How to protect your St. Paul property with home insurance

One of the best long-term investments that someone can make would be to buy a home. This is especially true for those that are in the Saint Paul, MN area, which is known for having a good housing market and economy. When you are looking to buy a home in this area, it is important that you have it properly covered by insurance. A home insurance policy can protect your Saint Paul property in a number of different ways. 

Protect Your Home

The main reason why people should make sure that they have a home insurance policy on their Saint Paul property is that it will protect the home. If your home is damaged by bad weather or a fire, you could end up suffering a significant amount of damage. When you have a home insurance policy, you will receive protection against these situations. This will give you the money you need to rebuild your property and cover any damages.

Personal Property 

Having home insurance will also protect your personal property. You likely have thousands of dollars of personal assets sitting underneath your roof. When there is a fire or theft that causes damage or loss, you want to make sure you’re protected. A home insurance policy will provide you with protection for your personal belongings and cover many different situations that could cause a loss.

There are clearly many benefits that come when you get home insurance. To ensure that you are properly covered for your Saint Paul, MN home, you need to call Rising Star Insurance. When you reach out to Rising Star Insurance, the company will help you to figure out your full home insurance needs. They can then help you get into a policy that will give your liability coverage and protect your most valuable asset. 

How auto insurance can protect you

Driving a car on a daily basis is a basic necessity and responsibility for people that are all over the Saint Paul, MN area. When you do own a car, you need to remember that you are driving an asset that also comes with a lot of responsibilities. One important responsibility that you have will be the need to carry auto insurance. Having a quality auto insurance policy can protect you with a number of different ways. 

Protects Your Car

When you receive a full auto insurance policy you will receive great coverage for your vehicle. This can include receiving coverage if your car is damaged, stolen, or vandalized. Since your car is such a valuable asset that you need to invest a lot of money in, this type of coverage will prove to be very valuable. Further, it likely will also be required by an auto loan provider. 

Provide Liability Coverage

While most people think of how auto insurance can protect their car, it can also give you very valuable liability coverage. If you are ever involved in an accident and determined to be the party at fault, you will be required to pay for all damages caused. If you do not have liability insurance in place, you could end up having to come out of pocket to cover these expenses. 

Auto insurance can provide you with some great coverage when you are behind the wheel. Before you start driving your next car in the Saint Paul, MN area, you should reach out to the team at Rising Star Insurance. The professionals at Rising Star Insurance know what type of coverage will provide you with the best protection possible. They will then explain your options and make sure that you have all of the information you need before making the important decision. 

Upgrading Your Boat? Don’t Forget to Give Your Insurance a Boost Too

It seems like once you experience the pleasures of owning a boat, there’s no going back. If anything, you simply begin a lifelong obsession that includes trading in one boat for another, better one. If you have upgraded your boat recently, it’s important to also take a look at your insurance to make sure that it remains sufficient. The team at Rising Star Insurance has been serving the boating insurance needs of the greater Saint Paul, MN community and understands that spending time out on our area lakes is an important part of summer! We are here to provide any guidance that you may need when upgrading your insurance policy upon purchasing a new boat.

Don’t Forget to Upgrade Your Insurance Too!

A new boat is a time for celebration and excitement, but don’t let that make you complacent about your insurance coverage. Too many people wing it when it comes to their insurance. Sure, they sit down with their agent and discuss all of their options when they take out their initial policy, but after that, there’s not a lot of attention given to making sure that their policy coverage is keeping up with their needs. Your coverage needs will change as the value of your boat increases, your teenage children start operating it, or if you alter your storage and docking practices. Don’t forget to make sure that your coverage is keeping up with your needs.

Is it time for a boat upgrade? If you have plans to trade in your Saint Paul, MN area craft for a newer or bigger model your coverage needs will likely change. Contact the team at Rising Star Insurance today, and we will get you out on the water with the protection you need!

Do You Need Insurance If Your House Is Paid Off?

People keep insurance on their homes while they’re making payments to protect themselves in the event something happens. Lenders often require it as well. However, after your mortgage is paid off, you may think you can take a risk and save yourself money. Rising Star Insurance, serving Saint Paul, MN and the surrounding region, wants to educate homeowners about the risks associated with dropping insurance after their house is paid off. 

Legal Requirements

While you have a mortgage, lenders usually require you to have insurance to make sure they get their money. Additionally, this insurance protects the homeowner as well if something should happen. Since you no longer have a lender who wants payment for your home, you no longer hold any obligation to have homeowner’s insurance. On the contrary, homeowner’s insurance protects you once your home is paid off. It provides you with compensation if your home or possessions should be damaged. Each policy is different regarding how much and what it covers, so it’s important to compare your policy. You’ll also need to make adjustments to your policy once you pay it off.

