Esurance Motorcycle Insurance Rolls into Minnesota

Some seriously cool things have come out of Minnesota. Were it not for the North Star State, the world would not have such essentials as the stapler, Wheaties®, and Scotch® tape (to name a few).

As an insurance company, we rely heavily on both the stapler and Scotch tape. And by way of saying thanks, now Minnesota residents can rely on Esurance for top-notch motorcycle insurance.

True, it may be a bit chilly to take your bike out for a spin right now. But our coverage options will have you ready to ride come springtime.

Motorcycle insurance in Minnesota

A motorcycle insurance policy from Esurance provides reliable coverage plus 24/7 expert customer service and  flexible payment options.  And it’s not just traditional motorcycles that we cover. Esurance motorcycle insurance also applies to:

  • Scooters
  • Mopeds
  • Street/sport bikes
  • High-performance bikes
  • Limited-production and custom bikes
  • Cruisers
  • Touring and sport-touring bikes
  • Vintage bikes
  • Motocross bikes
  • Off-road/dual-purpose bikes
  • All-terrain vehicles (ATVs)

Customizable coverage options

We don’t believe in a one-size-fits-all approach. So in order to make sure you’re getting the right insurance for your needs, we offer customizable coverage on every motorcycle policy.

For example, if you’re enjoying a cross-country ride, don’t let an accident or breakdown total your trip. With trip interruption coverage, we’ll provide a daily allowance of:

  • $100 for hotel
  • $50 for transportation
  • $50 for a nice, roadside diner meal

That’s a nice chunk of money to save your sanity until your bike’s fixed (up to $500 per incident).

And if you love enhancing your ride with custom features, you’ll probably want to protect them with our optional equipment coverage.

Optional equipment coverage can provide up to $30,000 worth of protection for most motorcycle models under 25 years old with resale values that are listed in the National Automobile Dealers Association appraisal guide. Not a bad idea if you’ve taken the time (and spent the cash) to customize your bike. Read more about Minnesota motorcycle insurance.

Get your motorcycle insurance quote today

If you’re not a proud Minnesotan, no problem — our motorcycle insurance is also available in Arizona, California, Florida, Illinois, Indiana, Ohio, Pennsylvania, Tennessee, Texas, and Wisconsin. And we’re adding more states all the time.

To learn more about our wide variety of coverages (as well as our awesome selection of discounts!) get your free quote today at esurance.com.

Want more on motorcycles? Check out:

Why I Ride: A Girl, a Dream, and 883 CCs

Motorcycle Safety Tips for Navigating Bad Weather

Motorcycle Hand Signals: A Quick History

4 Easy and Inexpensive Green Cleaning Solutions

Whether you consider it strangely relaxing, a borderline obsession, or dreadful (maybe in denial until minutes before company arrives?), cleaning is essential to the upkeep of your home. Plus, it makes your space look a whole lot bigger, brighter, and more beautiful!

Even if the end result’s pretty, the process can be unpleasant. Have you ever started choking on fumes or felt your skin burning while cleaning? Not so fun.

Swapping chemicals with the likes of lemon or baking soda, green cleaning uses natural ingredients to cut grease and leave surfaces sparkling throughout your home. Green polishes, cleaners, and degreasers not only make for safer scrubbing, but they also could be more effective than their chemical counterparts.

Consider whipping up these 4 no-fuss natural substitutes before your next clean sweep.

1. Glass cleaner

The go-to: Windex®

While it’s the common solution for cleaning your windows, Windex contains ammonium hydroxide (ammonia), a chemical that can irritate your eyes. Even worse, it can be harmful to your throat and lungs if you inhale it.

The green cleaning solution: vinegar and water

Cleaning your windows and glass surfaces with this mixture of natural ingredients will result in that same streak-free shine of Windex fame — without the ammonia!

Make it at home

Simply mix 1/4 cup of vinegar into 1 quart of warm water. Pour the mixture into a spray bottle, spray on windows and glass surfaces, and wipe glass clean with a piece of cloth or newspaper.

2. Wood polish

The go-to: Pledge®

Furniture polish typically contains hydrocarbons that, if accidentally ingested, may cause dizziness, labored breathing, stomachache, and other severe symptoms that could land you in the hospital.

The green cleaning solution: dish soap, lemon oil, and water

Reveal the glow of your wood furniture without using potentially poisonous polish. Instead, count on this chemical-free concoction to bring out the luster of your wood tables.

Make it at home

Combine 1 tablespoon of dish soap (bonus points for the all-natural variety), 15 drops of essential oil (lemon has that Pledge-y smell), and 2 cups of water into a spray bottle. Shake the ingredients well. Using a cloth, rub the polish in a circular motion on wood furniture to bring out its natural shine.

3. Tub scrub

The go-to: Comet®

The Environmental Working Group reports that Comet contains over 100 chemical ingredients in its powder formula. Among those not listed on the label are highly toxic formaldehyde and chloroform, which have both been linked to cancer.

The green cleaning solution: baking soda, vinegar, and liquid soap

Combine baking soda, vinegar, and soap to create a carcinogen-free scrub sure to cut through tough soap scum and grime.

