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

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Safe Drivers Prepare for Unsafe Drivers

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Driving can be many things for many people. From that primary means of transportation to a fun way to spend a weekend afternoon, it is also a potential risk for everyone. That is also why drivers from in and around Sioux Falls, SD rely on Wilcoxon Insurance Inc. to keep them safe.

Safe Drivers Drive Prepared

According to recent reports, an estimated one in eight drivers is uninsured. And it doesn’t matter how good of a driver you think you are, an uninsured driver is an unsafe driver and presents serious financial and physical risk to others on the roadway.

The good news is that with the right insurance and coverage for concerns like uninsured motorists, safe drivers can be better prepared for the potential risk unsafe drivers pose. We never know when we might be involved in an accident, and we hope we never are, but auto insurance is there to protect us, just in case.

Auto Insurance for Repairs, Protection, and More

To help with repairs following an accident, to help with medical expenses and or damages caused by uninsured motorists, and peace of mind every time we hit the road, the right insurance makes a difference. To work, for that Sunday drive, and for every reason in between, regardless of why you drive, auto insurance is there to protect you every mile.

For All Your Auto Insurance Needs

If you live in Sioux Falls, SD and are looking for insurance or shopping auto insurance rates, the team at Wilcoxon Insurance Inc. can help. Contact us to learn more or if you have any questions, and let us help with all your auto insurance needs today.

What You Need to Know About Insuring a Classic Motorcycle

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Your classic motorcycle deserves motorcycle insurance coverage in Sioux Falls, SD, which takes its unique status into account. At Wilcoxon Insurance Inc., we want you to understand what you need to know about insuring your classic motorcycle, so you can make the right decision when deciding the coverage options you want or need.

What Makes Your Classic Motorcycle Different?

Classics can appreciate over time, and the value of a classic motorcycle can have a lot to do with sentimentality, collectibility, rarity, age, and other nontraditional market factors. Nevertheless, those classics still need protection from the risks all motorcycles need financial protection from. But they also need protection for the singular considerations that come with classic vehicles of any type.

How to Determine the Value of a Classic Motorcycle

Because there’s a market for classic motorcycles, there are also plenty of resources that give valuations to them. A quick search online can help you find numerous reputable sites that offer guidance on valuation. Yes, you’ll have to do the research, but many of the trusted names will stand out from the crowd, such as KBB and NADA.

What Types of Coverage Does a Classic Motorcycle Require

The coverage options you choose will have everything to do with how you make use of your classic motorcycle:

  • Are you actively riding it?
  • Do you bring it to shows or put it on display?
  • Do you only move the bike by conveyance and rarely or never drive it?

All these or other factors will come into play depending on how you utilize your classic bike. But, as you can see, none of these things have anything to do with typical policies. You’ll want and need something tailored to your unique situation when it comes to your classic motorcycle.

Consult With Us

If you own a classic motorcycle in Sioux Falls, SD or the surrounding area, contact Wilcoxon Insurance Inc. today to learn more about insuring your classic against the unique perils that come with classic motorcycle ownership.

Does Your Sioux Falls Area Home Have the Protection It Needs?

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When it comes to protecting your home in the greater Sioux Falls, SD area, turn to the team at Wilcoxon Insurance Inc. Our team is proud to serve the insurance needs of our community, and we look forward to working with you too! We’re here to answer any questions you have and help you review your current policy to ensure that there aren’t any gaps in coverage.

Now’s the Time to Review Your Home Policy

Your home insurance policy needs can change over time. As the value of your house changes, so too will your insurance needs. It’s advisable to review your policy on a regular basis, at least once a year. Many of our clients find that they simply renew their homeowners policies year after year without looking at them too closely. 

If it’s been a year or more since you’ve made a careful review of your policy, now is an ideal time. If you’ve recently made improvements to your home, or the value of houses in your immediate area has increased, you’ll want to make sure that you have an appropriate level of coverage. And, if you’re planning to undergo a major project, such as an addition, it’s important to double-check that you have adequate liability protection in place.

Give us a call or stop by today!

Wilcoxon Insurance Inc. is here to serve Sioux Falls, SD and the surrounding communities. If you have questions about homeowner’s insurance, we’re here to help. Call our office or stop by today to learn more about our services. We look forward to seeing you soon!

Four ways renters insurance can protect you financially

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If you live in a rental unit in Sioux Falls, SD, you should understand how important it is to invest in renters insurance. At Wilcoxon Insurance Inc., we provide renters insurance to tenants in South Dakota. 

The following are four ways that renters insurance can protect you financially:

Compensating renters for losses caused by theft

You should consider the value of the possessions you keep in your rental unit when deciding whether to buy renters insurance. It’s pretty likely that the possessions in your rental are some of your most valuable assets.

With a renters insurance policy, you can easily protect the value of your possessions so that you don’t experience extreme financial loss if your rental unit is burglarized. 

Paying for medical expenses

Tenants should realize that they could be responsible for medical bills resulting from accidents in their rental unit. With renters insurance, tenants don’t have to pay for these expenses out of pocket. 

Giving renters temporary lodgings

A natural disaster can make it so that a rental home is no longer safe to live in. In such a situation, renters insurance can cover the costs of temporary lodging for the policyholder. This can significantly reduce the stress and expense of dealing with a natural disaster. 

Covering the costs of legal representation

Renters can face exorbitant legal expenses if they are sued for an accident in their rented home. Renters insurance covers the costs of legal representation in these situations. 

Reach Out To Us

You can get a quote on a renters insurance policy by contacting us at Wilcoxon Insurance Inc. Get in touch with us to get the insurance coverage you need for your rental unit in Sioux Falls, SD. 

Parking Lot Accidents

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Whoops, you did it! You dinged up someone’s car in a Sioux Falls, SD parking lot. Now what do you do? Run for it? Cameras are everywhere, so maybe that’s not a good idea. Leave a note? You don’t want to get sued for more than you owe. Leave cash? It can get stolen. Resist the urge to panic. 

Here’s what you have to do:

Own What You Did

No matter how minor the damage, leaving the scene counts as hit-and-run. You could be on a surveillance camera, so keep that in mind. You need to try and track down the vehicle’s owner. Go to the nearest business, where the owner is most likely to be, and ask someone at the service desk to page someone with a car matching the description of the one you damaged.

If the person doesn’t show, then it’s time to leave a note. Write down your name, phone number, and other info along with a brief explanation, and leave the note under the windshield wiper. Take down the license plate number and photograph the damage. If the damage was very severe, you might have to call the police and explain what happened. It’s better than having someone call the police on you.  

Working With Your Insurance Company 

Report the incident to your insurance company right away. If you have property damage liability coverage that will cover the cost of the damages. Will your insurance rates go up? That depends. Were you ticketed? Did the damage reach the company’s chargeable accident threshold? Have you made a habit of getting into vehicular scrapes? These can all make your rates go up considerably. 

Wilcoxon Insurance Inc. Is Here To Help

If you are in the Sioux Falls, SD area and are in need of auto insurance contact Wilcoxon Insurance Inc. We will get you the help you need. 

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

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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

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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.

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

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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

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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

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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.

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