Specialty Insurance

Specialty Insurance

Kurt Rolf Insurance Agency offers a variety of specialty insurance policies. Our experienced professionals will evaluate your needs and find the best policies at the right price. Contact us today for all of your specialty insurance needs.

  • Off-Road Vehicle Insurance

    Minnesota is known for the bountiful beauty found in our great outdoors. Whether you are looking to go off-roading in your dune buggy or hit the links in your golf cart, the last thing you want to worry about is insurance.

    At Kurt Rolf Insurance Agency, we can provide you with personalized coverage for your specialized vehicles. We can help protect your investment, allowing you to focus on having fun.

    Are all of your off-road toys covered?

    Contact us today to insure your:

    • ATV
    • Dirt Bike
    • Dune Buggy
    • Golf Cart
    • Snowmobile
    • Any other motorsport vehicle

    Despite popular belief, your specialized vehicles will not receive coverage under your standard auto or homeowners’ insurance policy, especially if you are using your specialized vehicles off of your property. All national, state, and public parks require specialty vehicles to be equipped with the proper insurance.

    While each specialty vehicle insurance policy is unique, the following coverage options are suggested for all specialty vehicles:

    • Collision Coverage
    • Property Damage Liability Coverage
    • Bodily Injury Liability Coverage
    • Comprehensive Physical Damage Coverage

    Allow the insurance professionals at Kurt Rolf Insurance Agency to make sure that you are covered before you hit the trail. Contact us today and find out how you can get the best price and value for your specialty vehicles.

  • RV Insurance

    Whether you are looking to insure your motorhome, travel trailer, camper, or horse trailer, the insurance experts at Kurt Rolf Insurance Agency can help you select the appropriate amount of coverage to meet your RV needs. With our RV insurance policies, you will not need to sacrifice value for an affordable insurance policy.

    Our RV insurance policies include the following coverage options:

    • Liability Coverage – Provides you with bodily injury coverage, property damage coverage, medical payments coverage, uninsured motorist coverage, and more.
    • Comprehensive and Collision Coverage – We allow you to choose how your coverage will be settled in the event of a covered total loss, including stated value, agreed value, and replacement cost.
    • Vacation Liability Coverage – Provides you with coverage once you park and live in your recreational vehicle.
    • Personal Effect Coverage – Provides coverage for any of your personal items that are damaged while you are traveling in your recreational vehicle.
    • Roadside Assistance – Provides you with assistance if your recreational vehicle becomes disabled.

    Bundle your RV insurance policy with your existing homeowners’ insurance policy at Kurt Rolf Insurance Agency to make your policy even more affordable to you. Through our affordable and reliable insurance products, you can rest assured that you are receiving guaranteed protection.

  • Earthquake Insurance

    Despite common household misconception, your homeowners’ insurance policy does not provide coverage for earthquake damage. Just because you live in an area that may be less susceptible to earthquakes does not exclude you from needing an earthquake insurance policy.

    Depending on your home’s particular needs, you may benefit from purchasing an earthquake endorsement to add onto your homeowners’ insurance policy.

    Without an earthquake insurance policy, you leave yourself, your home, and your family susceptible to danger and financial ruin. Allow the insurance experts at Kurt Rolf Insurance Agency to provide your home with the protection it deserves. We will personalize your earthquake insurance policy depending on your home’s unique needs and risk factor.

  • Flood Insurance

    Many homeowners mistakenly believe that flood damage is covered under their standard homeowners’ insurance policy. Without a flood insurance policy, you leave your home susceptible to the damages associated with hurricanes, tropical storms, heavy rains, and many other of Mother Nature’s surprises.

    There is no better time than now to purchase a flood insurance policy with Kurt Rolf Insurance Agency, since a flood insurance policy does not become active until after 30 days from the purchase date. Therefore, you must take the initiative to reduce your vulnerabilities now.

    Our flood insurance policies protect two types of insurable property: building and contents. These policies protect the actual building and the contents within the property, not the land they occupy.

    Building Coverage Includes:

    • The insured building and its foundation
    • The electrical and plumbing system
    • Central air conditioning equipment, furnaces, and water heaters
    • Refrigerators, cooking stoves, and other built-in appliances
    • Permanently installed carpeting over unfinished flooring

    Contents Coverage Includes:

    • Clothing, furniture, and electronic equipment
    • Curtains
    • Portable and window air conditioners
    • Portable microwaves and dishwashers
    • Carpeting that is not already included in property coverage
    • Clothing washers and dryers

    Once you choose to protect your biggest investment with an earthquake insurance policy with us, you receive guaranteed protection. Contact us today and allow one of our experienced agents to go over your coverage options and choose your method of reimbursement after a covered loss.

  • Classic Car Insurance

    Modern Insurance for Your Classic Car

    A collector car is not just a way to get around, it is an investment that will appreciate throughout the years.

    The Kurt Rolf Insurance Agency will work with you to determine the best method of insuring your classic car based on its usage. Whether you take your beautiful ride to classic car shows on the weekends or keep it in the garage the majority of the year, we can personalize an insurance package completely tailored to meet your unique needs.

    Classic Car Insurance Considerations Include:

    • Agreed Value
    • Discounted Rates for Part-Time Usage
    • The Various Coverage Options
    • Generous Mileage
    • Roadside Assistance

    Allow the insurance experts at Kurt Rolf Insurance Agency to provide your prized classic car with the protection it deserves. Contact us today and allow us to determine the best combination of coverage options, value, and price based on your antique car’s unique needs.

  • Boat & Watercraft Insurance

    We want your time on the water to be relaxing and worry free. With a boat insurance policy with Kurt Rolf Insurance Agency, you can find comprehensive coverage that protects you, your boating equipment, your loved ones, and your watercraft. Since the average boat costs less than a dollar a day to insure, our watercraft insurance policies allow you to enjoy being on the open water without a worry in the world.

    When personalizing your watercraft insurance policy, the following items will be considered:

    • Navigational Area
    • Agreed Value Coverage
    • Liability
    • Medical Payments Coverage
    • Physical Damage Coverage
    • Uninsured/Underinsured Watercraft Bodily Injury
    • Fuel Spill Liability and Wreckage Removal
    • Personal Effects Coverage
    • Unattached Equipment Coverage
    • Emergency Assistance

    The insurance needs of your most enjoyable ride are unique. Allow us to exceed your expectations and compile a unique insurance policy to tend to your boat’s most exclusive needs. Contact us today for affordable insurance coverage without sacrificing value.

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