Make it at home

Pour 1 2/3 cups of baking soda into a bowl. Then, mix in 1/2 cup of liquid soap, 1/2 cup of water, and 2 tablespoons of white vinegar. To sweeten the mixture’s scent, add a few drops of your favorite essential oil (like orange or patchouli). Store the solution in a spray bottle, and use it to clean your tub, shower, and bathroom tile.

4. Laminate and tile floor cleaner

The go-to: Pine-Sol®

Most of us are so familiar with Pine-Sol, we recognize it the second we walk into a freshly mopped room. But despite its popularity, Pine-Sol isn’t an ideal cleaning agent since it contains a chemical called 2-butoxyethanol. This chemical solvent commonly used in household cleaners is very potent and can irritate your eyes, nose, and throat if inhaled.

The green cleaning solution: alcohol, vinegar, water, and soap

While vinegar, water, and soap deliver a mean clean to your floor, the alcohol helps the solution dry quickly so it’ll have a perfectly streak-free shine.

Make it at home

Mix 1 cup of vinegar, 1 cup of water, and 1 cup of rubbing alcohol. Add 2 to 3 drops of dish soap. And again, you can add essential oils for aroma. Keep the mixture in a large spray bottle. Spray on laminate and tile floors to get that deep-down clean.

These 4 green cleaning solutions are just a few of many alternatives that keep your home spick-and-span without exposing yourself and your loved ones to harmful chemicals.

When all else fails, count on baking soda to clean just about anything. Check out these 10 amazing uses for baking soda, and get even more tips boosting your curb appeal and keeping your home dust-free.

5 Creative Uses for Leftover Wrapping Paper

’Tis the season of gift giving. But once those sweaters, video games, and stuffed animals are unwrapped, where does all that wrapping paper go?

We discard one billion trees’ worth of paper each year in the U.S. and half of that is thanks to gift wrapping. And that’s not all: Americans generate 25 percent more trash over the holiday season than during the rest of the year. But what’s the alternative?

5 ways to reuse gift wrap

Instead of tossing used paper into your roaring fire (which can cause flames to burn dangerously high), here are 5 simple ways to make use of your leftover wrapping paper at home — from functional fixes to DIY design projects.

1. Lining shelves and drawers

Whether your wrapping paper’s clean and uncut or crumpled from gift giving, you can use it to line dresser drawers or cabinet shelves. Just iron out any wrinkles in your used paper, measure the surface you’ll be lining, and use craft glue or spray adhesive to attach the paper. If you’d like a less-permanent solution, double-stick tape works well too.

2. Creative DIY projects

Instead of buying more scrapbook paper, why not repurpose some gold or patterned wrapping paper leftover from the holidays? Here are a few other crafty ideas:

  • Use holiday paper as a mat for a framed photo. All you have to do is cut the paper to fit your frame, pin or paste the photo onto it, and pop it back into the frame.
  • Make a festive bookmark! Just cut a section of cardboard from a box in your pantry and adhere the wrapping paper.
  • Cover cans with wrapping paper to make attractive catch-all containers for your desk.

3. Book covers

Leftover wrapping paper’s a great resource when it comes to protecting your kids’ textbooks from wear and tear, but you can also use it to beautify (and protect) books on your shelf at home. Whether your favorite hardcover has lost its dust jacket or you just want to give some pizzazz to the look of your books, holiday wrapping paper’s an easy way to warm up the appearance of lackluster or aging books at home.

4. Packing materials

Have a shredder handy? Shredded wrapping paper makes for excellent packing material for fragile items. It’s useful for shipping gifts, moving breakables, and even festively storing delicate ornaments after the holidays.

Just fold your paper to fit your shredder, feed it through, and you’ve got cheerful packing material! You can do the same with smaller scraps of leftover wrapping paper, but remember to keep your fingers far from the feeding mechanism.

5. Wrapping and decorating next year’s gifts

No one wraps gifts better than my mom. Part of her secret’s using every last scrap of paper, especially for awkwardly shaped gifts or particularly tiny presents. So if you’re left with thin, long pieces of paper at the end of a roll of wrapping paper or too-small pieces leftover from wrapping a large gift, save them for next year’s quirky little gifts. Or, break out that shredder to create confetti for gift bags.

Plus, you might even be able to make a small card from a piece of leftover paper — perfectly matched to an already-wrapped gift. It saves you from buying gift labels or, even worse, leaving gifts unlabeled altogether!

Winter home prep

Just because the gift-giving season is at an end doesn’t mean winter is too. Enjoy the rest of the season by winterizing your home.

Related links

Winterize your car

Learn what to do in case of a winter power outage

Beat the winter blues

4 Must-Read Tips for Fireplace Safety

There’s no time like the holidays for gathering around a cozy fire. The flickering light, the dancing flames, the … wait, why’s it so smoky in here?

A poorly maintained or improperly used fireplace can be dangerous. Here’s how to enjoy your fire safely.