Saving Money in the End  

Think about what would happen if something caused an extensive amount of damage to your home. Would you be able to afford to make the necessary repairs? Additionally, if something happened that made your house uninhabitable, do you know where you’d go? Would you have the money to stay in a hotel and still afford to hire help to repair the damage? Keep in mind, you may have to spend thousands of dollars in damages. 

Receive a quote for homeowner’s insurance from Rising Star Insurance, serving Saint Paul, MN and the general vicinity, by calling 651-379-2788. 





Saint Paul MN 



Can You Buy Multiple Life Insurance Policies?

At Rising Star Insurance, serving the Saint Paul, MN area, we are asked many questions about life insurance policies. One of the questions that we have heard multiple times is whether one individual can purchase more than one life insurance policy, or have more than one life insurance policies out on their life. If this is a question you have been wondering, read on to learn the answer to this question. 

Can You Buy Multiple Life Insurance Policies? 

You can both purchase as many life insurance policies as you want and have as many life insurance policies as you want out on one person at the same time. There is no limit to the number of life insurance policies that you can buy, as long as the person you are insuring agrees that you can take a policy out on them, when applicable. Likewise, there is no limit to the number of life insurance policies one person can have out on them at one time. 

Why Would You Purchase Different Life Insurance Policies? 

One person may be purchasing various life insurance policies to ensure they are covered in the event someone important in their life passes away, such as their spouse, parents or business partner. 

One person may have different life insurance policies out on them for a number of reasons. It is common for a divorced couple with minor children to have life insurance policies on each other to help ensure the children are supported in the event one parent passes away. A spouse may also have a life insurance policy in place. Lastly, business partners may have life insurance policies out on each other to help protect their business finances in the event one party passes away. 

Whether you are looking to purchase one life insurance policy or more than one life insurance policies in the greater Saint Paul, MN area, we at Rising Star Insurance can help you. Contact us to discuss your life insurance needs with us and we will work with you to find you the right life insurance products for your needs. 

What kind of coverage do I need for my business

Being a business owner comes with lots of liability. Having the correct insurance for your particular type of business is important for your financial security. Commercial insurance is not a one size fits all type of insurance. At Rising Star Insurance in Saint Paul, MN, they would be happy to discuss your commercial insurance needs with you and help you find the perfect policy for your business.

Property Insurance This type of policy covers the physical building in which your business resides as well as the equipment used to transact your business. Depending on the type of insurance you choose you will be covered for fire, theft, vandalism, lightning, hail, wind and other perils. One of our agents can help you decide which offers the coverage you need.

Commercial Vehicle Insurance While similar to personal auto insurance, commercial vehicle insurance typically has higher liability limits. It covers vehicles that are owned by the business as well as vehicles that may be rented. Beyond just liability, collision and comprehensive may be called for.

Liability Insurance If a customer is injured while visiting your business or while using a product that you sell, you could be held responsible. This coverage typically protects against bodily injury, damage to another person’s personal property, personal injury, and advertising that may be considered false or misleading. If you have high assets, an umbrella policy can extend the limits of coverage.

Workmen’s Comp Insurance  In Minnesota, workmen’s compensation insurance is mandatory. Employers can choose to buy insurance or self-insure. This insurance is required for all employees both full and part-time and protects both your business and your employees.

Why not give us a call and make an appointment to come in and talk to one of our agents. At Rising Star Insurance in Saint Paul, MN, we pride ourselves on providing our clients with great service and insurance that will protect them from all the issues that can arise when you own a business.



Covering the contents of your home

You want coverage on your home against fire and storms, and most people also want to cover the contents of the home as well. The standard homeowner’s policy in Minnesota covers contents as well as the structure itself. Rising Star Insurance in Saint Paul, MN is here to help you have the coverage you need for your particular situation.

On most policies items like furniture, appliances, clothing, rugs, and personal belongings.  This would include furniture in sheds or garages on your property as long as the small outside buildings are listed on your policy. 

Policies may also cover property in your car, such as a laptop that you had locked in the car in your driveway. The only problem may be the deductible, which may be more than the property is worth.  Property stolen, or damaged during a burglary is also covered, but again the amount of the deductible will be a determining factor as to whether it is worth it to make a claim.

If you have some very valuable items, like jewelry of a collection of some kind that has value, you might want to consider a rider on your policy. This would have to be declared when you get your insurance, and it would have to be included in the policy. It is a good idea to keep receipts just in case you do have damage and need to file a claim.

