Insurance

3 Motorcycle Insurance Mistakes To Avoid

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From scenic rides to commuting on city streets, having adequate motorcycle insurance is key. The right policy can provide essential protection while preventing costly mistakes that riders without insurance can make. At Rising Star Insurance, we work to protect our clients with the right motorcycle insurance year-round. Knowing some of the most common insurance mistakes made by riders in Saint Paul, MN, can help you make wise and informed decisions before getting behind the wheel.

Ignoring Custom Part Coverage

Any rider who chooses to upgrade their bike needs to pay close attention to insurance requirements. If you’ve upgraded your bike with chrome detailing or brand-new exhausts, you’ll want to ensure your insurance policy reflects those changes.

Seasonal Changes

It’s also important to evaluate seasonal coverage needs, especially if you’re a year-round rider. Keeping a comprehensive insurance policy year-round is always recommended, even if you’re storing your bike for the winter. Continuous comprehensive coverage can also help reduce premiums over time, even if you ride recreationally.

Skipping Collision Coverage

Liability insurance is not always adequate, whether you ride recreationally and seasonally or you commute to work on your bike. With unpredictable weather risks in MN, it’s highly advisable not to skip comprehensive collision coverage. We can help find a policy that reflects your exact riding needs.

At Rising Star Insurance, we’ll work with you to find the optimal motorcycle insurance coverage for your bike Saint Paul, MN, and beyond. To learn more about the right motorcycle insurance for your riding needs, contact us.

Winterizing Your Boat in Saint Paul: Why Insurance Still Matters in the Off-Season

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In Saint Paul, MN, winter doesn’t just idle your boat; it puts it at risk in new ways. Rodents, roof leaks, fire, theft, and collapsing storage structures are just a few of the threats. Yet every year, boat owners drop coverage the moment they park their boats. That one decision could cost you more than any accident on the water.

Stored Isn’t Safe, It’s Just a Different Kind of Risk

The truth is, the off-season doesn’t mean you’re off the hook. Snow piles up, heaters short out, and a tarp tears open during a windstorm. Suddenly, you’re filing a claim for damage you thought couldn’t happen.

Here’s the catch: if you paused your boat insurance, that claim will likely be denied. Even worse, if your boat is stored on someone else’s property, such as a marina, shared shed, or a friend’s barn, you could be stuck with liability you didn’t anticipate.

Rising Star Insurance helps Saint Paul, MN boaters keep coverage active, smart, and tailored to the risks winter brings, not just the ones you expect.

The Big Freeze Doesn’t Care About Deductibles

Water left in an engine block, batteries that weren’t fully disconnected, or one missed step in winterizing can lead to cracked hardware come spring. While most of these issues are avoidable, they can still happen. Keeping your insurance active ensures you’re backed up when things don’t go as planned.

Saint Paul winters are relentless, with subzero temperatures and heavy snow loads. A peaceful winter dock can quickly turn into a pressure cooker of hidden threats.

Keep the Policy, Avoid the Regret

Winter isn’t the time to gamble with gaps in coverage. At Rising Star Insurance, we help Saint Paul, MN boat owners find off-season coverage that makes sense. No fluff, no wasted dollars, just protection that lasts until your boat is back on the water. Fully intact, fully covered.

Don’t cancel your policy just because you’ve stored your boat. Call Rising Star Insurance in Saint Paul, MN today to ensure your boat insurance works as hard in winter as it does in July.

Pros and Cons of Term Life Insurance

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Term life insurance through Rising Star Insurance, serving Saint Paul, MN, is one of the most straightforward ways to secure financial protection. It provides coverage for a set number of years, making it easy to align with the responsibilities and milestones in your life. However, like any policy, it has both advantages and drawbacks that you should understand before making a decision.

Flexibility for Key Life Stages

One of the strongest advantages of term life insurance is how well it aligns with specific goals. If you want coverage during the years you’re raising children, paying off a mortgage, or supporting dependents, the set time frame works in your favor. You can choose a term length that matches those obligations and ensure your loved ones are protected if something unexpected happens.

Simple, Straightforward Coverage

Another benefit is its simplicity. Term life insurance doesn’t involve complex investment features or cash value accounts. You know exactly what you’re getting: protection for a set period of time. For people who prefer clarity without extra complications, this straightforward design is a significant advantage.

The Limitations to Keep in Mind

On the other hand, the policy ends once the term is up. If you still need coverage after that period, you’ll have to explore new options, and your health or age may impact what’s available. Another limitation is the absence of a savings component. Unlike permanent life policies, there’s no cash value accumulating in the background. When the term expires, the coverage simply stops.