4 tips for fireplace safety

1. Have your fireplace cleaned and inspected regularly

According to the National Fire Protection Association, 28 percent of heating fires are caused by failing to clean equipment, especially chimneys. Over time, creosote (a sticky, flammable substance that’s released when wood’s burned) can build up in the chimney. If the creosote isn’t removed, a chimney fire can result. This is not only dangerous in itself, but it can also cause damage to the chimney, increasing the risk that flames will reach the frame of the house.

Debris such as fallen leaves and animal nests should also be removed, since they can restrict airflow and cause carbon monoxide to back up into the house. (Besides, if your chimney’s blocked, how’ll Santa get in?)

If you have a wood-burning fireplace or stove, you should have the chimney professionally inspected at least once a year (before you use it). Ask for a Level 1 inspection, which involves a visual examination of readily accessible parts of the chimney. The inspector will ensure the chimney is sturdy and perform any necessary cleaning.

Have a gas fireplace instead of a wood-burning one? You should still get a regular inspection, as corrosive deposits can build up and prevent your fireplace from venting efficiently. Debris can block this type of chimney as well.

2. Burn only dry, seasoned wood

Properly seasoned firewood contains around 20 percent water. Freshly cut wood can contain up to 45 percent water, so it takes a lot of heat to get it to catch fire (which means less heat inside your house). Burning wet wood also creates large amounts of smoke and causes creosote to build up more rapidly.

To be properly seasoned, firewood must be cut to length and allowed to dry for at least 6 months (up to a year in damp climates) before being burned. If you’ve gathered a stockpile of wood, be sure to protect it from rain and snow. If you’re buying wood to burn, look for dark edges with visible cracks. Well-seasoned firewood’s fairly lightweight and makes a clear, sharp sound when clapped together.

Resist the temptation to toss wrapping paper, cardboard boxes, or foam containers into the fireplace. Paper and cardboard can cause flames to burn too high, while foam releases toxic smoke and particles into the air.

3. Make sure your damper’s properly adjusted

The fireplace damper is a plate or valve that controls airflow in your chimney. When the fireplace isn’t in use, keep the damper closed completely to prevent heat from escaping. When lighting the fire, open the damper wide to help create a good blaze and get smoke flowing up the chimney. Once the fire’s burning well, partially close the damper to keep in warmth while still allowing smoke to escape.

4. Install and regularly check carbon monoxide detectors

Burning wood creates carbon monoxide (a poisonous gas) — but this poses little danger if your chimney’s properly maintained and free from obstructions and if your damper’s letting smoke out. Nonetheless, it’s wise to install smoke and carbon monoxide detectors close to your fireplace as well as in your bedrooms.

Related links

How to Winterize Your Home

How to Inspect Your Roof

Power Outages and Food Spoilage: Can Homeowners Insurance Help?

Check Out What To Do Before, During, and After a Winter Power Outage

Preparing for Severe Storms: Dos and Don’ts

Heat Your Home for Less: Tips to Save on Your Energy Bill

 

Esurance Homeowners Insurance Arrives in Kentucky, the Bluegrass State

Kentucky is home to some pretty great things: the world’s most famous derby, Colonel Sanders of well-known fried chicken giant KFC, and some of the best-looking grass in the country. Most importantly, though, it’s home to more than 4 million wonderful Kentuckians.

And now, we’re going to add even more greatness — Esurance homeowners insurance! That’s right. We’re excited to announce our homeowners insurance is now available in Kentucky.

Let’s see what that means for those lucky Kentucky homeowners.

Homeowners insurance in Kentucky

Wide range of coverage options

At Esurance, we know that each home’s unique when it comes to homeowners insurance. That’s why we provide a vast number of customizable coverage options — so your home has a policy for your home, not someone else’s home. And, you won’t be paying for coverages your home doesn’t need, which could save you money.

Flexible payment schedule

It’s up to you! You can choose whether to pay for your 12-month policy term on a month-to-month basis, using your escrow account, or all up front.

Save with claim forgiveness

If you make it to the end of your policy term without filing a claim, you’ll get 5 percent off your next premium with the Claim-Free discount. And if an accident does happen, don’t worry, your premium won’t increase because of a one-time incident.

Bundling homeowners and car insurance

Since Esurance also offers car insurance in Kentucky, customers who bundle their policies can save with the Multi-Policy discount. In fact, bundling could save you up to 10 percent!

Esurance across the country

If you don’t live in the great state of Kentucky, we now offer homeowners insurance in 14 states, including Arizona, Colorado, Illinois, Indiana, Kansas, Michigan, Missouri, Nebraska, Ohio, Oklahoma, Oregon, Pennsylvania, and Wisconsin.

If you’re looking for motorcycle insurance, we can help there too. We’re pleased to offer great coverage for all kinds of bikes in the following 11 states: Arizona, California, Florida, Illinois, Indiana, Minnesota, Ohio, Pennsylvania, Tennessee, Texas, and Wisconsin.

And, of course, Esurance car insurance is now available to drivers in 43 states! See if we’re in your state.

Next year we’ll continue to roll out great insurance products in more and more states. So, if you’re on the market for smarter, more efficient insurance that makes your life simpler instead of more complicated, get a quote from Esurance. And hey, welcome to the modern world.