GIve Rising Star Insurance a call in Saint Paul, MN for your homeowner insurance needs. We can help you find just the right overage that fits you and your individual situation. We can also help you cover valuable items or special collections you may have inside your home. Also, remember to update your policy yearly to make sure you are covered.

Is having a motorcycle insurance policy a necessity for me?

Riding a motorcycle in the Saint Paul, MN area on a nice sunny day can be a lot of fun. While a motorcycle is often considered a recreational mode of transportation, it is also an important asset that you need to have fully covered by insurance. There are a variety of reasons why having motorcycle insurance in place could be a necessity for you. 

Meet State Requirements

One of the reasons why you need to get insurance coverage for your motorcycle is because it will help you to meet state requirements. Those that operate a motorcycle are required to carry liability insurance at all times. For owners of a motorcycle in the Saint Paul MN area, this type of coverage will provide protection if you are found liable in an accident. Not carrying this insurance could lead to financial penalties or loss of your license. 

Lender Requirements

In many different situations, you will need to take out a loan to purchase a motorcycle. Lenders that provide these types of loans are used to creating loan agreements that will dictate the type of insurance that they have. These requirements will normally require that you meet the state insurance requirements while also making sure that you have a full insurance policy in place to protect against any type of loss. For a lender, this will make sure that they have adequate insurance protection in place to cover their collateral. 

If you have a motorcycle and want to make sure that it is properly covered by insurance, you should speak with the team at Rising Star Insurance. the professionals at Rising Star Insurance will help you better understand your motorcycle insurance needs and make sure that you get the coverage that you need to have. 

What is a state-commissioned, commercial insurance underwriter?

What is a Commercial Insurance Underwriter? How do You Find One in Your State?

Insurance underwriters work in quite a similar function to mortgage or even equity or credit underwriters, for instance, their job being no less thorough and their tasks no less rigorous. Their overall mission is to review multiple applications for insurance coverage and then use risk analysis as the main means by which they can then finalize their decision on rejecting or accepting each applicant, one by one. In any day or week, these professionals can expect to see the data of hundreds of applicants. 

What Kind of Training or Other Credentials Do These Professionals Hold?

Chartered Property and Casualty Underwriter, otherwise known as CPCU, is one major professional designation and field of service that many have followed in order to become licensed as insurance underwriters. Another is the Chartered Life Underwriter title, also called the CLU. The Insurance Institute of America offers training for the latter, providing its rigorous program of study to all interested. The American College offers schooling for the CLU.

Other Details to Note

Median annual salaries of appx. $70,000 are what professional certified, locally licensed insurance underwriters tend to make, on average. The U.S. Bureau of Labor Statistics continually updates these statistics. But these figures are from its most recent 2017 findings. Reviewing current clients for continuing coverage is another one of their main tasks. Those insured must continue to qualify or "re-qualify". 

Rising Star Insurance – Great Commercial Insurance in Saint Paul MN

Rising Star Insurance, joyfully serving Saint Paul, MN and beyond, is here for you at any time. Reach out to them directly via web or phone. They’d love to service your needs for commercial insurance, clarifying any doubts you may have as well. Bring your questions or concerns! 

Home Accidents and How to Prevent Them

Rising Star Insurance serving Maplewood, MN would like to discuss home accidents and how to prevent them.

What to do?

Sadly you can hurt yourself in many ways at home, from slips and falls, to sudden fires, to mishaps with cleaning supplies or medicines, especially with small children. The WikiHow site has comprehensive instructions describing how to prevent accidents in the home.  Some of the more important ones are:

  • Keep your living space uncluttered. A toy left on the floor or a loose rug could cause you to slip and fall with harmful results. A wet kitchen or bathroom floor can also be a danger. Keep all areas well lit.
  • Practice sound fire safety. Don’t keep flammable objects near fireplaces or space heaters. Check your electrical system for frayed wires. Install smoke detectors, and have a fire extinguisher ready, just in case. Don’t smoke and have a fire escape plan.
  • Practice kitchen safety. Do not let food go unattended when it is cooking on the stove. Keep knives and other sharp objects out of reach of children.
  • Keep all medicines and cleaning supplies under lock and key.

Be sure to take other safety measures, such as installing carbon monoxide alarms and keeping your sidewalks and driveway clear of leaves and fallen sticks. If you have a backyard pool, put a fence around it. Make sure your back yard is well lit. Keep your porch light on at night, and have important telephone numbers for your primary care doctor, poison control, and numbers of friends and family posted and on the contact list of your smartphone.

For more information on preventing home accidents, feel free to contact Rising Star Insurance serving Maplewood, MN.