Finding the Right Fit in Minnesota

For many people, term life insurance is an effective way to cover specific responsibilities during high-need years. However, it isn’t designed for every situation. The best step is to consult with a knowledgeable agent at Rising Star Insurance, serving Saint Paul, MN, who can help align your policy with your long-term plans.

Is It Too Late to Get Commercial Insurance for My Business?

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Have you been operating your small business for a while now? If so, you might wonder if it’s too late to get the commercial insurance you need to protect your business. But is that really the case? When is the right time to get commercial insurance? Here’s what you need to know about commercial insurance and timing. If you’re shopping around but need support finding the right commercial insurance for your unique business needs, you can reach out to us here at Rising Star Insurance, serving Saint Paul, MN.

When Is the Right Time to Get Commercial Insurance for Your Business?

Ideally, you should have commercial insurance in place the moment you launch your business. This ensures that, should anything happen after you begin operating and offering your products or services, you have coverage to protect against costs related to lawsuits, property damage, or other expenses that could otherwise jeopardize your business. But what if you didn’t get commercial insurance when you started your business and haven’t needed it so far? Is it too late to get coverage now? Absolutely not. While the best time to get commercial insurance is when you start your business, the second-best time is now. It’s far better to secure coverage in case something happens than to assume you won’t need it simply because you haven’t encountered any issues yet.

Get Covered With Rising Star Insurance

At Rising Star Insurance, serving Saint Paul, MN, we help you find the right commercial insurance coverage so you can operate your business confidently without the fear of costly damages. Get started today by getting in touch with us!

I Am Starting a Family Soon. Should I Get Life Insurance?

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Protecting a family from potential financial difficulties is crucial when starting a family. At Rising Star Insurance, servicing Saint Paul, MN, we assist individuals and families in finding a life insurance policy that can help.

Life insurance comes in various forms, allowing you to choose the right kind of life insurance policy for your needs. Below are the reasons for getting life insurance and what to consider as you purchase your life insurance.

Understanding Life Insurance

Life insurance is a policy that pays a benefit upon your death. Life insurance comes in different types. Term life insurance policies only last for a specific duration. If you die while the policy is active, it will pay a benefit.

Whole life insurance is a policy that lasts as long as you pay the premium. When you die, the policy pays your beneficiaries. Universal life insurance has variable premiums. This type of life insurance remains effective as long as you pay premiums.

The Importance of Life Insurance When Starting a Family

Obtaining life insurance when you’re starting a family is a way of protecting your family in the event of your death. If you earn a salary, life insurance can help replace that salary while your family recovers from your loss.

Life insurance can also be used to pay off significant debts, like your mortgage or credit card bills. This protects your family from potential financial problems they could face if they lost your contributions to the family due to your death.

When is the Right Time to Get Life Insurance?

If you’re contemplating starting a family, now is the perfect time to get life insurance. Rising Star Insurance, servicing Saint Paul, MN, can assist you.

Should You Take a Boating Safety Course?

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If you own a boat or watercraft in Minnesota, it’s your responsibility to secure boating insurance. New boat owners may have questions about their need for boating insurance. If you are in the Saint Paul, MN, area, our team at Rising Star Insurance is ready to answer your insurance queries. We’ve been serving boat owners in your area since 2009.

Should You Take a Boating Safety Course?

According to the U.S. Coast Guard, completing a boating safety course may lead to a discount on your boat insurance premiums. The course costs approximately $20 and is available online or through the local branch of the Coast Guard. Completion of an 8-hour boating safety course will result in a boating certificate.

During the boating safety course, students will learn about boating law and the types of safety equipment available for boating. You’ll learn the necessary actions to take in case of a boating emergency, such as hypothermia, capsizing, or carbon monoxide issues. Navigation rules and the use of navigation aids are also taught during the course. Boat owners who use a trailer can learn safe ways to attach and use a trailer.

Contact Us Today for Your Appointment

Responsible boat ownership involves taking care of your boat and adhering to safe boating rules. Residents of Saint Paul, MN, who want to learn about boat and watercraft insurance options can rely on us for reliable insurance information. Our team at Rising Star Insurance is dedicated to providing excellent customer service and a quick response to any claims. Call us for an appointment today to explore your insurance options.

Cover All Your Doubts with Umbrella Insurance Solutions

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If you have any insurance, you’ve likely asked a common question shared by policyholders everywhere – do I have enough? Whether you phrase it as "Am I covered," "Will my insurance pay for this," or "Do I have the protection I need," it all boils down to having the insurance coverage you need if you ever need it. That’s why so many people from the Saint Paul, MN area rely on the friendly and professional team at Rising Star Insurance for all their insurance needs, like umbrella insurance solutions for all your coverage doubts.

