would hardly be worthwhile for them to offer a large sum of money to a new policyholder in poor health. 

Reasons You May Want a No-Physical Policy

If you are in Plymouth, MN, there are ways to purchase a life insurance policy through Anchor Insurance Agency LLP that won’t require a physical exam. Even if you don’t have a serious health issue yet, there may be reasons you don’t want to take a physical to get life insurance.

You may be someone who doesn’t have a regular doctor, so you haven’t been in a while and it would be a lot of trouble to get a thorough exam. You may simply be someone who hates getting physicals. One of the biggest reasons people get a policy which doesn’t require a physical is because they need to purchase the policy quickly.

Disadvantages of No-Physical Life Insurance Policies

Unless you purchased a policy when you were young, the lower prices won’t be automatically locked in. Policies not backed by a physical can be expensive, and they may also be limited in their coverage.

If you are in Plymouth, MN and want to find the most economical policy that still offers what you need, call Anchor Insurance Agency LLP so we can discuss your options.

Why Consider Home Insurance in Plymouth MN?

Whereas a home is one of the largest investments in many people’s lives, insuring it is not mandatory. Nevertheless, despite its enormous value and importance, a home is also vulnerable to various risks such as vandalism and brutal storm among others. Here are some reasons you should consider home insurance in Plymouth, MN.

You don’t have to worry about loss

Despite the value of your home, it is susceptible to a multitude of hazards such as thunderstorms, hurricanes, and fire among others. In case of any damage on the entire or part of the house, your insurance coverage can help you to repair and replace damaged parts without incurring an extra cost. At Anchor Insurance Agency LLP, we can make you think less about your home even in times of natural calamities.

It may be a prerequisite

A home insurance is a must-have when you have a mortgage. No mortgage company will fund or refinance your home without examining whether your property is fully insured. In this case, your lender’s investment is guarded against any loss or damage.

The Consumer Financial Protection Bureau gives the responsibility of insuring your uninsured home to your lender. You then pay the lender for that cost. The major disadvantage here is that the lender may go for an expensive policy even when you can find an inexpensive agency in Plymouth, MN with more coverage.

It covers more than your house

Often, your home will be damaged together with some of your personal belongings stored inside. If any of your items such as appliances, electronics, and more are stolen or damaged by a covered risk, we can fully compensate you. At Anchor Insurance Agency LLP, we ensure you have all your items back in case of any loss due to a covered hazard.

For more information about home insurance, feel free to contact us.