Insurance Blog
Fireworks and Your Home Insurance
Celebrating Safely Under Iowa's New Fireworks Laws As we prepare for summer celebrations, many of us are planning backyard gatherings complete with family barbecues and consumer fireworks. However, the legal and insurance landscapes surrounding fireworks in Iowa have...
Summer Toy Coverage: Protecting Your Jet Skis, Boats, and UTVs in Iowa
Are Your Summer Toys Fully Insured Before You Hit the Water or Trails? Summer in Western Iowa is prime time for outdoor adventure. Whether you are launching your boat or jet ski on Black Hawk Lake, heading up toward the Great Lakes, or tearing up the trail system on a...
Is Your Golf Cart Covered? Understanding Your Policy
Is Your Golf Cart Protected Once It Leaves Your Driveway? As golf carts become a preferred way to zip around Iowa’s residential communities, lakefronts, and small towns, a common insurance myth has followed them. Many owners believe their Homeowners Insurance...
The Sliding Scale for Roof Claims
Is Your New Roof Already Losing Value in a Claim? If you replaced your roof last year, you likely feel a sense of security. After all, a brand-new roof is your home’s first line of defense against Iowa’s unpredictable weather. However, a major shift has occurred in...
Home Insurance Deductibles Explained: AOP, Wind, and Hail
Are You Prepared for a Split Deductible? When you set up your homeowners insurance policy, you likely chose a deductible that fit your budget—perhaps $1,000 or $2,500. However, many Iowa homeowners are surprised to learn that they actually have multiple deductibles on...
Smart Home Insurance Discounts
Can Your Smart Home Devices Lower Your Insurance Premium? If you’ve recently added a video doorbell, a smart thermostat, or a water leak sensor to your home, you might be sitting on a "hidden" insurance discount. Many homeowners in Mapleton, Sioux City, and across...
Commercial Landlord Liability: The Biggest Risks for Multi-Unit Property Owners in Iowa (Beyond Fire) Why Commercial Landlord Liability Insurance is Essential for Your Iowa Property As a commercial property investor or multi-unit building owner in Iowa, you understand...
Safety on the Shoulder: Winter Driving, Roadside Workers, and Iowa’s Move Over Law
Understanding the Risks of Stopped Vehicles on Icy Iowa Roads When the snow flies and the temperatures drop, the simple act of driving in Iowa becomes significantly more challenging. While we all know to prepare for slick roads and reduced visibility, the dangers...
Iowa Workers’ Comp Exemptions: A Small Business Guide to Who Must Be Covered
Iowa Workers’ Comp Exemptions: A Small Business Guide to Who Must Be Covered Do I Need Workers' Compensation for My Small Business in Iowa? If you run a business in Iowa—whether it’s a construction crew in Sioux City, a retail store in Mapleton, or a consulting...
Medicare Supplement Plans in Iowa: Your Guide to Choosing the Right Medigap Policy
Decoding Medigap: Which Medicare Supplement Plan is Best for You? Turning 65 marks the start of Medicare, but many Iowans quickly realize Original Medicare (Part A and Part B) only covers about 80% of their doctor and hospital costs. That 20% gap, with no annual limit...
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