Cover All Your Doubts with Umbrella Insurance Solutions

While many people have questions about their coverage limits or are curious about gaps in their coverage, the good news is umbrella insurance provides a practical and smart solution to help cover those questions and doubts. That’s why working with an experienced and knowledgeable agent who can help with your coverage questions and provide you with the umbrella insurance solutions you need and deserve is important. If you have doubts or questions about your insurance coverage, umbrella insurance could be the answer.

Get Umbrella Insurance Solutions in Saint Paul, MN

If you’re a resident of Saint Paul, MN, or live in the nearby area, and have questions about umbrella insurance, or would you like to learn more about your coverage options with umbrella insurance solutions, we can help. Contact us to find out more, schedule an appointment for the protection you need and deserve at Rising Star Insurance, and cover all your doubts today.

Seasonal Riding and Motorcycle Insurance

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At Rising Star Insurance, serving the greater Saint Paul, MN area, our team frequently encounters questions about seasonal motorcycle insurance. Many people only ride their bikes during certain seasons, avoiding the harsh winter weather. If you’re one of these seasonal riders, here’s what you need to know about motorcycle insurance.

Reducing Insurance in the Off-Season

If you only ride your motorcycle during specific months, you can decrease your insurance when it’s parked for the season. Some insurance companies allow you to reduce coverage or pause it when you’re not riding, helping you save money.

Maintaining Basic Protection Year-Round

Even when you’re not riding, it’s advisable to maintain some basic coverage, such as protection against theft or damage. This ensures you’re covered if something happens to your bike while it’s not in use.

Adjusting Your Insurance for Riding Season

When it’s time to hit the road again, you can modify your insurance to add more coverage for the season. You can obtain extra protection for things like accidents or medical costs while riding and then adjust it again when you’re not riding.

Looking for a New Motorcycle Insurance Policy? Contact Rising Star Insurance Today

If you’re seeking professional assistance to find the right motorcycle insurance for your riding needs in Saint Paul, MN, you’ve come to the right place. Rising Star Insurance is here to help. Contact us today to learn more or start finding the perfect policy for your seasonal riding needs.

Watercraft Coverage That Protects Against Natural Disasters

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Torrential downpours, high winds, and hail can cause serious damage to your boat. It’s important to explore insurance products that will protect your boat if exposed to inclement weather conditions.

Damage From a Natural Disaster

Damage from a natural disaster may render your boat inoperable or unsafe. Such damage could also affect its resale value.

Insurance products designed to protect against natural disasters provide financial relief. Coverage can be used to repair the damage your watercraft has endured during a natural disaster.

Consider the following disasters and their potential impact.

Torrential Downpours

Torrential downpours could cause water to pool on decking materials, furnishings, navigational aids, and other fixed items within your boat. The excessive moisture could weaken or permanently damage materials. Flood insurance will absorb the costs associated with rehabilitating your watercraft.

High Winds

High winds could cause severe damage to your boat’s exterior. They could also loosen or dent materials, compromising its integrity.

Specialized insurance designed to protect against high winds will help you rehabilitate your watercraft promptly. Insurance may cover the cost of having your boat inspected professionally. It may also handle some or all of the expenses necessary to restore your boat.

Hailstorms

A hailstorm could damage your boat’s interior and exterior. Hail pellets could dent exposed surfaces, greatly reducing their overall value. Hail protection will help pay for the cost of having your boat serviced by a professional.

Contact An Agent Who Serves Saint Paul, MN

Contact one of our insurance agents at Rising Star Insurance Agency. After consulting with the agent, you will receive insurance coverage recommendations to protect your watercraft against natural weather events.

Life Insurance Needs for New Parents in Minnesota

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Saint Paul, MN, is a great place to live and raise a family. Life changes dramatically once you become a parent. While there are many joys when raising a child, it is also costly. You’ll need to re-examine your life insurance needs once you become a parent. You may decide you and your growing family will need extra life insurance.

Why Do You Need Extra Life Insurance?

Even if you already have life insurance, you probably either don’t have enough, or it doesn’t adequately cover the needs of your new family. For example, both parents should be covered, even if one is the primary provider and the other primarily stays home with the child. If a stay-at-home parent dies, the surviving parent would need money to pay for many expenses, including childcare.

What Are Your Options?

It would help to research the several types of life insurance coverage before choosing. Life insurance generally falls into two categories. 

  • Term Life Insurance: Term life insurance covers a certain period, such as 10 or 20 years. This type of coverage is usually more affordable and can be used when starting a family and building savings.
  • Permanent Life Insurance: This life insurance is adequate if you have the policy. There are several types of permanent life insurance, such as whole, universal, and variable life insurance.

How Can Rising Star Insurance in Saint Paul, MN Help?

At Rising Star Insurance, we’re locally owned and serve the Saint Paul area. We offer several types of insurance, including life insurance. Contact us today in Saint Paul, MN, to find out what type of life insurance policy is best for you and your family.