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10 Reasons Your Iowa Small Business Needs Insurance

Running a business comes with many risks. A lot of things that many of us don’t think about will come in and catch us completely off guard.

There could be a tornado that destroys some or all of your property, an employee can get hurt on the job, one of your clients can sue, etc.

Running a business comes with many risks. A lot of things that many of us don’t think about will come in and catch us completely off guard. [click to continue…]

 


 

 

How to Make Sure Your Iowa Swimming Pool Stays Safe

It’s summer, that means beautiful weather, brisk evenings, shaded afternoons, and your beautiful pool and/or pond.

Pools and ponds are so refreshing and can make time in the sun very relaxing for family and friends.

However, along with the amazing relaxation that they bring, they also bring their association with risk and liability.

No matter your pool type; above ground or in ground, no matter if it’s three or six feet deep, they all contain some level of risk and exposure to liability. [click to continue…]

 


 

 

The Best Contractors Insurance in Missouri

It’s very important to protect your business and your clients from risks on the job site.

If you don’t have enough of the right coverage, and something goes wrong, your business could be over before takeoff.

So much about insurance, really depends on the type of contracting business that you own, the services you offer, and how things and people need to be covered.
But, don’t worry about that for now. More to come a little later. Let’s get into the basics because that’s why we’re here isn’t it?

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Does My Home Insurance Cover Me When I Rent a Vacation House?

So, you’re planning your vacation and looking at the hundreds of accommodations to choose from. There are vacation rentals, hotels, bed & breakfasts, etc. One option that many are turning to due to the rise of companies like Airbnb, is vacation rentals.

There are a lot of benefits when booking a vacation rental as your vacation headquarters. There are also many factors that come into play when booking the type of vacation rental such as a house, condo, and/or apartment. One thing that everyone should consider is the significance of insurance when staying at a vacation rental.

Why? Well consider your personal belongings, potential incident resulting in an injury, and the property itself getting damaged during your stay.

Let’s say you have an existing policy that protects your home and/or your belongings; such as a renter’s insurance policy and/or a homeowner’s insurance policy.

These policies will likely include coverages that may provide protection while staying in your vacation rental. Those coverages are; personal property coverage and liability coverage. [click to continue…]

 


 

 

The Best Contractors Insurance in Iowa

So, you’re looking for some help insuring your Independent Contractor business?

That’s probably a good idea, because you never know what can happen on a job site.

If you don’t have enough of the right coverage when something goes wrong, your business could be over before it gets started.

Of course, a lot is going to depend on the type of contracting business you own, the services you offer, and how much stuff and people you need covered.

Don’t worry about that for now, we’ll get into that a little later, first let’s start with the basics.

No matter your business, services, number of employees, time zone, and/or hours of operation; no matter how big or how small your business is, the following coverages are essential when considering protecting your business: [click to continue…]

 


 

 

Everything You Need to Know About Home Insurance for First Time Home Buyers

Buying a first home is an exciting and emotional rollercoaster. Bidding against other buyers, some deals fall through, some homes don’t live up to expectations – it can take a toll the buyer. With all you have to think about, we do have one more thing to add to your list of things to check, and it’s a pretty important one.

Will your new home cost an arm-and-a-leg to insure it?

This is one of the things that most new home buyers don’t consider – they don’t think about the ramifications different features of their house will have on their insurance costs.

Here are a few parts of your future home that will increase your insurance bill:

Is the wiring updated?
Old, outdated wiring pose fire hazards and risks and will cost more to insure.

How old is the roof?
When buying an older home, ask how old the roof is. Has it been updated in the last 10 years? A 20 year old roof is considered “old” and will cost more to insure.

How up-to-date are the furnace and plumbing system?
The more up-to-date the furnace and plumbing are, the less it will cost to insure.

Where is the home located?
The home’s proximity to fire hydrants and a fire station play a part in insurance costs. If the home is located in the middle of nowhere, it’s more likely that the insurance will be higher because it’s far from easy access to water. The farther from water, the more at risk the home is to potential fire damage.

What’s do all new home buyers need to know?

Consider the cost of insurance when buying a new home or an older home.

A new home is going to cost $400-500 a year to insure, while an older home may cost around $700-1,000 per year to insure. If some of the things mentioned above, like a roof, plumbing and wiring, can be updated or replace prior to you completing the purchase and moving in, ask for it!

Updates can save you money on your home insurance for another 10-20 years.

 


 

 

What You Need to Know About Water Backup Damage

Imagine this:

 

You’re catching up on laundry on a late-Sunday-afternoon, watching your favorite Netflix series while you wait for your whites to finish, then suddenly you hear some noises from down in the basement that don’t’ sound familiar. You hurry down the stairs only to find water running all over the floor of your basement. What is this and how did it happen? More importantly, will you have to cover the damages?

 

To answer this question, first determine where the water is coming from. Is it water backup? Is this water stemming from a past home maintenance issue that you failed to fix?

What is water backup?

 

Water backup is an accumulation caused by a stop in water flow, when something has prevented the water from continuing down its path and it is forced to reverse direction and go back the other way. A collapsed drain pipe can cause a backup or a blockage can cause a backup; the blockage prevents the water from going forward, and the water has to reverse itself.

Are water backups covered in home insurance?

 

Most standard homeowners policies provide protection from water damage if the cause is sudden and accidental. For example, according to the Insurance Information Institute, you’ll likely be protected if your drywall is drenched after your water heater ruptures or an upstairs pipe bursts and water saturates the ceiling below. However, not all water damage is considered sudden or accidental.

What types of water damage isn’t covered by homeowners insurance?

 

  1. Damage from unresolved maintenance issues
  2. Replacing or repairing the source of the water damage. For example, insurance may help you repair the drywall or replace flooring, but it won’t replace the washer that overflowed and caused the flooding in the first-place.
  3. Water backup from an outside sewer or drain. It is possible to purchase additional sewer or water backup coverage to provide protection in case of such an event.
  4. Flood: No type of flood damage, no matter the source of the water, is covered by standard homeowners policies.

Do you need to purchase sewer or water backup damage coverage?

 

Whether or not you need to purchase this coverage mostly depends on the items that are in your basement. Do you have an unfurnished basement without much value? Do you store all your prized and inherited possessions in the basement? Your answer will determine whether or not you need to add water backup coverage to your insurance.

 


 

 

3 Insurance Resolutions for 2017

 

New Year’s resolutions are the opportunities we give ourselves to improve something in life or improve the way we live our lives– whether it’s exercising more, eating out less, spending less money or something simple like reading more books.

 

In 2017, why not test out a few of our insurance resolutions that can be better for your bank account and your peace of mind?

 

Here are 3 insurance resolutions to make for 2017:

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Top 10 Tips for Defensive Driving in Bad Weather

 

Driving your car can seem mundane — you get in it every day and drive it every place you go–it doesn’t seem like a special act or something to strike concern.

 

However, did you know that getting behind the wheel of a car may be the most dangerous thing you can do? In the United States, car accidents are one of the leading causes of death. [click to continue…]

 


 

 

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